Why Do I Need Life Insurance? 
You need life insurance if you have someone you care about who would suffer financially as the result of your death , and you are unable to save up enough in your lifetime to prevent that . Even if you do save it up , most of us have no way of knowing if those funds will have to go to something else before we die . Life Insurance does not pay the death benefit until death , so is a good way to provide for those we love after we are unable to do so . 