The Magic of Making a Difference The Different Stages of a Client's Life If someone is financially dependent on your clients, they probably need life insurance. Here are some examples of specific life stages or life events that might trigger the need for life insurance. Married or Getting Married Most families depend on two incomes to make ends meet. If one of your clients died suddenly, would the other spouse have enough money to cover funeral costs, credit card balances, outstanding loans and daily living expenses? A Parent or About to Become One Raising a child is arguably the most rewarding thing a person can do in life. But it’s also one of the most expensive. If your client died tomorrow, would their spouse have the financial wherewithal to provide the children with the opportunities they always dreamed they’d have? From diapers to diplomas, would there be enough income to pay for day care, a college education and everything in between? Even parents who don’t work outside the home need life insurance because they provide services that would be expensive to replace, such as child care, transportation and household chores. And what about single parents? They need life insurance more than anyone because their children rely on them for everything.