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It depends on your situation. Several key questions follow below to help give you an idea of signals pointing to “yes”.
1. Are you married?
2. Own a business?
3. Dependent children?
4. Other dependent relatives? (seniors, disabled)
5. You possess a formidable estate
6. Currently have major financial obligations? (mortgage, multiple loans)
A good life insurance policy would handle the financial responsibilities you left behind so family members wouldn't be burdened. Unlike the funds from an estate, the benefits from a life insurance policy will shoot straight to the beneficiaries, without any roadblocks.
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