One of the challenges to understanding the different life insurance policies is familiarizing yourself with the terms used in the industry. When an insurance broker talks to you about life cover, they are simply referring to the amount of money that your beneficiaries will receive after your death from the insurance policy. So, the obvious answer is that if there is anyone who depends on your support now, they will need to have that support to continue in some form. Therefore, you will want to make sure that the life insurance covers that expense so they are not left with worries and grief.