Insurance is become a need of our life. Term insurance has partner to share risk and protect you and your family. Buying an insurance policy was the choice, however today is has become a necessity. Why a need to buy insurance. Our life style and need are change. Some of reason to buy term insurance like, Nuclear family structure, Higher stress levels leading to chronic health issues, one earning member of a family, Increasing number of road accidents. So Term insurance keep you away for this problem and stay happy.