For life insurance, your level of need will depend on your responsibilities and your age. If you have people who depend on your income you need life insurance. The benefit can help your dependents pay ongoing expenses such as: housing and food, outstanding bills, education, or other day-to-day expenses.
The primary income earner would also benefit from life insurance on the stay-at-home spouse who cares for children. Life insurance could provide the money to pay for childcare.