Who Needs Permanent Life Insurance? 
Who needs permanent life insurance ? People with permanent needs . I.e. needs that will not end after a certain number of years . No one knows for certain when death will occur , so funeral expenses will need to be covered by permanent life insurance if the goal is to pay off the funeral with life insurance . Leaving an inheritance to children or grandchildren will require permanent life insurance . If you have Term insurance , pass away after it expires , and can not qualify for or afford a new policy , the money you planned to leave your family will be gone . Most people do n't need all their life insurance in permanent policies , because some of their life insurance needs will be temporary . But when the need will not go away until death , permanent life insurance is the only sure solution . 