Does Everybody Need Life Insurance? 
It is the single most important form of insurance and everyone regardless of single , married , kids , age , etc should have it . Think of it like this . You have auto insurance to protect a car , home insurance for a home , etc , but why would anyone not protect the only thing you really own and the loved ones that care about you with life insurance ? You can easily replace a car or a home with another , but how do you replace a life and the financial burden placed on the ones you love ? Life insurance allows you to do that and if you do n't have it I recommend contacting your local independent agent . 