If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.
The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.
If there is anyone dependent on your income - parents, children, relatives - you need life insurance.
Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe.
Structured settlements are a common way for people who have been injured to receive an insurance payout. The periodic payments provide ongoing income and reduce the risk of blowing a lump sum through poor financial choices.
I love the Roth IRA. Tax-free income in retirement is a truly great deal.