Thank you for making me clarity that somewhat. Surprisingly enough, there are many young adults married with children in their twenties and thirties that have no life insurance beyond what is offered by an employer which is not much. Usually they will try to pick up medical insurance if offered through work, but additional life insurance for many is another monthly deduction they cannot afford. Those that work for very small businesses especially, depending upon the state, are offered no benefits beyond maybe a week's vacation every year. Some don't even get that. I personally know many young people that are uninsured and when I was young I did not have any either. I was single and in college so didn't see the need. If a family does pick up life insurance, often the wife is not covered if she stays at home as a working mom. They just do not see it as necessary given their age. They are playing the odds and at that age, the odds are in their favor.

Many people do not even consider the possibility of death until in their forties. That is why the ACA had to rope in younger people to keep the damn thing afloat - there were not enough of them with insurance to pay for it so they had to be forced to carry it. Life insurance is the same. It is a racket. Unless you have a separate policy that you own, as soon as a person leaves a job, they usually don't take the insurance with them because of the cost. That is all money in the insurance company pocket. The same thing happens with young people taking out separate policies - especially term policies. The companies are banking on the fact that somewhere along the way, a younger person is going to hit a rough patch and default on the policy. Once again, money in their pockets. You would be surprised at the number of policies that are walked away from.