Not dealing with it or pushing it to the back burner is not going to make it any easier.
The core concept is easy: You agree to pay a certain amount of money to a company, in exchange for the company’s obligation to pay out a lump sum of money to your designated beneficiaries in the event of your death.
To understand if you need coverage, ask yourself a basic question: If I were to die now, would anyone suffer financially? To pinpoint the coverage amount, go online to lifehappens.org and use their free calculator. You will be prompted to plug in the variables that apply to you, like how much money you spend monthly, how much you have already saved, how much coverage is already in place, and the amount of debt you want to pay off.
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