<prompt> Human: My SO and I bought a house last year 2014 and hope to get married in our backyard next year2016. I am 33 years old and with all the additional responsibilities in my life, I feel terrible that neither of us have any life insurance. To top it off, a woman who works for the same school board I do was killed in a car accident recently and now I am freaked out. The problem is that I have no idea what to look for in life insurance, can anyone give a quick crash course for me? I live North of Toronto, Ontario if that matters. Thanks reddit!  <response>: Of all the life insurance products out there, term life is the way to go. This is how one should think about life insurance: Its something you need if: You have dependents i.e. children, stay at home spouse who depend on your incomeSo if you have no dependents, you do not need life insurance. But if you do have dependents, then it is a good idea to get term life insurance coverage until the day your last dependent leaves you. Check out Term4Sale This link is also provided in the FAQ under insurance section. They do not endorse or sell term life insurance but rather provide a list of companies that do offer insurance policies depending on your requirements. 