Is Life Insurance Essential? 
Essential to whom ? Are you asking if the government requires it as they are with health care . Then the answer is no . Is it essential to you . Depends what your emotional feelings are about the people how are dependent on you . If you 're all by yourself and do n't have any outstanding bills and do n't feel the need to pass on money to loved ones then no , I would n't mess with it . If you 're older say in your 60 's , 70 's or beyond then is may be cost prohibitive . I would need to learn more about you and your needs before such a question can be answered . The bottom line is only you can decide if life insurance is essential . With the help of a good agent you can get a policy that fits your specific needs . There are so many different ways to get there . You just need to work with someone who is asking you the right questions to help you explore the need . 