- Anyone that is responsible not just for themselves, but responsible for others as well. This can be a partner, a child, a business partner, or anyone who is financially dependent on you. - If you have a mortgage, it also makes sense to get a plan for the primary earner. If you both contribute equally to a mortgage, it makes sense to get life insurance for both people. - If you run a business with someone, you should consider life insurance. Your business partner could be listed as a dependent.