Consider if you need life insurance and get it if you do.

 Life insurance for some is an absolute in their minds. Life insurance is for two things: to replace a lost income and for the burial costs. Does an 80-year-old need to replace an income? No. Hopefully they have enough in their estate that they don't need that money for burial costs either. A 35-year-old husband with two young kids definitely should have the insurance to replace an income that could be lost. With no kids in the house, a spouse could move on to support themselves and would not need an income replaced when there was no longer a family to support. These are not rules, simply thoughts to help make good decisions.