I do not remember how some people have connected life insurance with unpleasant situation or negative perfective for a family, except for the cost I think. It was a little bit surprised for me knowing some people still think insurance in a bad way, even I have to admit some insurance salesperson really annoyed me till I almost called police to kick them out but still the product, life insurance bear no sin, it is really important.
From all insurance I think life insurance is the most important coverage you must have. It is not a folk that medical expenses have raised every year, more and more people find it difficult to handle the medical cost without insurance any more.
Without any life insurance on your hand you cannot imagine what will happen to you when suddenly one of your family need a high medical cost and you cannot afford to make it. The fact no one want that situation but future are a fragile thing.
I think it is wise to spare a little part of your salary to cover your family, to put them and you at ease if something come up. Life insurance is not always expensive, you can find some cheap or affordable life insurance by searching life insurance rates on your free time.