I didn’t realize how important life insurance is in the US until I saw an episode of Oprah on taking care of one’s finances.  On that episode her guest specialist scolded a couple for the wife has no job, the kids doesn’t have health insurance and the dad doesn’t have a life insurance.  You might say so what if they don’t have an insurance?  I guess the guest was a bit concerned about waht will happen to the kids if something happens for the couple has a very large debt.  Like what if the dad died.  Who will take care of his family when he’s gone?  I don’t know how a person qualifies for a life insurance there but in the Philippines, you will have to go through an extensive health examination before you get a policy.  If things are the same in the US then I wonder how Oprah’s guest will react on a no exam life insurance?  I guess she will be handing out pamphlets and forms to everyone she meets and make them get a policy from a company who offers it just to make sure everybody is insured.   Thinking about the discussion that I listened to in that episode, it made me think to get a policy now.  You know just to make sure that everything will be in place if ever something happens.