The children must be provided for if a parent dies. Dependents change what death costs.
This is a need. Something a person cannot ignore. Non-negotiable, usually urgent, and the most reliable foundation for a business. It is felt by the parent, continuously, and rates 5 out of 5 for the pressure it exerts.
It comes from Mortality and Safety meeting the demands of Parenthood. The constants never change; the phase decides which of them presses hardest.
The market has answered it in 4 ways: Term life insurance, Disability insurance, Wills and estate planning and Guardianship designation
Its neighbourhood
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Relieved by
Every one of these is a business, an institution or a habit built on this single pressure.