Life insurance is a critical aspect of financial planning that many people overlook. It is an agreement between an individual and an insurance company, in which the individual pays a premium in exchange for a payout in the event of their death. While it may not seem like an urgent matter, there are several reasons why you must have life insurance.

First and foremost, life insurance provides financial security for your loved ones in the event of your unexpected death. The death benefit provided by life insurance can help cover expenses such as funeral costs, outstanding debts, and living expenses. Without life insurance, your loved ones may struggle financially in the event of your death, and may even be forced to sell assets or go into debt to cover expenses...

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