Your human life value increases with your responsibilities. Say for instance you are a successful business man or a farmer. As you grow financially, your life adds on value. You add value to yourself, your family and society. Meaning you need more financial cover. You may have borrowed money to set up or run your business or farms. Think of repayment when you are working for your business and think of repayment these loans in the event you are not there! It is your responsibility to cover yourself with enough amount of cover to be able to pay off all the debts you have incurred even if you are not there.