Many people neglect getting their life insurance plan in order. The reasons for the procrastination vary and can include thoughts about not needing insurance at this time, fear about not qualifying due to prior health issues, and of course, the cost.

While the industry will disagree, the truth is that there are times in your life when you probably do not need life insurance, but these are few, relative to the times when it is important for the financial well being of your family.