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When you talk about life insurance, people usually think of dying. And that’s normal. Because term life insurance, is insuring an income that will otherwise disappear upon the subscriber’s death. But the details are everything in this case. The details make the difference. You’re going to have to figure out, what actually will happen after you die. How long will the beneficiaries be without an income? What’s your overall financial plan? Many have modest trust set up for their children, with a modest amount in terms of savings for their children. But not that many people actually plan these things out, to the T, as they should be, because ultimately, there will be disputes about the estate. And there will be problems arising from those disputes, amongst those in the family. It’s just common sense; it’s just a matter of being the way that all is. And you’ve just got to plan around it.