Millions of families are living without protection or don't have enough. One-third of U.S. adults have no life insurance coverage.

Fewer than half of Americans have spoken to an insurance agent or broker about preparing for life risks.

A new study finds the middle market has an income protection shortfall of $6.5 trillion.

"...most people tend to underestimate their life expectancy, save less than they should and fail to factor in how much money they'll need in retirement."

"...68 million adult Americans have no life insurance, 68 million!"

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