But not all of us can afford to buy one. It’s the term life insurance I’m talking about. My husband and I are talking about getting one for our little family once we become financially settle again.Maybe we will get the cheapest one first, like the basic among the basic, then we will take it from there.  As of now, althought it’s not on top of the list but sure is one of our priority. No one knows what future might hold for us and we want to make sure that the boys are taking care of.