: To cover funeral and burial costs (median cost ~$8,300) without burdening heirs. Buying Life Insurance For Someone Else | John Hancock

: To fund buy-sell agreements or protect the company if a "key person" dies.

: To replace lost income and cover future costs like college tuition or childcare.

: To ensure a spouse or partner can maintain their standard of living and pay daily expenses.

: To cover the significant cost of replacing services like childcare, cooking, and household management .

: To ensure continued care and financial stability for elderly dependents.

: To protect parents or partners from becoming solely responsible for co-signed private student loans or car notes.