Most people do not carry enough life insurance. For some people, it's because they don't want to think about death. However, it's my opinion that a majority of people just can't afford to pay for life insurance. It is worth getting a term life insurance quote though. Maybe you can afford a couple dollars each month so that your family can be cared for after you are gone. Yes, it's a scary thing to think about but it's even scarier to think about your family living on the streets because they couldn't afford the rent or mortgage payment.