For example:

Consider the following hypothetical scenarios.

Scenario #1:  Mel owes $100,000 for her California mortgage. She has a car accident and passes away. She is survived by her husband and 3 small children. She had no Term Life Policy.

Scenario #2:  Sofia owes $100,000 for her California mortgage. She, too, was in a fatal car accident. She is survived by her husband and 2 young daughters. However, unlike Mel, she did have a Term Life Policy intended to provide coverage for her mortgage.

Can you guess what happens next?

Scenario #1: Mel's husband is a construction worker making $30/hour. He just lost a full income in his household. He cannot make ends meet, forecloses on the home and moves into a small apartment in a rough neighborhood. He and Mel had already paid $700,000 on their home and they only had $100,000 left to pay. Regardless, he still owed the bank $100,000. In one moment, the lives of he and his loved ones changed dramatically. Losing a loved one is difficult. It doesn't have to be this difficult. 

Scenario #2: Sofia's husband immediately used the Term Life Policy to cover for his mortgage. He kept his home. The tragic incident did not compound into a series of unfortunate events. Sofia was prepared for her family and they were protected as a result.