How Many People Have Life Insurance? 
There are many life insurance industry statistics that can help answer this question . But sometimes the life insurance industry is too close to the data to create objectivity . One of the large consumer watch dog services is J.D. Power & Associates . Here are a couple of observations from last years publication . Life insurance ownership has steadily declined over the last 20 years . Those who have life insurance are woefully under insured . 40 % of adult in the U.S. have no life insurance . Over 50 million Americans , who have insurance , have inadequate coverage . 