Is Life Insurance Really Worth It? 
Life insurance can pay hundreds of thousands of dollars of benefits to the beneficiary after the policyholder has paid in premiums for only a few years , months , or even days . There is no way for most people to save up that amount of protection by the time it might possibly be needed . If death occurs unusually early or unexpectedly , life insurance is definitely worth it . If not , some people still feel it was worth the peace of mind . And if you have permanent life insurance , you eventually get back all you paid in plus some extra in the form of cash value . 