For many families, that means no financial safety net if a loved one dies. A safety net is needed - burial expenses, a gravestone, even something as small as a death certificate, it all costs money. Ryan Hansen, life insurance agent for the Gary Thompson Insurance agency in Grand Island, said that with a young family of his own, he can't imagine not having life insurance. "Everybody is different and you gotta assess what your debt is, plan for the future, figure out what burial expenses are," Hansen said. Ryan Redinger, a funeral director in Kearney, said preparation is the key, and when life insurance is in place, it makes all the difference. At his funeral home they even offer a plan. "The funeral home offers pre-arrangement plans through the home which is funded by a life insurance product," Redinger said. Millenials may have life insurance figured out. 70 percent in that age group have life insurance to pay for final expenses.
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