One of the big issues that many consumers bring up when they talk about why they don’t have life insurance, or perhaps don’t have as much as they need, is the cost.

Over the past few years, many states across the country have focused regulatory efforts on helping residents obtain life insurance benefits they may not have known about.

Even after the recession, many in the life insurance sector were concerned about the trends that left many Americans without coverage and little in the way of prospects for buying it any time soon.