Life insurance can be a tough subject to talk about, it is hard to imagine not being there for your family. Unfortunately, bad things happen all the time. If your family was suddenly without your income their standard of living could change drastically. A term life insurance policy would help protect their standard of living in the event of your premature death.
The policy death benefit may be used for:
Final expenses, such as funeral costs or medical expenses
Income replacement, to help pay for mortgage payments, clothing, food, etc.