 Life insurance protects families. If something happens to the breadwinner, who's going to pay the mortgage? Who's going to send the kids to college? Who's going to buy the clothes, put food on the table? The consequences can be devastating if you don't have life insurance. With life insurance costs at their lowest point ever, insurance experts say it's affordable for virtually everyone. Just like a house needs a solid foundation, your financial plan cannot go without a solid foundation. Life insurance isn't a luxury, it's a necessity.