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Life insurance, as they say, is not for you but is for the benefits of those whom you leave behind after you die. It is to protect the family and dependents in the event of the policy holder’s untimely, accidental or inevitable death. As a component of planning for the future, life insurance reflects how much a person cares for his/her loved ones. There are many options with coverage, depending on one’s situation. The main categories of life insurance are described below: