Life insurance doesn’t have to be confusing. Learn who really needs it, when to buy it, and what kind to choose.

Life Insurance Isn’t for You—It’s for the People You Love

Thinking about death isn’t fun, but planning for it is one of the most caring things you can do. Life insurance ensures your family isn’t financially stranded if something happens to you.

Who Needs Life Insurance?

• Parents or guardians with dependents

• Married couples (especially if one relies on the other’s income)

• Homeowners with joint mortgages

• Business partners

🚫 If you’re single with no kids or debts, you might not need it (yet).

Term vs. Whole Life—What’s the Difference?

• Term Life: Affordable, covers you for 10–30 years

• Whole Life: More expensive, includes investment component

💡 Pro Tip: Most people are better off with term + separate investments.

How Much Coverage Do You Need?

Rule of thumb: 10–15x your annual income or enough to pay off debts and support your family’s lifestyle for several years.

Conclusion: One Simple Policy = Peace of Mind

Life insurance doesn’t need to be complicated or expensive. The earlier you get it, the cheaper it is—and your loved ones will thank you for it.