Do I need life insurance? It won't happen to me, and if it did, would they pay anyway?

Do I need life insurance? It won't happen to me, and if it did, would they pay anyway? We all know the reality of life, but we don't ever want to think something bad will happen. Sadly, for some of us we will face bigger challenges that we won't have the ability to influence. This is where insurance comes in, to protect the things that matter most to us and preserve our freedom to enjoy the life we want for ourselves and our family.