We all have plans for our families and future. We look forward to watching our children graduate from college; we look forward to seeing them become self-sufficient adults; and we look forward to growing old and enjoying our golden years with our spouse. Of course, it takes a lifetime of earnings to make these dreams come true. Unfortunately, an untimely illness or premature death could shatter all of these dreams. In the event the worst were to happen, adequate life insurance could provide resources when needed most.