Having recently had a serious health scare in the family, it brings into sharp focus the importance of . Thankfully, it wasn't necessary at this time, but if things had gone the other way, it was good to know we have a good policy to count on. No one likes to think about what might happen, but the time to get policies in order is during those times when things are good. It's too late once health issues strike, and you're left with bills, final expenses and the difficulty of living in the future without help.