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As the person progresses in the career of choice, then re-evaluation and upgrading of the insurance cover is done to compensate for the increased levels of income and possible losses. Marriage is usually the next step in a person’s life when there is a need for revisions of the policy’s cover and the spouse is included as one of the principal dependents along with the ones previously listed. If one wishes to maintain the amount of dependents, the cost of the policy would be higher but commensurate to the amount of protection to all individuals named as dependents. When and if the couple gets around to having kids, another need for re-evaluation is in order for usually the dependents are composed solely by the spouse and child. The extended family becomes secondary and can be removed from the policy of cover as dependents or even maintained with commensurate increase in the policy’s cost.