Yeah, it's a little morbid to talk about, but life insurance is worth a chat. You pay your mortgage every month, your day care expenses for the kiddos, and try and sock some back for your family's future. Life insurance can make sure all of those things are still taken care of, even if you check in to the Sweet By and By a little early. You may have grand plans financially, and life insurance can guarantee they'll all come true no matter what....maybe just don't tell your wife how much you are worth dead.