Do I Need Life Insurance Now That I'm Getting Married? 
That is an excellent question ! One of your primary duties as husband or wife is to protect your spouse in the event that something were to happen to you . If you were to pass away , would your spouse be able to afford your funeral expenses , the loss of your income , and the debts you 'd leave behind to them ? If you are like most of us , that answer is no . That is where a life insurance policy becomes important . There are several policies available to you , and they run a range of prices . After the honeymoon is over , the two of you should sit down and work out your new budget . Once you have worked out what your income will be , and your monthly expenses , look at what disposable income you have left . Then look for an affordable life insurance policies for the both of you . Whole life policies are more expensive , but offer the advantages of level premium costs , coverage that you ca n't outlive , and the safety net of having an available source of quick , tax free cash in the future if needed . The money paid out when you pass is tax free to your spouse . Term life policies are a good option if money is tight . They are also the more affordable way to guarantee a higher amount of coverage for replacing an income . The advantage and the drawback to this type of policy is that the coverage ends at a specific point in time , and then you need to start over . Depending upon your age and health at the time , that may not be a problem , or it could end up costing you more for coverage after that point . There are also universal or variable life policies that promise great income growth and death benefits , but I urge you to be extremely cautious if that is the route that you decide to take . The more hype and eagerness on the agents part to sell it to you , the more risk you will have , so beware . I am not a fan of these policies . I 'd advise you to look at combining your policies auto , home , -LRB- or renters -RRB- and life under one roof if possible , to take advantage of the discounts that will be available , and shopping for a reputable independent agent is always a wise thing to do . Congratulations on your marriage , may God bless you both with many years of happiness , and health . contact me if you have questions , and thank you for asking ! 