Do you have it?

I am so glad we have life insurance, though I would hope not to need it any time soon. I know that some people don't have it, but I think anyone who provides income to a family should have some, I think the common agreement is to have ten times your annual income in life insurance. And if you own a home it can be a good idea to have mortgage life insurance. I think we also have insurance on our car that pays it off if Hubby dies. Of course I'd rather make payments forever than have him die, but it's nice to be taken care of if something does happen.