It is a contract whereby the insurance company guarantees the payment of an agreed-upon financial amount to the beneficiaries of the life insurance contract as a result of death of the insured.

It can extend the coverage to include the total disability, partial disability or pension according to the wish of the insured and the policy of the insurance company.

We study the optimal program for the insured, commensurate with the age of the insured, the age of the children, and the financial capabilities to obtain appropriate financial limits that ensure the continuity of the life insurance contract with the least possible exceptions.