NEED OF LIFE INSURANCE

In case of a human being, death is certain, but the time of death is uncertain. The person is insured, because of uncertainty about the time of his death. In the case of person who is terminally ill, the time of death is not uncertain, through not exactly know. It would soon. He cannot insure. Risks arise because there are needs to be fulfilled. The risks attached to early death arise because of need to maintain the family that is left behind. If there were no needs there would be no risks.