• Parents who want to make sure their children are cared for
• Those with debts they don't want to pass on to loved ones
• People who want to lock in a lower insurance rate while they're young
• Homeowners who want to make sure their family can pay off the mortgage if they should die
• Families who rely on a stay-at-home parent
• If you have a life insurance policy through your employer, because your policy does not go with you when you switch jobs
• Entrepreneurs who want to protect their business
• Those who want to leave a legacy for their children and grandchildren
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