Life insurance is a tricky kind of insurance in the way that not everyone needs it right now but at some point, most people will. How do you know if you need to get it now, though? Here at NY Twin Bridges Insurance Agency, serving Albany, NY, we want to make sure that you are always covered with what you need. Answer the questions below to determine if you need to get life insurance at this stage of your life. 

• Do you have a family that relies on your income? Whether you have a spouse, children, or both, you should consider if they need to have some financial help if anything were to happen to you. If you think they do and do not have a plan to provide that otherwise, life insurance is a good option.
• Do you have outstanding debts? Contrary to popular belief, there are some types of debt that will live on after you. If you have debt like a mortgage debt or student loan debt, you will want to make sure you have enough life insurance to cover these amounts so your family does not have to take on that additional burden. 
• Do you have enough money to pay for a funeral? Funeral costs can be a lot these days and that is only expected to get more expensive. Make sure you have enough in life insurance to cover the costs. 

After answering these questions, it should be pretty clear whether or not you need to have life insurance. If it is time for you to make the purchase, be sure to reach out to us here at NY Twin Bridges Insurance Agency, serving Albany, NY for your free quote. We can also help you determine how much you need and if now is the right time to purchase.