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If you chose c, you’re not like most Americans. Recent economic stress has driven life insurance ownership to very low levels, says Todd Katz, executive vice president for insurance products at New York-based MetLife. According to a recent MetLife study of employee benefit trends, 30 percent of American households have no life insurance coverage at all, and the average U.S. household owns enough life insurance to replace just 3.6 years of income.

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