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With life insurance you are protecting yourself from the financial strain you or your family will be put under in the event of an unexpected illness or death within the family.
In some peoples views this is not a direct plan for death but instead a wealth optimising tool.
It guarantees to leave a better standard of living for a family after a leading member passes away, consider a young family with three young children who's parents have a mortgage, a car loan and personal loans, and although this is manageable for two parents together, if one was to suddenly pass away how would the remaining parent cope with all these payments and a family?