Ok so a little over a year ago I quit my job to become a home daycare provider because I had a new baby and 2 older kids and it wouldnt pay me to work while school was out!! long story short i lost our life insurance in that process...due to a circumstance with a friend of ours losing his wife to cancer at the young age of 32 with a 9 yr old and 3 yr old little boys it has hit home that i need to have a plan if something happens to one of us...my husband is our sole provider for the most part i need to protect us if God forbid he call him home sooner than we would wish for or vice versa...a friend of mine sells life insurance with woodmen of the world but i dunno i dont feel thats the right insurance for us something just seems "too good to be true" who do you have life insurance with? We are a family of 5 non smoking family. we are very much living paycheck to paycheck so i dont even know if we can afford this but i know its my job as a parent and spouse to have this in place. Thanks for your advice!