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Life insurance is a contract between an individual and an insurance company in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured. The individual pays premiums to the insurer in exchange for this protection.

Life insurance can provide financial security for your loved ones in the event of your untimely death. It can help to cover expenses such as funeral costs, outstanding debts, and living expenses for your dependents.

The amount of life insurance you need will depend on your specific circumstances and financial responsibilities. Factors to consider include your income, outstanding debts and mortgages, funeral and burial expenses, and the financial needs of your dependents. It is a good idea to speak with a financial advisor or insurance professional to determine the appropriate amount of coverage for your needs.