You probably spend a lot of time worrying about your family; am I right? You worry about their safety—at home and in their vehicles. You worry about your children's nutritional intake, health, future or present college expenses, and a myriad of other things. But, if you're not spending even a fragment of that time worrying about how your family would be impacted by your untimely death—no matter how uncomfortable it is—you are doing them a disservice.
Most people don't like to think about their death; it's unpleasant, but sweeping it under the rug will only hurt your left-behind loved ones if the worst happens. Unfortunately, this is the reality of many Americans today.