Does A 25 Year Old Need Life Insurance? 
All 25 year olds are not equal . Life insurance death benefits replace income that dies when the insured dies . If a 25 year old -LRB- or any age -RRB- has other people that would be hurt financially at his or her death , then life insurance might be a smart solution . Granted , a 25 year old single person may not have as much `` need '' for life insurance as a 40 year old with 3 school age kids , but may still want life insurance to replace a financial loss . 