There are several reasons people might need insurance today. Among those reasons are:

1. Mortgage protection.
2. Replace income.
3. Provide funds to send children to college.
4. Pay for dependents living expenses.
5. Maintain style of living for their family.
6. Provide retirement funds for their spouse.
7. Pay off their outstanding debt.
8. Pay for final expenses, including burial, casket, funeral costs, etc.
9. Provide funds for a charity.
10. Provide money for family to buy out their partner in a business.
11. Pay for any estate taxes.
12. Because rates increase as you get older.
13. Your health may change, and you may be unable to qualify for life insurance tomorrow.
14. You might die due to an accident.

These are just some of the reasons people might want to purchase life insurance today.