How Many People Have No Life Insurance? 
According to LIMRA , 56 % of households in the United States had no individual life insurance in 2010 . According to survey results taken in Aug , 2013 , four in ten families said they would have trouble meeting their living expenses if a primary wage earner were to die . Yet , the vast majority of people surveyed overestimated how much life insurance costs , and therefore , felt they could not afford it . 