Once you pay off your current expenses, the money that is left over goes towards saving and investment. This is how you hope to secure your family's present and future. Keeping inflation and rising expenses in mind, it is difficult to be certain that you have put away enough to ensure your family's financial security.
You may be actively investing to meet your future goals. However, in case of premature demise, these funds are likely to be liquidated or withdrawn so your family can continue meeting their needs at the moment.
Even the best investments cannot help in case of untimely demise. This is where a traditional savings plan that marries insurance with investment / savings comes in - not only will you be saving, but you will also have the peace of mind that your family will be taken care of even in your absence.