Unfortunately you will hear suicidal individuals say the same thing.
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So that if you get hit by a car and die, your three kids won't have to worry about who's going to play the bills for the rest of their childhood (by this standard, most Americans who need insurance are probably actually underinsured, i.e. "worth more alive than dead")
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Yes most studies show huge under insurance gap and something like 45-50% of Americans only have life insurance through work. I always tell people “if you have dependents, get life insurance.” Lot of people need it and unfortunately don’t have trusted sources to buy as well.
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