Getting a life insurance is VERY important, even health insurance, Home insurance, Car insurance or any insurances that can help us especially in times of need. Accidents and incidents happen in a snap and if we don't have insurance, who will help us to pay those unexpected bills?
When I needed a wisdom teeth extraction, we only paid (out of the pocket) 20% of the total bill because we have a dental insurance that took care of most of the bills. So if you don't have any insurances why not get one. It's easy to apply and you know for sure that you need to protect your family.
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