Life insurance isn't what many people want, it's what almost every family needs. Life insurance protects families from the financial burdens that may be caused by an unexpected death. While nobody wants to think or talk about dying, anybody that has loved ones should plan for the their financial future.

As a life insurance agent, I ran into many prospects that wanted to avoid life insurance. Even though I knew that they hated the though of it, or the though of dying, I still tried to find a way to enter it into the conversation. Some people thought that talking about death was bad luck. For some, avoiding the topic just was a matter of comfort.

So why did I press on the topic of life insurance? If the family didn't have any financial protection, how would it effect the loved ones left behind? This question doesn't have an impact unless you internalized it. If you had a love one and all of a sudden, they were in an unfortunate life-taking accident, what emotional impact would that have? What would that do to your financial situation?

I've seen a bunch of articles and heard from friends that life insurance agents are just trying to get the big commission. They try to sell so hard so that they could get the benefit. I also read an article that says that these agents use emotions to sell insurance. It was put in a way that life insurance try to take advantage of peoples emotions to close the deal.

Nothing could be farther from the truth. I'm not speaking for every agent. However, don't you think that emotions can effect your financial decisions? Of course! When a loved one is suddenly removed from the picture, how does that effect your ability to work? How many days do you need to recover? How does that impact your role in your family and in your work place?

I've also read articles that families don't need life insurance because they'll have enough money by the time that their loved one will most likely die. This is assuming that the family will have sufficient funds to pay for any expenses related to death.

From my point of view, I see life insurance as a wealth optimizing tool. If you think about the monthly cost of life insurance compared to the death benefit, in many cases, the death benefit will be a lot more than what is paid into the policy. So in many cases, the client would be just paying pennies for the dollars they'll be receiving in the future. There is no guarantee that this will always be the case. If the client starts the policy too late in life, or if they live too long, the life insurance could be profiting from the deal. However, if this isn't the case, don't you think that your family would tremendouly benefit from having a large sum of money at hand?

There are a lot of variablesmost of which are controlled by how you feel and your health. So next time you ask for a life insurance quote, don't just think about getting the cheapest quote. Consider the needs of your particular situation and determine if the life insurance you have will meet it.