How do you know how much life insurance is right for you—and is there ever a time you’ll stop needing it? ‘Term’ life insurance is designed to provide coverage through specific seasons of life, and any needs you may encounter during that time. But your family’s situation changes over time, and what you need at 25 is different than what you’ll need in retirement.

On this episode of Money Talks, financial advisor Dan Joss helps us unpack why insurance isn’t something you should just automatically buy—but “explore, consider and evaluate.”