My husband has excellent health, disability and dental insurance through his work. We have all three of them for our family now when really makes me feel more secure for our family's health and well being. My husband and I are now looking for some good term life insurance. We are still young, but accidents do happen as well as diseases. Nobody plans to get sick while they are young. I lost my mom as a teenager though, and I do not know how our family would have gotten through that time without the money from an insurance policy.