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Families are financially ill-equipped to maintain their standard of living should a primary income-earner die prematurely. In fact, according to a resource from MetLife, Three Steps to Closing the Underinsured Gap: Evaluate, Enhance, Educate, about three-quarters of 1,000 beneficiaries surveyed did not feel that the amount of the life insurance proceeds they received, if any, after the death of their spouse sufficiently met their needs. Two-thirds of surviving spouses also reported that their loved one’s death had a major or devastating effect on the family’s financial security.

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