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Life insurance can be a tool to ensure financial security against life’s uncertainties but vigilance is the key to having ample and insufficient cover. Every year the policy’s are renewed, there should be reviews to account for more or less need for coverage (say a child who has gone off to start his own life, a daughter who has married, etc.) which makes the policy relevant and useful. Today’s challenging financial times are a true test of will and determination and keeping policies relevant is one challenge and so is maintaining its usefulness. Time will tell if the policies you took and pay for are worth their weight in gold but having them is better than having none for life truly is uncertain and it can end so suddenly in the blink of an eye.