 We're very caught up in buying our SUVs and our plasma TV screens that provide immediate satisfaction rather than thinking about the things that will provide our family with security in the event of our untimely death. 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.