I have a cousin who lives with her husband and two sons in Tokyo. Back in 2001, her husband was hospitalized due to stroke. He spent a week in ICU, and his doctors gave him a slim chance of getting back to his normal life but miraculously, recovered from it. It only took them a few days before he was released from the hospital, as if nothing has happened to him.
After that traumatic experience, and the husband was back to work, my cousin finally decided to check the life insurance quote offered to her by an agent friend. She realized that they have to have an insurance in case something happens to her or her husband. Life is so unpredictable and she wants to have her kids protected.