1. Your need for life insurance will change with changes in your life. For example, if you are single or live with your parents, you may not need life insurance, unless you have a debt or want to provide for your parents, a friend, a relative, or charity. However, as children are born, your need for life insurance will increase. As children grow older and leave the nest, you will probably need less insurance.

YOUR SITUATION: Do you know if you need life insurance? Have you taken time to consider why you need life insurance and to find a sales agent who is knowledgeable and trustworthy? Have you evaluated the advantages and disadvantages of term life, whole life, and other life insurance options available to you?