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Once your children have moved out of the house and are on their own, it is time to think about you. After years of making the kids and family your top priority, you can focus on your "for me goals." Your "for me goals" may include remodeling the house, buying a boat or vacation home, starting your own business, or a myriad of other interests. Even when you're an "empty nester", the reasons that caused you to buy life insurance originally may not disappear. You may still have financial obligations such as a mortgage, car payments, or health care. And you may still have those obligations should something happen to either of you which is why sufficient life insurance coverage is so important.