I have no dependants now: do I still need life insurance?
If nobody relies on you financially, some reasons for life cover may have reduced. Other objectives can still exist, such as debts, funeral costs, partner needs or legacy wishes. Review before deciding.
My children are grown up — do I still need life insurance?
As children become financially independent, the amount or duration of family support needed may reduce. Other needs can remain, so review debts, partner dependency, funeral/legacy objectives and policy terms before changing cover.
Why do you ask if my children are still dependent?
The duration and amount of family protection often relates to how long others are financially dependent. Changes can affect future need, but do not automatically mean cover should be reduced.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026