Look at Asia Carerra. If her husband wasn't smart enough to buy life insurance, her ass would be turning tricks with her newborn on her hip to survive.
For a supposed MENSA member, Asia wasn't smart enough to build that safety net either.
Um...I guess you didn't hear? Asia suddenly got total recall after all the fanboy donations had done rolling in, and remembered that her husband did in fact have a life insurance policy after all.
You can read about it on her site, or alternatively do a search on XPT to get some colourful commentary on this amazing and totally plausible turn of events.
Yes I knew she suddenly found her husband's insurance policy under a file of her old porn mags and sleeks. That's why you don't give money to these whores. Maybe, sometimes, we don't give them enough credit and they are scamming us. Realizing how sympathetic their fans and comrades are to donate money to them all the while having coverage. Why not double dip when we are stupid enough to let them.