Many folks have some form of life insurance. Some have it at work, but it covers not even 10 percent of the needs, some have more insurance, but it's not enough to cover what the family needs especially as they have matured, and some have no form of protection at all. A number of these are folks that work but left a job and now work at another job that does not offer life insurance at work. Contact me here to get a free booklet. Text me @740-654-2429