Believe it or not, there are people that believe that getting life insurance somehow starts the chain reaction to their demise. Once upon a time, it was taboo, unthinkable, and down right evil to ever think about life insurance for children. That, was reserved for the rich and morally bankrupt.
If this is you, I challenge you to consider this. I’ve never heard of anyone getting sick or dying because they prepared themselves for the inevitable. But you can bet the farm that dealing with hardships (which are inevitable) lead to all kinds of stress related issues like strokes, heart attacks, high blood pressure, and even divorce. And there are loads of studies to prove it.
So get yourself a safety net and bypass the stress, worry, and financial strain caused by procrastination.