I have 3 amazing sons, Richard aged 6, Ashley 3 and James 1.
Last year we all had to deal with the hardest thing possible... Nick, my husband died unexpectedly having suffered a heart attack; he was only 40.
Since then we have all stuck together and I think I can finally say that we're coming out of the other side of a truly devastating time.
Thankfully Nick had set up some life insurance when Richard was born; what I didn't know is that he had 2 policies. One was a Level Term plan and the other was something called Family Income Benefit.
I was able to pay off the mortgage with the level term plan as this was set up to pay £150,000 if either of us died before our mortgage was due to be paid off.
The family income benefit pays me £1,500 every month for the next 15 years.
I fully intend on going back to work when James starts school, this will help our financial situation greatly but while James is still young it's nearly impossible.
I have no idea how I would have coped without the insurance Nick took out.
In 2009 my husband & I moved house. The kids had (finally!) flown the nest so we decided to move to the Lake District, where we'd always wanted to live.
We took out a mortgage of £200,000 and some life insurance to cover the amount we owed in case either of us died before we paid it off.
At the beginning of 2011 the worst happened, tragically my husband was diagnosed with terminal cancer and he died only a couple of months later.
The life insurance payout I received was like a ray of light in an otherwise heartbreaking time; it made a big difference. It enabled me clear the mortgage straight away and meant that I didn't need to worry about making any future payments.
Since then I've sold the old house & bought a beautiful little cottage; I use the cash from the payout to provide me with a small income.
I can honestly say that without the Life Insurance, I would be very worried about my future.