As I write this post, my heart is heavy.  Two times in the past few weeks the brutal reality of not having life insurance has touched people or families of people that I know.

In large part, those of us in the industry have become very reticent, it seems, to ever bring up life insurance with family, friends, or consumers.  The reason being?  Not wanting to see that look on people's faces that says.."Ohhhh great, here we go with the ole' life insurance pitch!"