We just absolutely adore this quote (it's from no less a man than Winston Churchill)
"If I had my way I would write the word 'Insure' upon every door of every cottage and upon the blotting book of every public man, because I am convinced that with sacrifices which are inconceivably small, families and estates can be protected against catastrophes which would otherwise smash them up forever. It is our duty to arrest the ghastly waste, not merely of human happiness, but of national health and strength, which follows when, through the death of the breadwinner, the frail boat in which the family are embarked, founders, and woman and children and estates are left to struggle in the dark waters of a friendless world."
Okay, we know that thinking about your death is never going to be particularly cheery - but not thinking about it won't stop it happening either.
The way we see it is, if you have people who depend on you financially, the chances are you love these people too (we don't count the Chancellor in that list). Therefore, if anything were to happen to you - hang on, what an irritating way of putting it. No, not if anything were to 'happen to you'. If you were to die (there, the d-word is out there) we're guessing you'd want these people taken care of.
That's what life assurance is there for. It won't stop you dying and it won't stop your loved ones from being distraught when you do - but it will stop them from being in a financial crisis at the same time.