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What You Need to Know

    Life insurance constitutes a formal agreement between an individual and an insurance carrier. This arrangement involves the policyholder periodically remitting premiums to the insurance company. In return, the insurer pledges to disburse a one-time lump sum payment—termed the death benefit—to the pre-appointed beneficiaries in the unfortunate event of the policyholder's demise. Life insurance policies offer financial fortification to dependents and aid in alleviating any costs that might ensue subsequent to the policyholder's passing.

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