Life planning isn't all about insurance, but it is about making sure that your family is taken care of when they need to be.  While life insurance can be a key component of this, depending on your family needs, it may mean something else entirely.  Some families do need permanent life insurance.  This can be particularly true of families with special needs.  Some families need term life insurance and others don't need life insurance at all.  It isn't a matter of selling insurance, it is a matter of finding out what your needs are and how best to meet them.