A quick look at most American households today will reveal that most have not looked at buying life insurance. In fact, many families do not have adequate savings put away. More than  35 million households in America today do not have any employee-sponsored plans or even their own life insurance policy. In a study Trends in Life Insurance Ownership taken by leading insurance research firm LIMRA, it was discovered that only 44 percent of U.S. households had gotten an individual life insurance policy.

Due to the economic recession, more and more families today face financial stress from a loss of income and other factors. Hence the stability that can be achieved by buying life insurance has gained attention and significance. In fact 30 percent of all households lack a life insurance policy with as many as 11 million households having children under the age of 18 and no policy in place.

In fact, as many as 25 percent of Americans polled admitted that they were at a loss as to how they would achieve their financial goals. One of their biggest barriers to entry actually was adequate information. 80 percent of households in fact had never known a life insurance agent or broker. One positive fact revealed from the study was that some younger generations are interested in learning more about life insurance at work and online. It is useful today to go online to learn about different life insurance providers and various policies and associated coverage.