Donald Marquez and Dorsey Hickman, both licensed insurance brokers, discuss the importance of life insurance on their radio show. They emphasize that life insurance policies can provide financial stability for families after the policyholder's death, covering expenses like funerals, which can cost $15,000 to $20,000. They highlight the benefits of Lincoln Heritage Life Insurance, which offers up to 80% of the policy's face amount within 48 hours of a claim. They also warn against accidental-only policies and stress the importance of having a valid life insurance policy to avoid financial hardship. Dorsey offers home visits for convenience.