When Do You Need a Will? When do you need a will? The answer is easy: Right Now. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Filing Final Tax Returns for the Deceased The federal government requires deceased individuals to file a final income tax return. The Pre-Retirement Checklist This checklist can give you a quick snapshot of how prepared you are. A Look at Whole Life Insurance Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.