When Should Someone Buy Life Insurance? 
There are many reasons to look at purchasing life insurance . First and foremost , life insurance provides a tax-free death benefit to your beneficiary . Purchasing life insurance is based on the need you are trying to cover . If you have a family with children , then it is a good idea to replace that lost income if you or spouse should die while kids are growing up . If you have a business with a partner , then it may be a good time to get insurance . Estate planning is a reason to get life insurance . If you think you might have a need , please consult your broker to review your situation . 