Why Should I Have A Life Insurance? 
You should have life insurance if you want to provide a financial benefit for someone who would suffer financially from your death . This could be a family member , a business partner , or some person to whom you owe money . You should also have life insurance if you want to make it easier for your family to take care of your funeral and burial or cremation . Life insurance pays quickly without having to go through probate , enabling final expense bills to be paid with that one check . 