Any of you have it?

Dont have it?

Should have it?

or worse ... NEED IT?

Forget life insurance(unless its for love'd ones)......you should have enough to get put away the you want anyway. .....whats a creamation cost w/organdonation at tufts medical=0.00.

I just had one of those waking moments that made me realize that if something happens to me, my family is SCREWED. I mean My parents have money that they are willing to help but they are not rich.

Scary.

We are currently looking into it pretty seriously.  One of my best friends just died leaving his wife and one month old baby.  He had life insurance and was about to up it because of the new baby but hadn't yet.  Would have been nice for the family if the extra would have been there, but we are all making sure his wife and kid will be OK.  The amazing thing is the cost of dying.  I think the family spent almost 20 grand after everything was added up.

If you have kids, definitely do it.

Have it through my job but that's it. As I have no wife or kids, I don't really need it.

From a former agent:

Buy Term with a 15-20 year level premium.

Don't fall for the whole life, universal life bet your life crap.  Agents push that stuff because they cary the highest commission.  They try to tell you it also contains a savings plan but if you die you don't get the savings and the face amount unless you live to 100.

Rates are very competitive right now.  Try BestQuote and Matrixdirect.