41% of U.S. adults do not have life insurance coverage. (National Underwriter)
Well Gem that sounds like a bad place for you guys, you need to sit down with a financial coach in my professional recommendation, I understand you do not want to see the numbers, but if you guys ever wanted to improve your situation you will have to do wants not comfortable, but life insurance is the foundation of your financial house, you would not want to build an house without a soild foundation would you?