The primary purpose of a life insurance policy is to offer a source of relief for the client's family after the client passes away. However, it's important to remember that life insurance can also act as a flexible financial tool. (Photo: iStock)

Life insurance is a fundamental part of a responsible and reliable financial strategy. While it only takes a little planning for your clients to protect themselves and their families from future instability, shockingly around 49 percent of the adult population do not have any kind of life insurance.

Related: Expect the best, prepare for the worst

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