I know what it takes to pay my rent, keep my phone on, and get to and from work. I know enough not to live beyond my means. I am not in debt. But even armed with this knowledge, I don't really make an effort to save and inevitably when my rent is due, I have enough to write the check and buy a pack of gum.
While recent legal action by states should lead to better business practices by insurance companies, we know that some death benefit payouts will fall through the cracks. Anyone who has invested time and money in a life insurance policy owes it to themselves and their beneficiaries to help ensure their death benefits are paid out on time.