While many people would agree with the idea that life insurance is critical, particularly if you are raising a family, they find the entire process overwhelming and may end off putting it off.  For instance, just understanding the various types of policies available can be confusing.  There are three main types of policies available through life insurance carriers – term, whole and universal life.  Term insurance tends to be very popular with younger families, because it is relatively inexpensive and it covers a specific time period while the children are growing up.  Whole life insurance is a great way to pay off any debts and burial expenses that loved ones are left with.

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