why we need life insurance + medical card + Saving ?

1. To replace lost income for your family- The most obvious reason why we need life insurance is to provide money to replace our income if we die so that our families can maintain their standard of living. Even in two-income families, the loss of one income can be overwhelming without adequate life insurance.
2. To pay medical expenses associated with your death- Unfortunately, many deaths are prolonged and a mountain of medical bills can accumulate. 
3. To pay off a mortgage or other debts- Medical bills aren’t the only debt you need to worry about. A life insurance death benefit can allow your surviving family to eliminate monthly house payments, car payments, credit card bills, or other debt obligations.
4. To provide money for settling your estate- If there is an estate to be settled, death benefits are paid immediately upon death, so money will be available to pay costs related to the estate (e.g., taxes) while it’s being settled.
5. To leave an inheritance- A life insurance policy is a great way to leave money behind for your family or for a charitable cause.  Unlike capital gains, death benefits are not usually taxable.
6. To provide for future needs of children- A life insurance policy can supply money for children to go to college. Or, in the case of special needs children, it can provide for ongoing care and living expenses.
7. To provide a source for emergency cash- Many insurance policies allow for cash accumulation, from which you can borrow. Although this borrowing will reduce your death benefit, you may want to have the option if a personal financial crisis arises.
8. To maximize your pension- When you retire you will likely be given an option to receive a higher pension in exchange for allowing the pension to stop when you die. With a life insurance plan, you can eliminate the need for an after-death pension, freeing you to select the higher-pension option.
9. To allow for business continuity- If you own or co-own a business, then life insurance that benefits the company is a way to protect the company’s future in case you die. The same issues that apply to families apply to businesses—if a vital income creator dies, there needs to be money to make up for the loss.