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When Dave Myers joined J. Francis Co. in Pittsburgh, the company had no job descriptions. “Everything was loosey-goosey,” he says. But after several peer review meetings, one group member told them to get serious or get out. “We were in business 14 years before we wrote our first job description,” says Myers, vice president and general manager. And it proved more difficult than he imagined.

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There are exceptions. If no one is financially dependent on you, and all potential liabilities are covered in the event of your death, such as funeral expenses or mortgage payments until the house is sold, then you may not need life insurance. However, even if you're beyond child-rearing and income-earning days, you may need coverage for one or more of the following reasons.

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A completely redesigned Chevrolet Malibu mid-size sedan was introduced for 2008, but the old version of the Malibu soldiers on, as the 2008 Chevrolet Malibu Classic. The Classic comes in one streamlined trim, with the 219-horsepower, 3.5-liter pushrod V-6 engine and four-speed automatic transmission.

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