Hello, my name is Vic Schumacher. The company is HPE Financial Services, and the question is: why do you need life insurance? Well, you can look at that two different ways. Let's say you're married. That's one way, and the other way, you're single. If you're married, life insurance would be required in the event that you die. Your family would have something there, to take care of the expenses, that are going to take place, the rest of their lives. If you're married, you need life insurance, so as to protect the other people, that you leave behind. If you're married, you can have life insurance as a possible investment, the same if you're single, so the question here is, why do you need life insurance? The answer, is for protection, for the people that you leave behind. The other answer is, for possible investments, and have it function as a retirement plan. Eventually, you're going to die. The question is, when, and what effect will that have upon the rest of the family, or your loved ones? My name is Vic Schumacher. The company is HPE Financial Services, helping people everyday.