And I told her that she really should get life insurance. If not for her husband than for her children. So many sad things can happen which may even lead to desperate situation.

If you are not prepared to handle those situations you can end up dead in the water because you don’t have the means to handle the situation. Especially if you are not of full age those problems can hit you hard. And it’s so easy to collect and compare life insurance quotes online that ther is in fact no real reason why anyone shouldn’t at least consider this possibility.