It is better to be 5 years early rather than 5 minutes late - Unless you are somehow immortal; you will certainly need Life Insurance. It is a financial safety net your family can use to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children's college, debts and just about anything else they may need. Simply put: life insurance can remove many of your financial worries.    If you don't know how much you need; you can use our free Life Insurance Calculator to determine how much coverage is appropriate for you.