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For a person that is starting out, the most important that would need is an emergency fund equal to six months worth of basic living. Having this would help you pay for your debts and plan for retirement. Once you start a family, the insurance changes. You need to start buying family insurance, also you gotta make sure your children are insured too. Once you retire you don't really need insurance except for the basic one. Your life is worth more than anything else.

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Life insurance is not really needed or required for a person. The one time somebody would need life insurance is if that person financially supported other people or person. Here are some the things someone would have life insurance.

Pay for funeral costs- Usually when a family member dies, that person would get life insurance to pay for the funereal cost.

Help pay the bills and meet ongoing living expenses- If the head of the family died, he would have life insurance to help pay off the bills and debts.

Pay off outstanding debt, including credit cards and the mortgage- As I said before if the head of the family died they would have insurance for it.

Continue a family business- Some people would have a type of insurance that would protect the business in case of an emergency.

Finance future needs like your children’s education

Protect a spouse’s retirement plans

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When someone develops a long term illness or if they can not work for a long time, they should get long term illness. Thus covers home-health and nursing care.

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people who get injured or want to make sure they have an income when injured should get disability insurance.
1) Cancer- While not many people will get cancer, its still a disease and u need life insurance to help you with the bills.
2) Risky Work- While some people have good stabler jobs. others have some risky jobs and disability insurance would protect you.
3) Family- If your the main provider for your family, you should have disability insurance for cover.
4) Predisposed Condition- If you know you have a condition that can keep you out of work, you should get the insurance.
5) Emergency Funds- Even thought you should always have an emergency fund, if you do not you should insurance in case something happens.

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1) You should get the basic life and health insurance. The reason is because since your fresh out of college you do not really have an emergency fund and you don't have a family.
2)  You should get Disability insurance since your older and you are the head of the family. If something happens to you, your family is covered.
3) You should get Long Term Insurance since you are a senior citizen and you are more closer to get an illness.