For instance, they may wish to relocate, or your spouse may need to return to school to be in a much better position to help support the household. The majority of households have some sources of post death income besides life insurance. how long do you have to have life insurance before you die. The most typical source is Social Security survivors' advantages. Lots of likewise have life insurance coverage through a company plan, and some from other associations, such as an association they belong to or a charge card.It's simple to concentrate on those who may need you if you were to die, but don't forget to consider what funeral expenses and medical expenditures your dependents may require to take care of if you were to die. These expenditures must factor into your final estimation. Term length and coverage amount are unquestionably linked.