There is nothing more devastating to a family than the loss of a loved one. Compounding that loss is the loss of that person's income. Life insurance is used to provide not only a sum of money to keep the family and home together, but can be used to provide an income stream to the surviving spouse, pay for college tuition, and can retire the mortgage on the family home.

People also use permanent life insurance as a means of accumulating money through cash values for their own use in later life.

Whatever its purpose, life insurance protects against financial difficulties. It can be a fundamental part of a sound financial plan.

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