Life insurance can be used for a host of reasons from tax-deferred wealth accumulation for high-income earners to estate tax planning. More commonly, life insurance is used to help ensure that if you don’t come home tomorrow, your family won’t be financially devastated. As a general rule, we believe that anyone who has someone else financially dependent upon them, should carry at least a term life policy if they can obtain one. We have extensive experience with people who have died prematurely and having, or not having an insurance policy can make a huge difference.