Parents with young children have to take certain steps to make sure their kids will be looked after should the worst happen.
Taking out life insurance is one way for mums and dads to help make sure their dependents will be looked after financially.
However, research by Barclay's highlights how many people are failing to give this issue the consideration it deserves.
They have discovered that nearly two-thirds of UK adults do not have a policy in place.
Some 42 per cent without life insurance blamed household expenditure pressures, while 27 per cent said it was because they separated from their partner.
Kieran Murphy, Managing Director of Barclays Insurance, said: "People have a natural [reluctance to think about] the financial security of their dependents should they unexpectedly not be here tomorrow. It's really important people consider how their dependents would cope financially."
He added people do not have to break the bank in order to get a comprehensive life insurance policy.