text:  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. It is one of the things you do to show you care. And yes, this is an ad for Zander Insurance.