Is Life Insurance Needed? 
I believe you will find that life insurance is needed to most middle Americans . It is the most affordable way to financially protect your loved ones who would be financially devastated in the case of death of a income earner in their life . Life insurance can replace income , payoff debt , educate children , save a business , save a house and pay for final expenses that have not been previously saved and banked . We insure our homes , cars , property , businesses and health expecting the worst . These things may or may not happen throughout our lives . But we are all guaranteed to die someday . Do n't die for free . 