You need life insurance if you think you will leave financial obligations behind when you die. Family obligations create financial obligations. Life insurance benefits can provide food and shelter for children and other dependents.

Determine the financial obligations you will have when you die.
• Include in the equation, college education, mortgage, auto loans, if you have a two income family consider covering the spouses income and for how long.
• Have you and your agent decide which product or combination of products fit your needs.

Remember every financial obligation you have should be considered for life insurance coverage.