A whole family should not depend on only one life insurance policy for two reasons: - The life insurance policy will terminate upon the death of the primary insured, and then all additional insured people will no longer be covered then. - When having more than one person insured to a life insurance policy, the premium allocation is skewed towards additional insurance riders, thus affecting the policy's refund value, making the total payout amount often less than the entire fee paid during the whole. Therefore, it is ideal for separating each person into an independent contract with full insurance benefits. However, we know that many families can't separate a contract for each person. They often want to buy the whole family of 3-4 people under the same contract to save costs, which makes the compensation value of the insurance package low when the insured event occurs.