Every should have life insurance. Image what would happen if you were gone, what would your family do? Even if you are not the breadwinner, your contribute and your services need to be replaced. Housekeeping, child care, laundry all cost money to have done.

Life insurance can be confusing. There is whole life and term life insurance. Term life insurance covers you for a certain term, say 20 years. This is the type of insurance that builds no cash value. It expires when the term is over. It is used to cover someone while they have a mortgage and children are young. Whole life Insurance or Universal life insurance is different. Universal life insurance is for people who have a need for life insurance until their death. This may be used to fund an estate or used an an inheritance. If all you need is insurance for your working years, chose no medical life insurance or a similarly inexpensive policy.

You can easily purchase no medical life insurance. No medical exam life insurance requires no doctor visit, no needles, just a few health questions. Term life insurance no medical is very inexpensive and can help your family deal with your loss and the loss of your income at a critical time in their lives. There is no excuse not to protect your families future.