Even when money is short and you are going through your expenses to determine what to cut, you never want to cut out life insurance if it is truly a need for you. But, not all people need life insurance.
Life insurance is designed to protect your family and other people who may depend on you for financial support. If you die and lose your income, the people that are dependent on your financial support will lose that income, so life insurance can help cover some or all of that loss depending on the policy you choose.
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