The short answer is everybody. Dying is not optional. Everybody will die. Making sure that you do not leave your family and friends with extra stress is important. It does not matter how old you are. Remember, people die in accidental deaths every single day. Illness does not ask your age either. Dying is a part of life. Making sure you prepare for this event is the right thing to do. The younger you are, the less it will cost.  We understand that lots of South African families have a single breadwinner. The breadwinner can cover direct and in-direct family on the same policy.