A recent US survey found ~8 in 10 adults believe life insurance matters, yet only ~half say they currently carry a policy.
Cost is the top barrier: ~1 in 4 Americans without individual coverage call it too expensive, while many substantially overestimate typical monthly prices.
For healthy adults in their 30s or 40s, avg. rates for $500K, 20-yr term coverage run ~$15 to $28 per mo before individual factors.
Comparing 3–4 insurers can reveal savings; accurate health and lifestyle details improve quote accuracy.
Timing matters: waiting can raise costs if health changes, while buying before starting a family can simplify planning and lock in a permanent discount.
