It's fair to say that most adults have someone depending on them financially. In a lot of cases, (such as adults with a spouse and young children), it's several people. For these folks, there is really no question they need a life insurance policy.

Life insurance is intended to replace income (in the case of someone who earns a salary that supports a family) or pay for services (in the case of a stay-at-home caregiver) that the insured person would provide. The good news is that coverage can be easy to buy and usually not terribly expensive, especially if you opt for term life over whole life insurance.