text:  With more frequency than you know, I get calls and emails from people dealing with the recent loss of a spouse or a parent. You can hear the struggle and the heartache they've been experiencing. And at a time they should be grieving, what breaks my heart the most is the strain and tension they're going through because of money, especially when it's a situation that could have been avoided. If you have a family, it is your responsibility to have term life insurance.