Life insurance is critical for the protection of one’s family in case of an untimely passing. Concerns may arise regarding the ability to pay for the premiums. After looking at a host of quotes, it might become apparent that the premiums are less costly than one might initially assume. In fact, making a few, simple budgetary changes might be all that is required to be able to easily make the necessary premium payments. Those who assume they cannot afford coverage likely have not really thought about the unnecessary expenses they can cut from a budget. Once they do eliminate a host of such items, they will discover they really can afford a life insurance policy.