Do I need life Insurance after getting married? You may need life insurance, it depends on your personal situation. Does your spouse work? You have have monthly expenses for which you rely on both incomes? How much debt do you have? Do you have a child? It depends on your total debt, assets, savings, monthly expenses, lifestyle, financial responsibilities, etc. However, many people buy life insurance after getting married because they want to make sure their spouse is financially secure if they were to pass away unexpectedly. Learn more about buying life insurance after getting married.