if something happens to you — often, it will fall to your family. If you have a cosigner on your loan, it becomes their responsibility. Life insurance could help them cover that debt. And, for business owners, life insurance could help pay your employees and keep your business afloat if something happens to you. Life insurance is a must-have for people with dependents, but it's a nice-to-have for anyone who shares their household with another family member like a spouse.
If your spouse loses you, they lose your income as well. And that could mean they'd need to cover all the expenses your income used to cover on their own. Life insurance could help them maintain their standard of living, and help cover expenses like a mortgage.
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