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When Do I Need
Life Insurance?No matter your age, marital status, or number of
dependents, Life insurance provides both financial
security for your loved ones and peace of mind for
yourself.

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Life Insurance for Your Stage in Life

Regardless of what stage in life you are at, having Life insurance can help you rest assured knowing that you’ve helped to financially protect those you love. If you can’t be there for your loved ones, Life insurance can help replace lost income, pay a mortgage, help fund a child’s education, cover debts, and much more.

Learn how Life insurance can help protect your loved ones.

  • Single

    Single people often think that they don’t need Life insurance. Even if you are single, chances are you may have people who depend on you. If you have people in your life that would be impacted financially if you were no longer around – either by support you provide them or by your end-of-life expenses – it is a good idea to consider Life insurance.

  • Young adults, married

    Life insurance is not only for those with families. For young adults, Life insurance is typically very affordable and easily obtained. Many young people, even those without children, have people who depend on them. Many are taking care of a parent or may be the sole provider for their household. Young adults have a good chance of qualifying for a low rate – there is no better time to speak with an agent about Life insurance.

  • Young adults, married with children

    Those who are parents of young children know that Life insurance is generally a necessity. And when you are young and in good health, it is a great time to lock in a low rate. Some parents only take out Life insurance for the sole breadwinner, but it is important to consider that Life insurance could help pay for the wide range of services that a stay-at-home parent provides should something happen to the breadwinner.

  • Single parent

    Single parents often bear dual burdens – they provide the sole source of income and the responsibility for the care and guidance of the children. Life insurance proceeds can provide financial assistance in the event that a family's sole caretaker passes away.

  • Empty nesters and retirees

    Even if your children are financially independent, Life insurance may still be an important part of your financial strategy. A widow or widower may need to pay off a mortgage and other debts. Life insurance may be part of your estate-planning strategy or designed to help grandchildren accomplish important goals, such as completing a college education.

  • Business owners

    Life insurance is a valuable employee benefit and it can help a business owner attract and retain employees. Business-owned Life insurance on key employees can help make it financially possible for the business to hire and train a replacement in the event of the key employee’s death. And Life insurance proceeds can also help a surviving partner or family members purchase a deceased owner's share of the business.

It's always difficult to lose someone you love. Financial difficulties make it worse. Life insurance proceeds may help to provide financial relief for the people you care most about if you're not there to care for them yourself. Contact your local Farmers agent today.


Life insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave SE, Mercer Island, WA 98040. Products and features may not be available in all states and may vary by state.

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