If you were to take a look at the financial products available to you, you would find products that post stock market risk like: 401k, mutual funds, and traditional IRA's. On the other hand, you have financial products with very little interest gained like CDs or Savings Accounts.
But, what if there was another product that could give you gains, eliminate all stock market loss, provide you living income in case of illness, and pass down income to your family in case you walk out of life? That product is Life Insurance.