Sometimes, when dealing with insurance, you have to think about the less paletable aspects of life. Building an insurance programme is all about asking "What if" and making sensible arrangements for those major unexpected events.
With more and more of our lives being digitised and held online or behind (hopefully) secure passwords, what happens if you or someone close to you dies? How can you easily access this important information?
You might want to take a look at a newly launched service called Planned Departure who can provide a facility to meet this need.
You buy insurance to reduce the stress at times when disaster occurs, so why not reduce the stress of those left behind when the ultimate risk strikes?