If you don’t have a life insurance policy, and you have people who depend on you, you should look into getting at least a term life insurance policy. It is easy to get an affordable life insurance policy. Term life insurance is a policy that usually lasts for 20 years and you pay a premium each year. Your beneficiaries will receive the full benefit of the policy if you die within that 20 year period. Most policies can also be renewed after the initial period. It is reassuring knowing that my children will be cared for if anything happens to myself or my husband.