All of us make an effort to make our future secure. A lot more than that we all make an effort to make our family`s future secure. Though we have been leading a peaceful and well settled life sometime we get awed by the unseen thought that if some untoward eventually us and our happy and secure family may come on the road. To believe negative is not an excellent habit but so many such incidents happen before us every day that people can not avoid considering ourselves and get worried. So, to guaranty our and our family's future we go for life insurance policies. But, here comes the question as which policy is affordable for us.Before speaking about affordable life insurance coverage policies it is necessary to first categories the portion of people for whom the policies are meant for. Normally, you can find three parts of people in our society i.e. rich, middle income and poor.The indegent sections are satisfied if they obtain daily meal, some clothes and a shelter. They earn on daily basis and purchase daily food for the family. They can hardly consider their future security. Further, they're not so aware about life insurance policies. If they're little bit literate they keep some saved profit the bank.In a middle income family the main income source is job, agriculture or small company. The middle class folks are the most aware about life insurance policies as they feel not safe about other investment policies. Nowadays, almost all the developed members in a middle class family are well educated and earning either taking job or various other fields. So in such cases it is easy to take affordable life insurance policies for them. They should prepare a monthly budget of all the essential expense. Suppose an individual can save Rs 2000/- monthly he then can choose Rs 12000/- half yearly premium policy. After deciding the quantity of premium as how much you can afford it really is to decide as which type of policy you need to go for. On the market there are so many types of policies like critical illness cover, accident cover, education, to protect the assets etc. So we can decide as which one suits us. Normally, only the top of the household worry to choose life insurance policies. But if the children may also be working or earning it is better if they can also choose such policies according to their income.As the rich section of people has big properties vast empire of business they normally have their very own consultant for investment. Still, it is better to allow them to insure their property buy life insurance policies for self and family to guaranty a secure future, as no-one knows what happens tomorrow.As we know that the amount of premium of life insurance policies is exempted from income tax it is always wise to calculate the tax prior to going for the policies. This will do double profit of tax saving and a secure future aswell.Authority Site About Insurance, LIFE INSURANCE COVERAGE Rate Comparison [1] and Discussion Of How Much Coverage You Need With Free Life insurance Comparison.