Commodity trading forex online – Neither is his being married, provided his wife can earn her own living if he dies.

But a father, not owning much capital, may justifiably feel that life insurance is necessary as a safeguard for completing the rearing and education of his children. When children’s schooling has ended, insurance on the husband-father’s life again becomes more questionable. For a couple with substantial capital available for whichever spouse survives the other, the need for life insurance is reduced or eliminated. On the other hand, when a married couple have reached middle age with little or no savings, life insurance may still be needed. Whether it can be obtained then at a reasonable cost is something else. An unbalanced pension plan may be improved by life insurance in middle age.

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