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Originally Posted by abaya
Is it unwise that I am going on 29 and have never really given much thought to life insurance?
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It really all depends on your current life situation. Think of it in these terms:
If I die tomorrow, what would my loved ones need, in terms of financial security, to live with the same standard of living as they have now.
Since you and your husband have no kids, then life insurance may not be important for you to own. However, if you own a house with your husband, and he needs your income to be able to pay the mortgage, and he definitely wants to keep the house after you die, then perhaps you need to take out a small policy to cover those expenses.
For those who do have children with mortgages and little savings, it is wise to have life insurance to protect the family.
BTW: I used to have a license to sell life insurance, so if anyone needs advice, I will be happy to help.