Premature death is defined as the death of a family head with outstanding financial obligations like dependents to support. It can cause serious financial problems for the deceased's family. Costs include lost future earnings, funeral expenses, and reduced living standards. However, increased life expectancy has reduced this problem. Factors that increase premature death include obesity, sedentary lifestyles, lack of health insurance, and higher risks for minority groups. Life insurance can help families financially by restoring lost income and paying outstanding costs. Different family types have varying needs, but families with children typically require more coverage to support dependents.