Why is it that people tend to avoid the subject of Life Insurance or abhor discussing it?

It is really not that difficult to make out the reasons behind this thinking. Life insurance deals with death, disability, old age and critical illness, none of which are joyous occassions.Although, these are facts of life, the reality remains that the subject of life insurance reminds people of tragic events. And because of this, it is only natural that people tend to avoid the subject of life insurance.Unfortunately, in doing so, they invariably also avoided a vital part of financial planning for their families' future. Cases are abound where families were left to suffer for numerous years as a result of no or inadequate life insurance coverage on the breadwinner who died unexpectedly.