1. They do not want to pass on their financial obligations or their funeral costs to their families.

2. They want to supplement their Social Security benefits so that during their retirement years, their standard of living will not be drastically lowered.

3. They don't want to die and leave only enough life insurance and other assets to pay off their last expenses, so that their families will not have enough money to last through the financial -adjustment period that follows the death of the breadwinner.

4. They want to supplement their Social Security death benefits so that their surviving families will continue to maintain their standard of living.

5. They know that life insurance can guarantee a fixed income for a surviving parent who must remain at home to care for children.

6. They need an adequate guaranteed retirement income.

7. They need a plan with a definite goal, one that does not depend on speculation and self-control.

full list via quotetermlife