Unfortunately you will hear suicidal individuals say the same thing.
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Yes most studies show huge under insurance gap and something like 45-50% of Americans only have life insurance through work. I always tell people “if you have dependents, get life insurance.” Lot of people need it and unfortunately don’t have trusted sources to buy as well.
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The trend with insurance as in many other things in this society is that the poor tend to be underinsured, often WILDLY underinsured, and the rich wildly overinsured Because insurance is part of capitalism and capitalism is broken
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