Do I need life insurance in my estate plan?

It depends on your circumstances. Life insurance is valuable if you have dependents, debts, or want to provide quick, tax-free cash to your family after you die. It can cover funeral costs, replace income, or provide liquidity to pay estate expenses. If you're single with no dependents and few debts, you may not need much or any. Think about who relies on your income and what they'd need to stay afloat.