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Life insurance is a solution to a specific problem: people who depend on your income. If nobody would face financial ruin when you die, a policy is a monthly gift to an insurance company; if a partner and children would, going without is a gamble with their future. This guide walks the needs analysis — dependents, debts, income replacement years — and covers the term-versus-whole-life decision that trips up most buyers.
needs analysis report
Anyone with dependents or shared debts — a partner, children, a mortgage someone else couldn't carry. Single with no dependents usually doesn't.
Term life (pure cover for a set period) is dramatically cheaper and suits 95% of needs; whole life is an expensive product that bundles investing you could do cheaper yourself.
Cover debts plus 10-12x your income (or enough to replace your income until the kids are grown) — more only if you want an inheritance.
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