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Life insurance can answer many questions. It can provide for you and your family if you die or if you live. Cash value life insurance policies have a unique feature where you may borrow the cash value and pay your self back - sort of like being your own bank. A few examples of the problems it can solve:

1) Short term loans to help in financial emergencies or even college.

2) Cash values can be accumulated to solve specific goals - down payment on your home, retirement, special vacation.

3) Term or cash value policies replace the income of the loss of a family provider.

Watch this short video: