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A greater percentage of parents would be willing to adjust their budget to afford cable TV (76 percent), a family vacation (69 percent), or a cell phone and service for each family member (62 percent), compared to life insurance.
Thirty percent of U.S. households have no life insurance at all; only 44 percent have individual life insurance.www.statefarm.com
Forty-four percent of Americans believe that “life insurance benefits are only accessible when an insured family member passes away.” However, many policies offer benefits while a policyholder is still alive. These “living benefits” can be accessed for qualified college, retirement and emergency expenses (this may reduce the death benefit and cash value).