Life insurance is valuable because it will help to replace your income and your earning power, should you become permanently disabled or pass away unexpectedly.  It will allow your family to continue paying the mortgage and stay on track toward good financial stewardship.  In the event that you are no longer alive, or if you are not able to work due to a massive injury, the life insurance policy will pay a cash settlement to your heirs.The most important thing you need to know is that there are 2 basic types of life insurance:  whole and term.  A great insurance agent can help you determine which plan is right for you and your family.  If your current insurance agent also sells life insurance, that is great.  Be sure to contact her or him.  If not, your financial advisor can help you se... 11/09/2016