Anyone that is responsible not just for themselves but responsible for someone else. This can be a partner, a child, or a relative that is financially dependent on you.

If you have a mortgage, it also makes sense to get life insurance for the primary earner. If you both contribute equally to a policy, it makes sense to get life insurance for both people.

If you have a business with a business partner, you should consider life insurance. This can also be included in a scenario where someone is “dependent” on you.