Family with children
There are two cases for term life insurance for married couples:
Main breadwinner / main breadwinner : The benefits from AHV and occupational pension schemes are seldom enough for the surviving parent to maintain the family's previous standard of living if the majority of the income was generated by one person. Term life insurance covers this gap in an emergency.
Family manager : If something happens to the person taking care of the children and the household, the widowed main breadwinner cannot immediately resume work, as childcare and household care have to be organized. This results in financial losses.
The risk insurance helps to cover the living costs of the surviving dependents or to pay for their training costs. So you are best covered if both parents are insured.
Unmarried couples (cohabiting)
Unmarried persons do not receive any widow's or widower's pension from the AHV. The pension funds (BVG) also only pay under certain conditions. Since cohabiting partners also have no legal inheritance claim, things can quickly become financially tight for surviving dependents without insurance cover. Life insurance also protects life partners without a marriage license.
Since single mothers or fathers bear all the financial responsibility, the consequences of their failure for the bereaved can be particularly serious. A life insurance provides for this case by using the children as beneficiaries.