Always a Surprise...

My in-laws have been on us since we were first married, twenty-one years ago, to plan for the future. We have heard over and over again about the need for us to have a retirement accounts. Over the years we have both gotten a retirement account as well as life insurance. I was surprised to find out that my in-laws do not have life insurance. This surprises me because there are so many options for getting life insurance including low cost life insurance no medical exam required. We even and short term disability insurance and they do not. It makes me wonder if the only thing they are preparing for is a happy retirement and not any possible illnesses?