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The argument is that if you're an earning member of a friend once told me he took whole life insurance — which lasts till you are 99 years old or dead.

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But here are five but here are five very good reasons why you need life insurance.

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If people depend on your income, life insurance can replace that income for them if you die. Should you buy life insurance in your 20s? $24.64/mo for $250,000 of term life insurance for 20 years.1. If you're wondering why life insurance is important, stop to consider the potentially devastating consequences of not having coverage to financially protect the people that you love. Life insurance = an agreement between a life insurance company and a policyholder;

Life insurance can guarantee provision for your loved ones.

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