When you are a small business owner, your family members aren't the only people depending on you. You have employees, partners, and all of their families that would be significantly affected if something should happen to you. Not to mention that the company that you have worked so hard to build could be destroyed. In a nut shell, that's the short explanation of why a small business owner needs life insurance. But there's a lot more to know, so let's go over the main points.

One of the biggest perks to having a full-time job with a great company is the benefits that they can offer you. In many cases those benefits include life insurance coverage. This is a great perk, and if they offer it, you should take it. In most cases it's free coverage, and we all like to get something for free right? But a life insurance policy through your employer shouldn't be the only one you have, and let me explain why . . . Life insurance policies offered through