Is Life Insurance Really Worth It? 
Video Transcript : Today 's question is , is life insurance really worth it ? Well , that 's a good question . If I have financial liabilities , like indebtedness , a mortgage , if I have future obligations , like a college education for my children or my retirement , or I want to replace my income for my family if something happens to me , I think that 's worth it . How do I pay for that ? You may want to look at term life insurance if you have a temporary indebtedness or future obligations and it 's temporary , that could be your play because that 's the cheapest way to play . And that makes it worthwhile . If you have ongoing financial indebtedness or future obligations , or you need to replace income , or you have terrible intent , you probably need to buy a permanent form of life insurance . Depending upon what you 're trying to cover , I think that life insurance is absolutely needed and necessary and yes , I think it 's worth it . 