Life insurance is a purchase that many people make when they are facing illness or even when their family is expanding. Affording loved ones a safety net is something that is often prized and in the event of some tragedy, there is some financial help in the form of a life insurance policy. It can be debated whether it is a vital part of monthly expenditure or an unnecessary cost. However, there is a time in life when it becomes an absolute must have and that is when a serious, life threatening illness prevails. There are many ways to approach this subject , undoubtedly, the best way is to face it in a practical manner. So read on, put emotion aside and work out which is the best option for yourself or a person you are close too.