Why Should I Have A Life Insurance Policy? 
You should have a life insurance policy if there is someone in your life who would be hurt financially by your death , or if you want to make things easier for those who are left behind . You can also use life insurance to give to charity , pass an estate on to your descendants , or create a way for a business partner or family member to carry on your business . There are so many reasons to have life insurance . Some are personal , some are practical . It might help to envision you as being the recipient of someone else 's life insurance benefit , in order to visualize how having a policy on yourself might be of benefit to others . 