Not everyone is blessed with enough money to do all the things in life that "should" be done. In fact, almost 80 percent of Americans say they live paycheck to paycheck. Of course, this is all relative as living paycheck to paycheck on $100,000 a year is a far cry from trying to live on $20,000 a year, and when you factor in the location and family size, the lines become even more blurred.

But when working adults between the ages of 32 and 61 years old have only $5,000 saved for retirement as the median and over 12 percent of Americans live in poverty, it's a fair assumption many people are living without a lot of things they would rather be able to afford.

Life insurance is one of those things. Almost 40 percent of Americans do not have life insurance, and the reason they cite is indeed because they feel they can't afford it. Everyone knows life is fleeting and things can change in a nanosecond. What happens when someone dies without life insurance? How does it affect those left behind?

Your Family Struggles To Pay For Your Funeral

As American statesman Benjamin Franklin once quoted from Christopher Bullock, "in this world nothing can be said to be certain, except death and taxes." Everyone is going to die, it's just a matter of when, and dying isn't cheap. The average funeral and burial costs $7,181 in the United States. Cremation only knocks about $1,000 off the bill. This doesn't include any festivities, either, such as a wake or other social gathering, an important part of religious custom, tradition, and the grieving process for many.

Anyone who has ever lost a loved one knows how difficult it is. The last thing you want to do is compound your family's pain by adding financial stress to the equation. While some may not be able to afford a life insurance policy worth $100,000 or more, most can find a way to at least purchase a $10,000 final expense life insurance policy to ease their family's strain.

Your Spouse And Children Struggle Even More

If you have dependent children, your sudden death could spell financial disaster for the family. How will your wife support them? Even if she was already in the job market at the time of your death, her income alone isn't going to pay the bills. How will your husband afford childcare? Dying with no life insurance will leave the family scrambling trying to find a way to survive, all while also trying to go through a very difficult mourning process. This can be overwhelming for even the strongest.

It may feel like you can't afford life insurance, but can you really afford not to? For both your peace of mind and your family, schedule an appointment with a company, like USAlliance, today. They offer many products for all stages of life and financial situations and will be able to find the right one for you.