Does Everybody Need Life Insurance? 
As someone who has owned a life insurance policy since age 19 let me express it this way . You need life insurance if there is somebody in your life who will have to pick up your mess and settle your affairs . At 19 , the purchase of life insurance made perfect sense to me as I had a mom and a dad and if something happened to me , It would fall upon them to take care of my loose ends , arrange my service and maybe need some time off . This was long before I entered the insurance world as an agent . It just seemed to me , if I had died , it made sense to help my parents with the cost of dealing with my death . I figured my death was bad enough for them to deal with , my bills , my apartment and my service would just be piling on to a bad situation . So this is how I look at this situation `` does everybody need life insurance ? '' No , they do n't , but I feel sad for the person who has no need for coverage as it means there 's nobody that matters in their life enough to protect from their passing from it . 