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Needs created by premature death. Number one final expenses medical funeral expenses installment credit. Number two survivor protection maintenance income for the family and continuing income for a spouse, the family ___ appeared generally produces the greatest income needs. Three, estate creation would include paying off long term loans and such as mortgages and other long term obligations, life insurance can, can create an immediate estate. Four, education expenses for children and spouse in event of the premature death of a bread winner. Five, estate protection maybe needed to protect the estate from income inheritance and estate taxes, life insurance can provide the families with needed liquidity to meet these obligations.

Life insurance, formal plan. One, fix payments at specific times. Two, cost to certain ___ equitable. Three, premature death and certainty removed.

Insurance plan for spreading risk of possible financial lose over a large number of people, cost to anyone person is small.