When is life insurance necessary?

I would say when you die its very necessary for the family/next of kin, so they can pay all your funeral cost and bills you have left.

ANSWER:

Today's life insurance will pay benefits not only at death, but also in the event of illness, accidents, job loss (see life insurance with mortgage protection feature, disability benefits, etc).

Talk to an experienced agent to help you choose the most comprehensive protection with living benefits, not just death benefits.