Final answer:
Life insurance is the necessary form of insurance if anyone depends on your income, as it provides financial support to dependents after the policyholder's death, unlike PPO or HSA, which relate to healthcare expenses.
Step-by-step explanation:
If anyone in your life depends upon your income, you would need life insurance. Life insurance is designed to provide financial support to your dependents in the event of your death. It ensures that your family will receive a sum of money to cover living expenses, debts, and other financial needs that your income currently supports. In contrast, a PPO, or Preferred Provider Organization, is a type of health insurance that provides flexibility when choosing doctors and healthcare providers. An HSA, or Health Savings Account, is a savings account that allows you to set aside money on a pre-tax basis to pay for qualified medical expenses. However, when it comes to providing for dependents after one's death, life insurance is the appropriate choice among the options listed.