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You need to get Insurance cover, if you know that you are the only source of income for your family. There could be several reasons too for life Insurance cover. Your loan/ mortgage payments, your wife/ spouse and children, your business, pension, etc. These are some reasons why people opt for life insurance. Unless you have a valid reason to insure your life, don't do so. It is important to know that a life insurance policy will simply ensure your family spend their lives in relative comfort. You will have to define your objectives before you go for an Insurance cover.

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