Consider adding some breathing room coverage to the burden component of your life insurance. If you're a parent or guardian, your death obviously will leave a void beyond the bills you pay each month. Your family can't spend their way out of this void, of course, but leaving them breathing room money could give them the flexibility they need to more successfully cope with your death. The long answer is a systematic response to the matters raised in the Real Short and Short answers. By reviewing your assets and liabilities, including insurance, you can better understand the financial implications of your death.
Worst case means just that.
Assume you were to die tomorrow. Assume no one will be able to financially shoulder the obligations your death will leave. This might mean paying off all debts, including auto loans, credit cards and home loans. You may have seen those stories that say it costs millions to raise a child to the age of 18. Clearly, you need more insurance protection when your family is younger.