Most people believe the current economic climate has made life insurance more relevant, but a majority have not calculated their need and many avoid discussing the topic at home, according to a survey by ING.

The majority of respondents, 78%, view life insurance as a valuable financial tool, but, despite historically low rates, ING says more than half of the uninsured cite cost as a factor. Employed respondents without access to life insurance as a workplace benefit were seven times more likely to have no coverage at all.

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