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.
Where are our priorities?