 Once you have somebody depending upon you for your income, let's say the Lord leads you to get married or you have a dependent of some kind, then that's the time where you need life insurance. And I'd buy term insurance and I'd get plenty of it, probably at a starting point, 10 to 12 times your income so that your wife, let's say down the road, would be able to offset the loss of your income and maintain her lifestyle at your death.