Should You Buy Life Insurance? Well, actually that depends completely on you, your personal needs and your concerns for the financial needs of others that are dependent on you. Life Insurance Questions: Are you married? The husband in a family almost always has a need for life insurance coverage. Oh, there are obviously exceptions but, for the most part, you'll usually find the husband in a family situation should have some kind of life insurance. First is the obvious example of a husband in a situation where the wife is a stay-at-home-mom and is totally and completely dependent on the income that the husband is bringing in for being able to feed, cloth and take care of their children. Should the husband in this situation die then the obvious immediate dilemma is where will the money come from for paying for all of the expenses associated with a funeral for the husband, the groceries for next week, the doctor visit if one or more of the children suddenly become ill (and certainly that is a distinct possibility with all of the stress of a death in the immediate family) and all of the medical bills that will suddenly become a burden as a result of the husband's illness or injury that caused his death. Life Insurance or Charity? Will friends and family get the wife and children through the initial financial crunch? Almost certainly. But, not always. And, even if the money is loaned to the wife she'll almost certainly feel a moral obligation of some kind to pay it back. What will she do without the support of an adequately large life insurance policy to see her through the crisis? The caring husband in this situation will obviously want to make sure that their are some significant proceeds coming forth from the life insurance policy that he has purchased to help his family when he dies. Unfortunately, there are many husbands who, when approached by a life insurance agent, frequently as the result of the encouragement of the prospective policyholder's wife, immediately adopt an attitude of, "Why? She'll just get married to someone else and they'll be living happy on the money from my life insurance policy. No way!" Life Insurance Proceeds This situation is encountered frequently enough to rule out the possibility that it is always in a situation where there is a bad marriage. In a bad marriage a statement such as this on the merits of life insurance might be somewhat understandable, especially if there are no children involved, but this very negative attitude by a husband occurs enough to know that there are many men who love their wives but view the purchase of life insurance pragmatically enough that they find it easy to separate the emotional bond from the financial bond and genuinely believe that their wives are going to immediately run out and "find a man to take care of them".

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