There is no denying the fact that when you pass away, this is not exactly a cheap business. I know! Even when we are gone, we still have to cough-up even more money - there is just never any escape. But the most important thing to consider here is the fact that you do not want to pass massive debts on to your loved ones.
Asides from the fact that this is completely irresponsible, grief is enough of an issue in itself and you do not want to compound the anguish the people close to you have to suffer over your passing.
Far too many people make provision for their finances in the event of their death: this is especially the case when someone dies earlier than might have been expected, or in an unexpected and tragic accident. This leaves loved ones in dire straits, forced to take out huge loans or to pursue equity release schemes when they would not have done so otherwise.
The two words 'life insurance' can send a wee bit of a shiver down your spine, but we do need to stop hoping that we might be able to beat those odds and live on forever. Many idiots have tried this in the past and every single one of them has failed.
Death is the only guarantee left in your life and some kind of life insurance policy is often a massive help to loved ones when that time comes. The earlier you start this policy, the smaller the premium you will have to pay, and it would be a damn sight better to leave this to your loved ones, rather than decades of crippling debt ahead for them to face.