Nothing in life is certain. No one likes to think about it, but the truth is it can happen to you. Give your loved ones the financial security they deserve.

A good life insurance policy would handle the financial responsibilities you left behind so family members wouldn't be burdened. It depends on your situation. Several key questions follow below to help give you an idea of signals pointing to "yes".

1. Are you married?
2. Own a business?
3. Dependent children?
4. Other dependent relatives? (seniors, disabled)
5. Currently have major financial obligations? (mortgage, multiple loans)