Is Life Insurance Really Worth It? 
If you make one life insurance payment , then die suddenly , your beneficiary will receive the entire face amount of your policy . If your policy was graded -LRB- as can happen if you purchase a policy while very ill -RRB- and you died suddenly , your beneficiary will still receive all you paid in , plus some extra . If you survive the graded period , or die accidentally , they will again , receive the full death benefit . It is impossible for most people to save up hundreds of thousands of dollars at the time they need it most - while income is relatively low , there are small children to raise , and you are getting on your feet . Life insurance is an incredible value and definitely worth it to someone in those shoes . 