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They won't get life insurance if they aren't earning. Life insurance isn't an earning scheme.
No offense but this post is horrifying to think irrespective of its concerns.
The product of your requirement is extremely rare. It’s time for you to buy an insurance for yourself/ spouse (if applicable) before it’s too late.
Insurance is not an investment, but only an assurance to help the dependents in the absence of salary of the bread winner.