You may not need insurance if you are living alone without mortgage. Getting a life insurance in such a case will only make sure that you leave no debts behind you. It will also ensure that you have a nice funeral! You can get insurance if you want to leave behind something for someone you love. Buying an insurance policy in such a scenario totally depends on you and you can buy it if it makes sense to you.

It becomes important to have life insurance if you are single and living alone with a mortgage. In case of your death, your family will have to pay your debts. Life insurance can be very helpful in such cases. The insurance company will pay your mortgage and your family won't have to worry about it. It will make life easier for your beneficiaries and they will have a secure future.

You need insurance if you are planning to start a family. It's never too early to buy insurance and you can buy a number of policies together. The coverage will be big and if anything happens to either of you, your kids will have a secure future. Your family will not fall apart.

If you are married but have no kids, then you should buy a life insurance. You must buy insurance if you think that your spouse won't be able to maintain the lifestyle and the financial commitments that you may have made jointly, if something happen to you.
This will see to it that your partner has a secure future. You must have an insurance policy when you are married and have kids. Your kids are totally dependent on you and you must get insurance to make their future secure. If something happens to you, the insured money will help your spouse to carry on with life and it will also help in your child's education.

Life insurance is not necessary if you love alone but it is extremely important when you have dependent kids. But ultimately it is a choice which you have to make, a choice for a secure future!