What can you do if you cannot afford life insurance at all?

Skip two pizzas a month, and then you’ll be safe. Seriously—that’s all the money it takes to get a million-dollar term life insurance policy for a healthy, middle-aged person. You won’t miss the money, and if, heaven forbid, you need the insurance, your family will be provided for. The sacrifice you make to buy the insurance is nothing compared to what your children will have to go through if you don’t buy it but later need it.