Life Insurance

Can you imagine living in this world without life insurance? For people back in the Philippines, a lot of them don't have life insurance including my parents. Why? Simply because they cannot afford to buy it so when something unexpected happen, death of a family member for example, those that are left behind are being burdened with big expenses. Who is to be blame for that? They should think how important life insurance is but the problem is they just don't have the resources to pay for it.