Insurance to cover your death is often the most difficult to talk about. It's tempting to think it won't happen to me but that could leave the people you want to protect in difficult circumstances.
To answer "Why do I need Life Insurance?" ask what would happen tomorrow if you passed away. Any joint debt would still have to be paid by your partner, with reduced household income. Any sole debt would have collection agents wanting to take money from your estate to repay them. The mortgage either has to be paid or family move out to the smaller place.
All of this for your loved ones to deal with whilst as well as the loss of you.
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