Is Life Insurance Really Necessary? 
There are other ways to save up or invest in order to provide funds to those who would suffer financial loss upon your death . However , those funds do not accumulate overnight , whereas life insurance will pay within hours of it going into effect . Also , those funds are always in danger of being depleted for medical bills or other emergencies , whereas Term life insurance only pays out upon death . To me , these are the two most compelling reasons that Life Insurance is really necessary . 