Ralph gave different groups of people that would benefit from having life insurance.
Singles: biggest need would be burial expenses. Rates are cheaper and can get extra coverage every three years.
Married: Also would pay for burial expenses but more importantly would provide income for spouse and young children living expenses including mortgage payments.
Coverage can be reduced for life events such as divorce, grown children, paid off house, retired.
Give Ralph a call if someone you know has had a life event change and needs to re-evaluate their insurance needs.