I'm a financial planner, and I see 5 types of people who need life insurance most - Business Insider

Individuals who have financial plans in place for the benefit othersIndividuals with financial dependents

Lastly, candidates can include benefactors who consistently and significantly support causes and organizations that are dear to them. Joint debts entered into by spouses are a prime example here. If you and your partner own a home together, get life insurance — it will cover your housing costs in the event of your partner's untimely death.

Lastly, business loans personally guaranteed by an individual or among business partners can create joint liabilities.This is where the concept of life insurance being utilized to "complete the plan" comes into play.

If you are single with no kids, why would you need it? If you have no debt, why would you need it? In the first case, bravo for not exacerbating any human caused climate crisis. In the second case, bravo for not contributing to the debt caused economic crisis.

If you live in america**

_jtarik

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