Household collapses if an earner dies or is disabled. Two lives now depend on two incomes; losing one is catastrophic.
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 household, continuously, and rates 5 out of 5 for the pressure it exerts.
It comes from Safety and Mortality meeting the demands of Household formation. The constants never change; the phase decides which of them presses hardest.
The market has answered it in 2 ways: Term life insurance and Disability insurance
Its neighbourhood
Everything this entry connects to directly. Click any point to follow it.
Relieved by
Every one of these is a business, an institution or a habit built on this single pressure.