might be the most morbid part of personal finance, but it's also one of the most important. No one likes to think about dying. But if you have anyone relying on your income, it's imperative to plan for every worst-case scenario.
The second scenario where you might consider skipping life insurance is if you have enough savings and investments to self-insure. That means you have enough money that your family would be fine even if your income stopped right away. But don't underestimate that number.
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