Quick: name the beneficiary of your life insurance plan. *Crickets.*

Thought so.

Thirty percent of U.S. households have no life insurance at all* — we're talking about not only young single twentysomethings with no dependents, but also couples with kids, homes, and future plans (sound familiar?).

If you have a spouse or children who depend on your income, a life insurance policy can protect them if something happens to you. Plus, it's really easy to get through work, and in many cases, it's available at group rates. Check out the above video to find out just how easy and affordable it can be — and why it can be a smart financial move, too.

Then visit MetLife’s YouTube Learning Center to learn more about your policy options and to use their Life Insurance calculator to figure out how much life insurance you need.

Sarah Fister Gale is a freelance business writer based in Chicago.

* LIMRA 2013 Facts About Life