Even beyond the living benefits, the face amount of the policy, is equally important. Even if it is a topic that your family does not like to discuss, you still need to address it. Aside from the void that is left in your family once someone is gone, your family loses their ability to maintain the family's standard of living. Many forget about this. Just paying off the mortgage, covering burial expenses and a little bit of cash in the bank is not enough anymore. Most likely, your income covered more, such as food, clothing, education, and maybe some family entertainment every now and then. All of that will be gone if you do not do the proper steps to plan. The planning will allow your family to continue with all the things they enjoyed.