What’s your take on life insurance ? Is it worth to pay the premium?

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Only term insurance and only if you have someone depending on your income. Stay away from whole life or any variant there of.

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Usually the best options are the ones offered within your firm's life insurance coverage where you can add multiples of your coverage for not that much money. Most plans will allow you to add up to 4-5x your annual salary, in addition to what your company provides.

Ditto to both comments above. Term and if no dependents no need for life insurance.

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