Counting on life

I wonder how many people really have good life insurance coverage? It's one of those things that everyone says that one should have, but actually very few people sign up. I chanced upon an advertisement for a plan for life insurance no medical exam, and wondered how they would come through when times get tough. It's definitely a harsh business to be in, but it's also one of the most competitive as well. I don't have life insurance coverage myself as yet, but it will probably be a good idea some time in the future, I'm sure.