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Do I need life insurance, which one should I choose, and why? Do I Need Life Insurance? If anyone is depending on your income or if you have obligations (debt, mortgage, etc.) that would fall to someone else to handle if you were to die, then the answer is, "Yes." Life insurance acts as a substitute for income. For the potential risk of losing that earning power to protect and cover your loved ones. What is Term Life Insurance "Term Insurance is pure protection, like fire ins

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