Is it important, something you definitely need or is just some profit for the insurance company like the banks?
Do I place my life into the hands of banks if I apply for life insurance?
What do I gain by applying for it?
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We all die, and not even dying is free. Personally I think it's worth it because upon death they freeze all bank accounts tied to you so your spouse and kids may be lacking funds. I'm no expert though...everything is a money maker for the banks, even your death.