Many insurance companies offer many established products and services, promoting large scale to get more customers. Most people do not really understand about insurance, they are tempted to buy insurance because of the pronounced lip at the promotion of insurance agents. Buy insurance similar to buying goods, do not buy things if not needed. So is insurance, do not buy insurance if you do not needed. Insurance exists to protect consumers from risks stemming from the uncertainty of life. Many uncertainties in life, death, for example because there is no single human being in this world who knows when death will come. Humans can only predict the risk they cause. That's why many people follow the life insurance program. Should you buy life insurance if you need it. Most buy life insurance when not needed, and not take life insurance for an adequate sum insured if necessary. The main factors of buying life insurance quotes is dependent and liabilities (e.g. debt). If someone does not have both then the question does not need life insurance. Life insurance is necessary for workers, employees, and so if it is concerned already have dependents or family. You need to find out whether you need life insurance or not, the important thing is if you already have dependents for example already has a family, it means you also need life insurance in your life.