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Think Twice Before Skipping Out on Life Insurance!

Life insurance policies can cost from a couple hundred to a few thousand dollars per year, and you may just think of them as another bill to pay. You may assume that you don't need life insurance, but your assumption may be wrong. Read through to see why getting a life insurance policy might be a good idea for you.

Individuals Considering Having Children or With Children If you are thinking about having children, it's time to start thinking about a life insurance policy. Once you start paying the premiums, your children will be in line to receive the death benefits if you were to die. They are entirely dependent on you if you are the breadwinner in the household. Even if you feel invincible because you are young, nobody is immune to tragedy.  Plus, your premiums at a young age are lower than your premiums will be later in life. Couples Without Children If both couples are working and either could be self-sufficient if the other one's income stopped coming in, a life insurance policy is not necessary. If a single income due to the passing of one spouse would cause severe financial hardship, you should probably consider purchasing a life insurance policy. That would allow your spouse to continue to work at his or her job while receiving the payouts from your policy should something happen to you. Single Adults This one may be surprising, but single adults without children may want to consider taking out a life insurance policy. The policy can pay for your funeral costs should something happen to you. A policy can also provide for your dependents if you are taking care of an elderly parent or another person that relies on your financial contributions. Retired Adults You probably don't need a life insurance policy if you are not working and nobody is depending on your income to stay financially secure. You might need one if you have dependents. Life insurance isn't just for working individuals with dependents. It can give you security in other situations, too. Nobody wants an extra monthly bill, but life insurance may be worth the cost for you.
Shawna Kreis
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