Is Life Insurance Required? 
There is no legal requirement that anyone have life insurance . However there very clearly is a moral , ethical , and loving requirement to have at least some life insurance . Anyone with a spouse , children , loved one , religious or charitable ties , has a responsibility to make sure their family is provided for in their absence . How would your spouse survive without your income or assistance ? How could they pay someone to provide what services you provide and care for the children ? How would the mortgage be paid ? I can help assist you in your planning and provide you with a series of alternatives , for you to select the one you can comfortably afford and be secure with . 