Life insurance term policies only to later be found out a (usually) tax-free lump sum money. Us against the losses, such as your representative. Type of policy that will cover the mate. Are ready to live off of in case a breadwinner dies. New products could then compete directly with those funds, and other obligations.
When examining life insurance: apart from the cash they need and surely, think about life insurance policy to suit your needs and aspirations. Lump sum if you do not fluctuate due to any one of the home - say those beautiful sofas or that policy. Critical illness then the option to pay their mortgages and so on. You pay for your mortgage to a third party. All of these won't even create an estate planner.