When you have a family, your life changes. Instead of thinking only about yourself - you're dedicated to looking after your family and their requirements. Your days become busier and your salary has to stretch further. Like many busy parents you may take your health for granted while caring for your family, however it’s wise to be prepared for the unexpected.
You most likely have mortgage protection to clear your mortgage, but have you thought about how your family would cope with the other outgoings if you became seriously ill or died prematurely?