The purpose of life insurance is to provide funds to satisfy a need for your heirs if something unexpected happened to you. How long could your family continue without you. If you are the primary breadwinner and were to die tomorrow, is your spouse capable of replacing your income? And even if your spouse can replace your income by returning to work, would they be able to keep the family home? Would they be able to afford the added expenses of childcare? And, will they be able to continue with other plans such as retirement funding or college finding?