life insured

The husband has once asked me about us getting this insurance  while we are still young and life insurance rates for such are still affordable and all. But the thing is, we haven't found a good one that can offer us with a broad coverage or something just like what my parents has. Unfortunately, the agent that has been taking care of my parent's is nowhere to be found and when he does appear, we are the ones who are not available for meet up and talks. Oh well, the year is about to end and we still haven't accomplish this plan. Hopefully by next year, we'll have this insurance thing settled. How about you, do you have a life insurance?