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Allows loved ones to focus on their grief by helping to pay for the funeral and other final expenses.

2.  Provides a fresh start

Lets loved ones start with a clean slate by helping to pay off credit card bills, outstanding loans and even the mortgage.

3.  Generates income

Helps replace lost income for years to come so that surviving family members can continue to pay for life’s necessities.

 
4.  Offers flexibility

Gives a surviving spouse the chance to take time off from work or to switch to a job that offers a more flexible work schedule.

5.  Creates opportunities

Can provide funding to start a business, or pay for schooling so surviving family members can train for a new career.

6.  Funds the future

Offers a way to fund longer-range goals like a college education for the kids or a secure retirement for a surviving spouse.

7.  Leaves a legacy

Gives parents the chance to leave future generations with the legacy of long-term financial security.