Ask yourself, “would anyone suffer financially if something happened to me?” If the answer is yes, then you are a candidate to purchase life insurance. Life insurance is one of the most important things to consider when you are structuring how you will protect your family and loved ones. It is a very important part of any life plan or financial plan. Instant Term Life Insurance in particular can be integrated into your current life plan or financial plan quickly with very little upfront costs. Life insurance proceeds can be used to replace income, pay bills, pay funeral expenses, create or replenish retirement assets, or fund expenses such as college for children.