The primary purpose of life insurance is to provide a financial benefit to dependents upon premature death of an insured person. The policy pays a specified amount called a death benefit to the named beneficiary, when the insured dies; but it is also life insurance you don't have to die to use.
A life insurance policy also provides living benefits such as: Tax-free retirement income, has "living benefits" that offer you the flexibility to receive accelerated death benefits during your lifetime if you suffer a qualifying illness.
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