I remember how a friend actually recommended my wife life insurance... she actually bought it for her before wifey gave her the money. The reason, not because the friend is selling it, but because she felt it is so important that we should not delay. When you know this is well-meant by a friend, you know it is not just a product - it is something one can use at the times of need, and that is what insurance is for - help at times of need.
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