Many people do not need life insurance. Either they have built their own wealth or inherited it. The majority of people, however, continue working to maintain the lifestyle they enjoy. For some, that can mean a modest amount of debt. Very rarely can people purchase their homes or vehicles outright. This is where term life insurance can really help. If you have a family, a quality insurance policy will cover their financial needs for several months or years after your demise and ensure they have what they need without struggling financially.