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How to Determine if you need Life Insurance .....
 If anyone depends on your income for their daily and future needs. If you pay the house payment, car payment, buy food, pay the bills then you need life insurance.
If you are a parent then you need life insurance. You need life insurance to help the surviving spouse to meet the long term and day to day expenses of raising the children. Life insurance can also be used to offset your financial liabilities and secure your families future.

 Life insurance can help solve the problems that arise when you are no longer able to help.
       Immediate funds :
            funeral expense
            medical expense
            debt and taxes
            financial relief
       Later needs :
            dependant care
            college expenses
            financial obligations
            home or business expenses