When calculating a family's ongoing needs at the death of the insured, which expense is NOT considered?

When assessing a family's ongoing needs following the death of the insured, it's crucial to focus on expenses that are continuous and recurring rather than those that are one-time events. Funeral expenses are typically incurred only at the time of a death, making them a one-time cost. In contrast, utilities, transportation expenses, and family medical expenses are costs that the family will continue to face over time as they adjust to the new situation following the loss.

Ongoing needs calculations aim to ensure that the family can maintain their living standards and meet regular financial obligations. Thus, while funeral expenses are significant and must be planned for separately, they do not qualify as ongoing needs in the same manner as the other expenses listed, which reflect ongoing living costs that will persist long after the insured's passing.