A great many people buy more than they need. Consider honestly how much your partner, children or other dependants would need when buying life insurance. Consider too whether you really need a whole life plan. If your children will be grown ten years from now and fending for themselves, might a ten year plan not be a better bet? In particular, avoid separate accidental death insurance when selecting a policy. If you have enough life insurance anyway, then extra money in the event of your accidental death achieves nothing but higher premiums.
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