The cost of individual life insurance has decreased significantly over the last few years.

Some insurance companies distribute their products through independent brokers such as Aultis Solutions and not through the traditional and expensive agency or banking system. As a result of this there has been a major reduction in distribution costs and a corresponding reduction in premium rates by many companies.

This valuable protection is designed to keep the family intact by providing an income to the surviving spouse and children. A higher monthly income is usually provided while the children are in school. It is becoming more common today where the family consists of "two breadwinners" to purchase one policy with benefits payable on the first death. This approach is less expensive than the traditional approach.

Some insurers also offer a discount if both breadwinners are insured with the same company.