Almost everyone needs insurance - seriously!  **Almost** anyone...

The 4 situations where insurance is not necessary are:

. 𝑵𝒐 𝒐𝒏𝒆 𝒅𝒆𝒑𝒆𝒏𝒅𝒔 𝒐𝒏 𝒚𝒐𝒖 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍𝒍𝒚.You do not have kids or other dependents that would have a tough time surviving financially if you were not around to help them.

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Yes! Totally.

If you are buying a simple term policy and you have someone at your bank that you enjoy talking to (and trust), do it! Bank insurance is better than no insurance - do it. Now.

Be weary of whole life/permanent policies that feel 'salesy' from your friends or network (you know...