Your response: Expenses like rent, car payments, day care or student loans can make it hard to prioritize purchasing a life insurance policy when money is tight. But life insurance is often not as expensive as you might think, and you may be able to get a basic policy for less than the cost of your daily coffee.

Your response: Life insurance policies offered through your employer are usually one or two times your salary, but many experts recommend having ten times your annual income to help cover your loved ones’ expenses. And if you leave the job, employer-offered life insurance typically doesn’t move with you.

Your response: Even with a healthy lifestyle, none of us are invincible. Plus, there is no better time to get a policy than when you’re at your strongest and healthiest. A serious illness or injury make it tougher to get an affordable policy, if any at all.

Your response: Children are a big reason why some people get life insurance, but it’s not the only one. If there is anyone in your life who would suffer financially from your loss — your spouse, sibling or parents, for instance — a life insurance policy goes a long way in making sure your loved ones are protected.

Your response: You might want to explore a simplified issue policy. The premiums are based on an abbreviated questionnaire about your medical history — no exam or labs are required.