Life insurance plays a critical role in professional financial planning. One of the key elements of financial planning is to look at “What if?” scenarios. Unfortunately death is one such scenario that needs to be considered. However life insurance can provide security against a range of challenges in the event of death. None of us want to think about the impact on the lives of those close to us in the event of our untimely death. However this is something that needs and deserves careful planning. One opportunity we all have is to ensure that financial stress is not added as an additional burden at this very difficult time.