Most U.S. residents believe that having life insurance is important, but some who need life coverage the most have none.

Researchers at Country Insurance & Financial Services, Bloomington, Ill., talk about U.S. consumer life insurance attitudes and ownership in a summary of results from a recent survey of 3,000 U.S. adult residents.

The researchers found that 73% of the participants agree that life insurance is very or somewhat important, but 30% have no coverage, and only 17% have enough coverage to replace more than 3 years of their current income, the researchers report.

About 26% of the parents who participated have enough life insurance to replace more than 3 years of their current income, compared with only 12% of participants without children.

But 30% of the participants with children said they have no life insurance at all, the researchers report.