Let me ask you. What usually comes in to your mind when you hear the phrase income replacement? Do you think of another work to replace your current job? Do you think of other person to replace you? Or do you think of a magic pot full of gold?
Income replacement is more than those. Actually, income replacement is what we usually term as insurance.
Accept it. DEATH is the most certain event in life. It is not a question of "What if I die?" but a question of "When am I going to die?"
You don't have to fear death. It is just our gateway to be with God in eternal life. The only time you fear death is when you are not able to live by God's law. Many will rebut about my discussion on wealth and God's law. But let e ask you, "Is your misery caused by God? Do you think God wants you to become miserable? Do you think God doesn't want you to become wealthy and to enjoy life?"
Here is a trivia. Did you know that leaving an inheritance to your family is a responsibility? "If anyone does not take care of his own relatives, especially his immediate family, he denied the Christian faith and is worse than an unbeliever." - 1 Timothy 5:8 God also wants you to take care of our family. And taking care doesn't only mean while you are still alive. The best care you can give your family is when they can feel your presence even if you are physically absent.
Always remember this. "The amount of insurance coverage you have simply reflects your love and affection for your family."