Life insurance helps provide financial security for your family and supports the lifestyle they depend on. It can be used to cover expenses such as funeral costs, housing, medical bills, education, debts, and other financial needs.

A life insurance policy works like other types of insurance. You choose the amount of coverage and the length of time you need it, then make regular premium payments. Payment options may include monthly, quarterly, or annual schedules, depending on the policy.

If the policy is active at the time of death, the listed beneficiaries receive the death benefit. In most cases, this benefit is paid as a lump sum.

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