When Do I Need Term Life Insurance? 
You need term insurance when you want low cost life insurance protection to protect your loss of income . assets or many other items . Whether you are getting ready to retire , just starting a new job , getting ready to start a family or sending kids to college , term insurance is one of the best and most affordable ways to create an immediate estate . A full-time broker or financial planner is your best resource for accurate information and comprehensive rate and policy analysis . 