Why do I need Life Insurance?

It is the only insurance you are guaranteed to use.    Imagine your spouse/parents/partners/children receiving an envelope when you die.  Does the envelope contain the life insurance death benefit that is going to help them get through the entire process of dealing with your death and all of the financial responsibilities you created?   Or instead, without life insurance,  is the envelope empty?   Where do they begin?  Life Insurance will provide them with the primary financial tool to begin to try and  maintain their lifestyles.