1. Cash for your family if you die prematurely.

2. Cash to supplement your retirement income.

3. Cash to pay estate taxes.

4. Cash cushion for emergencies.

5. Cash for your children’s education.

6. Cash to pay off personal obligations.

7. Cash for the continuation of your business.

8. Cash to pay your business obligations.

9. Cash bequest to your favorite charity.

10. Systematic savings plan.

11. Self-completing if you are disabled.

12. Self-completing if you die prematurely.

13. Control.

14. Flexibility.

15. Peace of mind.