Edward: You’re now responsible for another person. If you were to pass, can that person survive without your income. You want to make sure that you keep them as the way they were as when you were together that that same income is flowing in every month. You also probably picked up a mortgage.
Edward: You both signed for the mortgage. If one were to pass, the other person is still responsible for it, do they have the income? If life insurance is in place, that income is protected and replaced as part of the policy.