Who Has The Greatest Need For Life Insurance? 
Video Transcript : Who has the greatest need for life insurance ? Everybody that has beneficiaries that they want to indemnify , cover , or protect from their own indebtedness . Maybe you have a mortgage ; maybe you have credit card debt or auto debt . You may have future obligations like college or retirement . Whatever you want to protect , you want to be able to make sure your beneficiaries receive the tax-free benefit of life insurance proceeds to take care of those obligations so that they 're not saddled and suffer through financial liabilities that you incurred or you created . Remember , just a heads up ; you may even want to create this for charitable intent . Whatever your reasons are , who has the greatest need ? People have the greatest exposure . 