text:  At the end of the day, I've never come across one person where a life insurance policy has been paid out and the surviving spouse says, gosh, I wish they had less life insurance. So think about that. And people really don't like life insurance because they're really thinking about their mortality at that point. But I'll tell you what, when you do it the right way, it can be one of the best tools in your tool belt for legacy planning. If you have a question, will my loved ones be okay if something happens to me?