1. Do you have dependents at the time that you apply for insurance protection?

If you have children who will need financial care should something happen to you, you will need to consider their financial needs. Things such as school funding and general financial concerns should be considered, and a good insurance policy should cover these things at a minimum.

2. How much do you owe?

When considering life insurance, you should think about just how much debt you will be leaving behind. If you don