I memorize that when I was young, I saw my first cousin struggling throughout for an easy life. That was because my uncle had never invested in any of the life insurance policy because they were not very good in their business. They had to face many problems in their day to day necessities of life. Life was going on for them, and then finally when they settled in life, it was too late for my uncle to invest in any of the life insurance policy because he had expired. But fortunately till that time, my cousin was financially independent and he invested in the life insurance policy so that in future his children need not have to face the same struggles in life in future