Life insurance... boy a bit complicated to explain
When hubby or wife passed away (hate to say that!), life insurance from the job give you $ ($ taken out-some depend how much you want to, from her or his pay checks each week or bi weekly or whatever) and it help pay her/him off house, funeral fees, hospitals bills etc. And money left, save it till need it.
My husband already got me life insurance but not sure % is and my son also.
I'll Google it and post it in here for you in few minutes.