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Who Needs Life Insurance, and Why?
Why might you need life insurance? If you have dependent children, are married, have a business or a sizable estate, aging parents, or a physically challenged relative, you should consider purchasing a life insurance policy.
Have dependent children. In the event that you are no longer around, your children will need to be provided for. Most parents wish for their children to continue maintaining the lifestyle they have been having, and this would require a life insurance policy.
Have a spouse. See above; it is the wish of many that their spouses be provided for if something happens to them.
Own a business. If you want your business to continue when you're no longer around, you may want to think about life insurance to keep it afloat.
Have aging parents or a physically challenged relative. You can provide for your aging parents or a physically challenged relative who isn't able to work even when you're no longer around with life insurance.
You can determine the amount of life insurance you'll need by basing it on your personal and financial needs. You'll also need to update your policy as changes occur in your life (weddings, divorces, children, new home, retirement, business ... more

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