A term insurance policy builds a financial replica of you. You're going to get a large corpus usually, right? Something like one crore to crore,. It's not very expensive either for somebody who's 29. I probably have to set aside, say, 25k maximum, 2530k every year to have a policy of about 1 and a half two crores. So my family is going to get that some if they throw it in a fixed deposit, do nothing with it, nothing complicated. And you add the principal and you will see that they can still get the same kind of income that I'd be sending home, even in my absence.