Well life insurance is an opportunity to provide some liquidity to the estate. Many times for individuals with minor children there’s a need to provide the surviving spouse with an income source or provide money to get kids through school. And then, down the road life insurance can be a great strategy to plan for estate tax planning. So if there’s a transfer tax that’s levied on an estate life insurance is an opportunity to have liquidity that will come in and satisfy that tax and then still have the estate assets go to the family members without having to sell those.