I know how it feels when a family member was admitted to a hospital and we don’t have health insurance to cover the cost of hospital and medical expenses. Like health insurance, life insurance is important in protecting the financial well-being of your family and loved ones in the event that the family bread winner dies. It pays a lump sum to your beneficiaries or to your estate. If you would like to compare life insurance quotes then looking online may be your best option. You can look at term life insurance policies and see which one best suits your needs.