Loved ones have to carry on no matter what happens
We tend to get comfortable with our current standard of living and take our income earning ability for granted. However, the lifestyle that we enjoy now could easily come to a rude and abrupt end once the income source is disrupted due to death, disability or a major illness.
You may not be able to predict the future, but you can be prepared for it. Protect yourself and your loved ones now from a painful fall in living standard.