Rosenberry, co-owner of the in Ardsley, N.Y., and a past president of the Independent Insurance Agents and Brokers of New York, said many young people "are more worried about getting tickets to the Yankees game or buying a BMW" than about investing in insurance.

"The issue is, death can wreck lives around you from an emotional standpoint," he said. "Do you want to wreck it from a financial standpoint, too?"

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