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Life insurance can help your loved ones deal with the financial impact of your death. The death benefit paid from a life insurance policy is a tax-free, lump-sum amount that can be used to replace your income so your family can maintain their standard of living. The amount and type of coverage you choose will depend on your circumstances and needs.
Will your loved ones be financially impacted if something happened to you? If your answer yes, then you should think about how you can help them with life insurance. While you may have basic life insurance through work, it may not be enough to meet your needs, and your coverage typically ends when you leave your job.