Who Should Carry Life Insurance? 
The easy answer is `` anyone who will pass away , and does n't have a ton of cash laying around to cover funeral expenses and provide for those they leave behind '' . If you are n't in that category , then it might be best to look into it . The truth is that unfortunately , too many people are uncomfortable thinking about death , and so avoid the planning for what happens when they do . The result is financial stress on the spouse/immediate family ; emotional stress for the family when the hat is passed around to help collect for the costs , and the real strain of trying to live without an income , and the drastic lifestyle changes that causes . That sounds harsh , and it is , but it is becoming more and more common as incomes dwindle and families struggle . Please consider the importance of protecting those you love from this reality . Please hit the `` contact me '' button , and let me help you with your questions . 