You look into the future. You picture yourselves as a couple who has worked together, accumulated your assets together, and combined your incomes to create your lifestyle for your “golden years.” It’s been a productive life and you live within your means. It appears you are beyond the “years of struggling.” Then one of you is gone from the picture. You don’t have much life insurance coverage because you believed the media pundits and the advice of friends who told you that “…at your age you don’t need life insurance. Your kids are grown and self-sufficient.” This may be one of life’s numerous fables that we believe along the way that can create unfortunate consequences.