Do you actually need life insurance?

QUESTION 2 OF 3

Do you have debt that wouldn't disappear if you weren't here — mortgage, car loan, credit cards?

QUESTION 3 OF 3

Would your family struggle to cover funeral costs — typically close to $9,000 in New England — without you?

You likely need coverage.

Based on your answers, life insurance would protect the people and obligations that matter most to you. Term life for most healthy adults costs less than a streaming subscription.

You're in a gray zone — worth a look.

You don't have major exposure right now, but even a small policy can close the gap. Most people in this range are surprised how affordable coverage actually is.

You're in decent shape — for now.

Right now you don't have major dependents or debt exposure. Worth revisiting if that changes — a policy locked in young and healthy is usually cheaper long-term.