The moment is . . .

The day in the life of a child – the day 9-year-old Lynne Hughes lost her mother. Now as an adult and a mother herself, Lynne knows that while she can't replace a parent's love, she can financially protect her children with life insurance – should the unthinkable happen again.

The moment is . . .

The worst day of Shannon Starzyk's life. The day her husband Paul, a police officer, was killed in the line of duty. But because of his personal motto, "Be not afraid," they were not afraid as a family to face this possibility, and prepare for the future— even one without him – with life insurance.

The moment is . . .

when the mother of your children succumbs to the disease of alcoholism, dying having let her life insurance policy lapse. For Bill McLeod, the stress of tending to his ex-wife's financial affairs only added to the years' of grief leading to her death. He survived the ordeal, but warns other to get their "house in order."

The moment is . . .

the time Vania Aguirre can never get back. Just prior to her parent's death in a car accident, they knew they needed to get life insurance to protect Vania and her 3 siblings; but despite the best intentions, never acted on their intentions. As Vania sees it, life insurance is a way of "letting your family know, 'I love you.'"

The moment is . . .

when you lose both your parents, and you're wondering where to turn. Fortunately for Aaron Shepard, his father – an insurance salesman – had prepared for his inevitable passing with life insurance. So while the personal and emotional loss were overwhelming, the financial aftermath wasn't.