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If your income depends on the people, for their life insurance can replace that income if you die. The most commonly recognized case of parents with children. However, couples in which the survivors will be financially stricken by the income lost through the death of a partner, to apply to the dependent, such as father, brother or adult children who are financially dependent on you as an adult. Insurance to replace your income to your surviving spouse or domestic partner or assistant, if the employer - sponsored benefits after your death will be reduced.