Having a term life insurance

I had a conversation with my sister the other day and she told me that my aunt went there to borrow some money.I really pity them because when my uncle died,their lives became miserable.They had a lot of debts to pay.Too bad that my uncle didn't think of getting a term life insurance to protect his family.Now they just rent and live in a small house with almost nothing to eat since she doesn't have a work for now.I'm just so lucky that we are insured because we still have a kid to protect.We should always think the future of our children,be insured.