Life covers are often seen as a way of helping a persons family when they are no longer alive. Often the money is left for their children's education and taking care of the kids generally. Most of the time though the money, is seen as being abused by greedy family members and kids are left just like that. My question is, do we really need to have them. The only people that tend to always have your kids best interest at heart are the grandparents only, as old as they are, should they be the ones put in as beneficiaries instead of aunts?