It is something that people don't want to think about. What if...something happens to the family breadwinner? What then? There are bills to pay and mouths to feed. This scenario is much bleaker if there was only one income in the family. That's why it is very important to have life insurance for the breadwinner. One kind of affordable life insurance is term insurance. It provides coverage for a limited period of time, the relevant term. After that period, the insured can either drop the policy or pay annually increasing premiums to continue the coverage. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is often the most inexpensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis.