Who says the free market doesn't work?

You'd think this would get tired, but apparently not:

Dear ColumbusGal:

An NEA member recently shared a story with me about her best friend who was diagnosed with cancer at 32. She had left three children and a husband without adequate life insurance protection, instead of leaving a legacy. The tragedy turned to disaster when they ended up losing their home.

Wow. I think we need some life insurance. I just wonder, is there anyone, anywhere selling it? I have to admit, I'm scared.