Death isn't something we like to think about, but preparing for life's only real certainty will make the lives of the loved-ones we leave behind easier.
A survey carried out by MoneySuperMarket revealed that up to 60% of UK adults do not have any form of life insurance, with many believing it's expensive and that insurers don't honour claims.
The reality, however, is very different - with 97.7% of all claims being paid out and the average monthly life insurance premium just £21.75*.
Many of us lead busy and stressful lifestyles, so we tend to spend any spare cash on little luxuries to reward ourselves, rather than on things such as life insurance.
You don't necessarily need to give up the treats. There are a number of small changes you can make that will enable you to continue to enjoy life while preparing for the inevitable and ensuring your family's financial security is taken care of.
This infographic explains how:
*(based on MoneySuperMarket sales data from January to June 2016)