Fiction: I won't need life insurance until I'm old.

Fact: It's great that you've completed your estate plan, but this is one of those things that is always evolving and never completely done.

If someone depends on your income (especially young children), or if you have significant debt, life insurance is an important consideration at any age.

If tragedy should occur, the insurance proceeds can help your loved ones:

• Pay for remaining debt and funeral expenses
• Maintain their quality of life
• Pay for college
• Afford retirement