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== What Is Life Insurance? == '''Life insurance''' is a financial contract between an individual (the policyholder) and an insurance company. In exchange for regular payments known as '''premiums''', the insurer promises to pay a '''death benefit''' to the beneficiary (usually a family member or loved one) upon the insured personโs death. At its core, life insurance is a protection tool โ ensuring that your family or dependents are financially secure even in your absence.
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