If the only certainties in life are death and taxes, life insurance makes a difference when these two inevitabilities conjunct. Life insurance provides for your loved ones after your death, and if the beneficiary is your spouse or a life insurance trust, the proceeds are not taxed as part of your estate.
Who Needs Life Insurance?
Not everyone needs life insurance, and needs change based on age, marital and family status and financial situation. If you’re single with no dependents and no debts, there’s generally no need for life insurance. If you have minor children or . . .

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