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Always bear in mind that, although your spouse/partner might be the main breadwinner, there will still be a financial shortfall if your salary had to fall away overnight. Should you become disabled, fall severely ill or die, your partner will be short of your monthly contribution. Both partners in a relationship should therefore have life insurance cover.
Even if you are in a relationship where your spouse or partner does not work, you might think that it is not necessary for life insurance cover for him/her, but think again! If your partner, who was perhaps looking after the children after school, was not there anymore, then you will have to suddenly pay a fee for aftercare. You can apply this to transport of dependants as well, perhaps your partner transports the children from and to school.
You should also place a value on these non-financial contributions made by your partner.
This life is often over in an instant…don’t let your instant become a lifetime of sorrow for your loved ones.
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