Are you sure that if you die today your family will be able to survive and enjoy same life style that they are enjoying now ?  All the capital expenses like your children’s education & higher education expenses, marriage expenses and all other type of expenses will be mate properly?, your wife will not have to look here and there for meeting these responsibilities and day to day expenses?, All your loans and liabilities will be paid of immediately?

Yes or No?

Most of the people don’t have clear answer about this.