1. One-third of U.S. households have no life insurance at all. Fewer than half of Americas households hold individual life insurance policies. People tend to put off the decision to purchase life insurance. They might argue that they cannot afford it or they are not willing to sacrifice other types of spending so that they can afford to pay for life insurance. Discuss whether you need life insurance now and/or in the future, why and why not? What questions do you need to ask yourself and life insurance agent when you purchase life insurance? What are the most important feature you are looking for when buying life insurance?