When I was younger and basically a newbie in the workforce, I would usually avoid agents who offer term life insurance quotes thinking that I was way too young to get offered. Until one day, I was explained the benefits of having a life insurance. I then, realized that an insurance shouldn't be taken as a burden to our pockets. It should be viewed as a sort of means to secure not only your future but that of your loved ones as well preventing them from suffering a financial loss in the event of an untimely death. Life is never permanent and anything may happen. For instances like death, terminal, critical illnesses and permanent disabilities, the benefits endowed are truly life savers.