The percentage of life insurance coverage in U.S. families is at its lowest in last fifty years. According to industry experts there are millions of households who are living without this safety net. As per the recent report published by LIMRA, there are only 44% of the families who hold an individual life insurance policy while 30% do not have employer offered or individual life insurance coverage. There are about 11 million homes with children below the age of 18 who live without any life insurance. They are considered as households with the maximum requirement for life insurance exposure.