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Protecting The Kids

We have finally decided that we are going to get a term life insurance policy to cover each my husband and I until the kids turn twenty-one. Once they are grown up they can take care of themselves, but I want to be sure that if something were to happen to my husband or I, or even worse, both of us, they would be okay. My husband is the sole income earner in our family, so if something happened to him we would definitely need the money from life insurance to be able to afford the house and the groceries and everything.