Life insurance is the broccoli of financial planning. It is deemed necessary. Therefore, they acquire it but hardly take the time to use it effectively. Some people do not pay any attention to it as if it can be treated later on, while others believe they do not need it. However, the cost of not having life insurance is not only financial. It is a cost that the dependents can afford at the worst of times. In this article, the reader will discover the true cost of not having coverage.