Is buying a life insurance policy on your list of important things to do? Well, it should be. Let me ask you a few questions here. Do you love your spouse? Do you love your kids? Do you love your parents? Are you a responsible person? Do you have any common sense? All right, enough already. You're probably thinking I'm a jerk about now am I right? Well, the truth hurts sometimes and if you answer "yes" to all these questions and don't have a life insurance policy, that I'd be forced to argue that point.

Just how important is life insurance to your loved ones? It's important enough that the expenses for your final arrangements will be passed on to all of these individuals, in that exact order, your spouse, your children, if they're of legal age, and then your parents, unless you have some type of insurance policy to take care of those final expenses. I know that this is true, not only because I'm a former life and health insurance agent, but also because I've experienced this personally. I have a great amount of respect and love for the individual that left their final expenses in the lap of my wife and I, and even though we ended up being repaid at a later time, it was certainly a shock to both of us then.

As the breadwinner of the household you should have enough life insurance to provide for your family until your youngest child graduates from college. This includes every bill that you currently have, every bill that you expect to have in the future and a reasonable amount tacked on top just in case anything else unexpected comes up. That's why they call it insurance, for those unexpected things.

At minimum your spouse or significant other should have burial coverage, and even more if they bring in any type of income into the household. Underage children should have burial insurance, unless you co-sign for a vehicle or something of that nature.

I highly recommend that as soon as you're finished reading this article that you hop on over to the nearest website and start getting life insurance quotes so you can take care of your family like a responsible individual is supposed to. Don't let your own negligence leave them with an unnecessary burden. Enough said.