There is no certainty to life of a person, and with this he has to take precaution in life. There is Critical illness cover which gives large sum amount to the person who does not die, but suffer from critical illness.  Critical illness is just like death, wherein the person suffering from this illness, cannot work because of his illness thus, this policy gives him a sum of amount, to make his life easy. For example the stroke victim, survived during his attack, but now cannot work, thus this policy would give him the regular money to this daily living and to his family.  Thus it depends from person to person where and how the coverage is to be given on the basic of individual needs.