I am going to make this simple; if you have a spouse and/or children that are dependent on the income that you provide then you need to have enough life insurance to replace that amount if you DIE. I don’t buy into all the fancy insurance (i.e. Whole or Universal Life) I recommend term insurance. In other words you pay an annual premium for a certain amount of time, for a certain amount of coverage and in exchange you have a policy in force for that time. If you die your beneficiaries will receive the benefit amount of your policy, thus your gift to them. When people tell me they don’t want to buy life insurance, I assume they either have enough or they don’t love their family. If you would like to evaluate your life insurance needs, please contact our office at 513.322.5637 or email@example.com and ask for Rob Ludwig or Jared Lutes.