Do you want your children's future left to the whims of a GoFundMe page?

As a human being, I'm saddened when I read of a tragic death, especially when the deceased was young. Today a friend posted on Facebook about the death of a young woman, age 28, who was in a car crash. She left behind two young children. The post directed readers to a gofundme page, requesting donations.

As a life insurance agent, I cringe and sigh when I see this sort of thing. If this woman was reasonably healthy and a non-smoker, she could have left behind $100,000 for her funeral and for her children for less than NINE dollars a month. She could have provided them with $500,000 -- half a million bucks -- for less than $18 a month. These rates would have remained steady for 20 years, providing protection into her children's young adult years.

Life insurance is relatively cheap, especially for younger people. Certainly cheaper than a cell phone or cable TV, both of which are luxuries, not necessities. In her case, life insurance would have been cheaper than one trip to McDonald's.
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Where are our priorities?