You have to admit that you are worth something to your family. As a matter of fact, if you are bringing home much of the income, you are worth a great deal. You need to be thinking about this and think of it in terms of what would happen if you suddenly died and could thus no longer support your family.
They would be in quite a state of financial trouble if you died so what you need to do is get guaranteed acceptance term life insurance until you can get a more permanent policy for the long term. Term life insurance gets you coverage for a certain term of your life. This is the kind of policy you get while you are considering more stable life insurance in the future.
For now, you will get definite coverage if you go with the right agent and agency in your area. You just need to get online and find the right coverage for your age and your physical condition. In some cases, you will need to have a physical exam and in other cases you will not need one. It all depends on what policy is ideal for you. You will have to work that out with the insurance agent.
Make the most of what you have and get life insurance coverage now. You are never too young and you are only getting older. You need to face the fact that there are literally a million ways to die and you cannot protect yourself from everything. Ideally, both you and your spouse should get this kind of coverage to be sure your entire family is covered for the long term.
Now is the time to make a difference and get that life insurance policy that you need. With guaranteed acceptance, there is nothing to worry about.