When I was in my younger days, topics on insurance such as life, accident, educational, health, medical and all other plans sounds morbid to me. I shun the idea. I even hated friends who recommends and sends agents to me thinking that they are just after commissions. I didn’t realized the importance of preparing for the future when something happens and how hard it is for loved ones to be left displaced. It is good to refer to insurance companies offering life insurance lead who can help people with this need in particular and will be happy to assist.