{"id":2775,"date":"2020-01-23T14:33:40","date_gmt":"2020-01-23T19:33:40","guid":{"rendered":"https:\/\/lifehappens.org\/?page_id=2775"},"modified":"2024-07-24T12:50:46","modified_gmt":"2024-07-24T16:50:46","slug":"do-i-need-life-insurance","status":"publish","type":"page","link":"https:\/\/lifehappens.org\/life-insurance-101\/do-i-need-life-insurance\/","title":{"rendered":"Do I need life insurance?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; make_equal=&#8221;on&#8221; specialty=&#8221;on&#8221; padding_top_2=&#8221;20px&#8221; padding_right_1=&#8221;50px&#8221; padding_top_bottom_link_1=&#8221;false&#8221; padding_top_bottom_link_2=&#8221;false&#8221; padding_left_right_link_1=&#8221;false&#8221; padding_left_right_link_2=&#8221;false&#8221; custom_css_main_1=&#8221;border-right:1px solid #eeeeee;&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.21.0&#8243; inner_width=&#8221;100%&#8221; inner_max_width=&#8221;1250px&#8221; inner_module_alignment=&#8221;center&#8221; custom_padding=&#8221;60px|35px||35px|false|true&#8221; top_divider_color=&#8221;#3390ff&#8221; top_divider_flip=&#8221;vertical|horizontal&#8221; top_divider_arrangement=&#8221;above_content&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_4&#8243; specialty_columns=&#8221;3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_row_inner _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;20px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/life-insurance-101&#8243; button_text=&#8221;Life Insurance 101&#8243; module_class=&#8221;button_icon_right&#8221; _builder_version=&#8221;4.16&#8243; custom_button=&#8221;on&#8221; button_border_width=&#8221;0px&#8221; button_letter_spacing=&#8221;0px&#8221; custom_padding=&#8221;0em|0em|0em|0em|false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_text _builder_version=&#8221;4.16&#8243; header_font_size=&#8221;38px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Do I need life insurance?<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>The question of who needs life insurance is very personal. An easy way to know if you do is to consider if someone would suffer financially if you were to pass away. If the answer is yes, then there\u2019s a good chance that you should consider life insurance.<\/p>\n<p>There are several different <a href=\"\/life-insurance-101\/what-are-the-different-types-of-life-insurance\/\">types of life insurance<\/a>. What they all have in common is that they pay cash to your loved ones in the event that you pass away. This lets your nearest and dearest remain on firm financial ground even though your earnings have stopped.<\/p>\n<p>Life insurance can help your loved ones <a href=\"\/life-insurance-101\/what-does-life-insurance-cover\/\">cover virtually any expense<\/a> they currently (or will someday) face if your financial contributions were no longer in the picture. Just a few include funeral costs, rent or mortgage payments, and childcare expenses.<\/p>\n<p>Some of the people who most commonly consider life insurance include:<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; custom_css_main_element=&#8221;align-items:center;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;20px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Married or partnered people<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Those left behind often find it difficult to cover daily and future living expenses without a partner\u2019s financial contributions. This is often as true for young couples as it is for empty nesters eying retirement. Life insurance can help ensure your surviving spouse or partner can maintain the standard of living you worked so hard to achieve.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f8f7f4&#8243; custom_margin=&#8221;3.75%||3.75%||false|false&#8221; custom_padding=&#8221;0px||0px|||&#8221; custom_css_main_element=&#8221;align-items:center;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;18px&#8221; custom_padding=&#8221;30px|40px|30px|40px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Watch Christi Dunaway\u2019s story, as life insurance was an important lifeline after her husband died unexpectedly.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; transform_translate=&#8221;-40px|-40px&#8221; transform_translate_linked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<script src=\"https:\/\/fast.wistia.com\/embed\/medias\/5c14xqzpw1.jsonp\" async><\/script><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\"><span class=\"wistia_embed wistia_async_5c14xqzpw1 popover=true popoverAnimateThumbnail=false videoFoam=true\" style=\"display:inline-block;height:100%;position:relative;width:100%\">\u00a0<\/span><\/div>\n<\/div>\n<p>[\/et_pb_code][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; custom_css_main_element=&#8221;align-items:center;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;20px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Parents<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>It\u2019s estimated that it costs $233,610 to raise a child to age 18. And that number only increases if you plan on contributing to your child\u2019s college education.<\/p>\n<p>Statistics like this underscore how incredibly important it is for parents to consider life insurance. This is as true for working parents as it is for stay-at-home parents whose unpaid contributions to the family would be expensive to replace. And we can\u2019t forget single parents supporting families on their own\u2014they have an especially important need for financial protection in the form of life insurance.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f8f7f4&#8243; custom_margin=&#8221;3.75%||3.75%||false|false&#8221; custom_padding=&#8221;0px||0px|||&#8221; custom_css_main_element=&#8221;align-items:center;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;18px&#8221; custom_padding=&#8221;30px|40px|30px|40px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Check out Jim Chich&#8217;s video, a dad who benefitted from life insurance after his wife, Jenny, who was a stay-at-home mom, died during childbirth.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; transform_translate=&#8221;-40px|-40px&#8221; transform_translate_linked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<script src=\"https:\/\/fast.wistia.com\/embed\/medias\/tok6nru6vt.jsonp\" async><\/script><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\"><span class=\"wistia_embed wistia_async_tok6nru6vt popover=true popoverAnimateThumbnail=false videoFoam=true\" style=\"display:inline-block;height:100%;position:relative;width:100%\">\u00a0<\/span><\/div>\n<\/div>\n<p>[\/et_pb_code][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; custom_css_main_element=&#8221;align-items:center;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;20px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Retirees<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Surviving partners often must make do with less Social Security and pension support. They may also have unforeseen funeral costs to cover. This can seriously hamper their finances.<\/p>\n<p>What\u2019s more, if you\u2019re planning on leaving money to heirs, they could be required to pay estate taxes of up to 45%. Life insurance, which is almost always exempt from federal taxes, can be immensely helpful in any of these situations.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f8f7f4&#8243; custom_margin=&#8221;3.75%||3.75%||false|false&#8221; custom_padding=&#8221;0px||0px|||&#8221; custom_css_main_element=&#8221;align-items:center;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;18px&#8221; custom_padding=&#8221;30px|40px|30px|40px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Jim Stacherski is a retiree who was helped by insurance after his wife passed away from breast cancer. Watch their story.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; transform_translate=&#8221;-40px|-40px&#8221; transform_translate_linked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<script src=\"https:\/\/fast.wistia.com\/embed\/medias\/jkbachep2t.jsonp\" async><\/script><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\"><span class=\"wistia_embed wistia_async_jkbachep2t popover=true popoverAnimateThumbnail=false videoFoam=true\" style=\"display:inline-block;height:100%;position:relative;width:100%\">\u00a0<\/span><\/div>\n<\/div>\n<p>[\/et_pb_code][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; custom_css_main_element=&#8221;align-items:center;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;20px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Business owners<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]Surviving family members are often not prepared to take over a business when an owner passes away. This pain is only compounded when a business has debts that are backed by assets like the family home. What\u2019s more, a family that wishes to continue running a business may need to buy out a partner\u2019s shares. Life insurance can be a financial lifeline in all of these situations, with many business owners pairing life insurance with a buy-sell agreement that lets the surviving partners buy out the deceased partner\u2019s shares via the life insurance payout.[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f8f7f4&#8243; custom_margin=&#8221;3.75%||3.75%||false|false&#8221; custom_padding=&#8221;0px||0px|||&#8221; custom_css_main_element=&#8221;align-items:center;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;18px&#8221; custom_padding=&#8221;30px|40px|30px|40px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]Check out Anne Gongos\u2019s video, a surviving spouse who depended on life insurance and the money from the sale of their business to help her when her husband passed away unexpectedly.[\/et_pb_text][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; transform_translate=&#8221;-40px|-40px&#8221; transform_translate_linked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<script src=\"https:\/\/fast.wistia.com\/embed\/medias\/6hd6fj6o9b.jsonp\" async><\/script><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\"><span class=\"wistia_embed wistia_async_6hd6fj6o9b popover=true popoverAnimateThumbnail=false videoFoam=true\" style=\"display:inline-block;height:100%;position:relative;width:100%\">\u00a0<\/span><\/div>\n<\/div>\n<p>[\/et_pb_code][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>In addition to the instances above, there are certain life events that should make you ask \u201cDo I need life insurance?\u201d They include:<\/p>\n<ul>\n<li>Having someone cosign on a loan you take out<\/li>\n<li>Changing jobs<\/li>\n<li>Starting or buying a business<\/li>\n<li>Buying a house<\/li>\n<li>Getting married<\/li>\n<li>Having or adopting a child<\/li>\n<li>Deciding to go back to school<\/li>\n<li>Deciding to stay home with children<\/li>\n<li>Becoming a single parent<\/li>\n<li>Getting divorced<\/li>\n<li>Starting to support someone financially like an aging parent<\/li>\n<li>Starting to save for a child\u2019s college education<\/li>\n<li>Getting close to retirement<\/li>\n<\/ul>\n<p>As you can see, there are many reasons to consider life insurance. The good news is that getting life insurance is simpler and more affordable than most people think. One of the best ways is to work with a financial professional who can walk you through the entire process. If you don\u2019t have one to work with, check out our <a href=\"\/choosing-an-agent\/#locator\">locator<\/a>. You can also work directly with an insurance company. Here are\u00a0<a href=\"\/about\/partners\/\">company partners<\/a> that support our non-profit mission and can assist you in getting coverage directly or through one of their financial professionals. The key is to start today.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.14.2&#8243; text_font=&#8221;Montserrat|600||on|||||&#8221; text_font_size=&#8221;15px&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;58px|||20px|false|false&#8221; global_module=&#8221;2892&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Learn more<\/p>\n<p>[\/et_pb_text][et_pb_sidebar orientation=&#8221;right&#8221; area=&#8221;et_pb_widget_area_1&#8243; show_border=&#8221;off&#8221; _builder_version=&#8221;4.21.0&#8243; body_text_color=&#8221;#002838&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.3em&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px||||false|false&#8221; global_module=&#8221;2893&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_sidebar][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do I need life insurance?The question of who needs life insurance is very personal. An easy way to know if you do is to consider if someone would suffer financially if you were to pass away. If the answer is yes, then there\u2019s a good chance that you should consider life insurance. There are several [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":3116,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-2775","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.8 (Yoast SEO v23.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I need life insurance? &#8211; Life Happens<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lifehappens.org\/life-insurance-101\/do-i-need-life-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do I need life insurance?\" \/>\n<meta property=\"og:description\" content=\"[et_pb_fullwidth_module_placeholder selected_tabs=&quot;all&quot;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lifehappens.org\/life-insurance-101\/do-i-need-life-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Life Happens\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lifehappens.org\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-24T16:50:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/og_image_LifeHappens_logo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@lifehappens\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lifehappens.org\/life-insurance-101\/do-i-need-life-insurance\/\",\"url\":\"https:\/\/lifehappens.org\/life-insurance-101\/do-i-need-life-insurance\/\",\"name\":\"Do I need life insurance? 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