A pregnant woman gets into a car accident and falls into a deep coma. Asleep for nearly six months, she wakes up and sees that she is no longer pregnant. Frantically, she asks the doctor about her baby. The doctor replies, "Ma'am, you had twins! A boy and a girl. The babies are fine. Your brother came in and named them." The woman thinks to herself, "Oh no, not my brother -- he's an idiot!" Expecting the worst, she asks the doctor, "Well, what's the girl's name?" "Denise," the doctor says. The new mother thinks, "Wow, that's not a bad name! Guess I was wrong about my brother. I like Denise!" Then she asks the doctor, "What's the boy's name?" The doctor replies, DeNephew. Is it important? Life Insurance? Out of all kinds of insurances, the most important and, ironically, the least taken into consideration is life insurance. Life insurance guarantees security and peace of mind to have an assured amount of money in case of a misfortune that can result in disability that leave you unable to work and provide for your family, or even death. What can happen if we don’t hire a life insurance? If an unfortunate event occurs, we will regret not thinking ahead. Purchasing a lifeinsurance is the best way to prevent this, especially if your family depends solemnly on your income. It is guaranteed that your family will be protected in any case. Lifeinsurance will be there, taking care of them and helping them get through such a difficult phase. Thus, you won’t have to worry about what you’re leaving behind. For example, in case of a bank loan request. You might be worried that you won’t be able to return the money you previously borrowed because of this accident that you suffered, but lifeinsurance’s got you covered; the capital is covered by the compensation of the accident. So, no member of your family will have to take care of these things. So, why is it so neglected? It is generally accepted that the reason behind this is the fact that it doesn’t provide its costumers with direct and immediate benefits. For example, products such as private pension plans are not so popular among people, while other financial products that offer immediate profitability are generally preferred more. How much does life insurance cost? Ask yourself the question in reverse: how much can cost you in the future, not having lifeinsurance? Trying to save enough money in a piggy bank can be impossible, alsdo because you might always get tempted to spend those money on something else, for a purpose that was not originally planned. Above we gave many examples of why life insurance is important and useful, of how much of security, availability, and peace of mind life insurance provides, especially for your family, when, because of a unwanted surprise, cannot deposit money. That’s why each one of us should focus more on the long-term financial perspective, and lifeinsurance is the product that, in this sense, suits our needs and of those around us, the best.