Which policy allows the breadwinner to provide financial support to the family with guaranteed whole life coverage?

The choice of a family income policy is appropriate because this type of policy is designed specifically to provide financial security to the family of the breadwinner in the event of their death. It combines a whole life insurance component with a term component. The whole life aspect ensures that there is a guaranteed death benefit that accumulates cash value over time, while the term portion provides a set income to the beneficiaries for a specified period following the breadwinner's death.

This structure is particularly beneficial for families, as it provides immediate financial support to cover living expenses and maintain their standard of living during a potentially difficult time, while also ensuring that the beneficiaries have long-term financial protection through the whole life aspect of the policy. It aligns well with the goal of providing support precisely when it is needed the most, thereby offering peace of mind to the breadwinner.

The other options do not convey the same level of targeted financial support as the family income policy does. A joint life policy covers two individuals and pays out upon the death of the first, but it does not ensure ongoing income replacement for a family. A family maintenance policy offers coverage in a different structure, often focusing on maintaining a standard of living but not specifically providing guaranteed income. Meanwhile, a family policy typically combines