Why do people own life insurance? 

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There are many answers to this question, but here are some of the most popular ones: 

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Daily Living Expenses - Life insurance proceeds help your family maintain its current lifestyle.  Bills for medical expenses, food, utilities, car payments, education and other necessities can be paid with these funds. 

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Home—Mortgage payments don’t end when you die. Life insurance helps pay the monthly mortgage and allows your spouse and family members to live in the house and maintain good credit.

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Business—If you own a business, you might want to insure the lives of your key employees or use life insurance to fund a buy-sell agreement. The death of a key employee could disrupt the success of a business.

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The need to protect our family seems obvious, but how do we improve the chances of protecting them? Life insurance is often the most important love letter any person can give to another. Life Insurance is an efficient financial instrument that does the right job, at the right time.