If you and your spouse have all your present and future financial responsibilities covered the answer is no. If you have loved ones, such as a family that depends on you financially, the answer is yes. The need for life insurance could be temporary until your children graduate college or your home is paid off. You may be thinking of adding to your retirement fund, building assets, or covering the possibility of needing Long-Term Care. The cost of life insurance gives you stability and peace of mind for you and your loved ones. The younger you are and the healthier you are, the lower the cost of life insurance. Unfortunately, many people wait until they cannot qualify or are rated (given a much higher premium for a policy). We are a broker. We check for the lowest premium depending on your age and health so that we can give you the coverage you need. The day after you are diagnosed with a disqualifying condition is one day too late. Let us do the work for you. Call or set a phone appointment to discuss your needs. 800-641-3315