In most cases, yes. At the very
least, if your spouse contributes to the family's annual income then adequate
protection would be needed to supplement his or her income should he or she
die. If your spouse does not have an income but is a homemaker, then life insurance protection
may be needed to cover daycare and other costs associated with the loss of a
parent. Use our life insurance needs
calculator for additional help on estimating the amount of life insurance
your spouse needs.