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Life insurance is the one form of insurance policy that has nothing to do with protecting you, but financially protecting your beneficiaries if you die. There are several different kinds of life insurance, but the most common are term insurance and permanent insurance.
Life insurance is important to different people for different reasons. Some people may opt to never have life insurance at all. Depending on your financial goals and family situation, your policies and premiums will differ. If you’re afraid of leaving behind a large debt or taking a safety net away from your beneficiaries, you may want to consider buying life insurance.