When your children continue on without you, how can you help them? How can you be there for them when you can’t physically be there? We’re of course, dancing around the very real possibility that you could pass on without your children, that you could either pass on by some freak accident, or pass on in some set of events that made your demise rather predictable. When that happens, what you really ought to have in place is a financial plan that at very least illustrates your intentions for your dependents. These folks could be your children; but they could also be your parents, who are elderly and not physically able to fend for themselves. Life insurance is a big part of your plan, eventually. Because, ultimately, insurance is a way of getting through the rough patches that tend to put a damper on your financial operations. “Financial operations” needn’t apply only to the wealthy.