26.

  1. It is fun though not widely practiced.
  2. It is to benefit your dependents.
  3. It is getting popular.
  4. It is absurd.

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27.

  1. The buying of life insurance is not the business of guessing.
  2. There must be a standard amount of life insurance for people.
  3. People are encouraged to buy more life insurance for more benefit.
  4. One has to rely on an agent to figure out the right amount of life insurance.

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28.

  1. Following general estimates.
  2. Upgrading your quality of life.
  3. Making as much money as you can.
  4. Maintaining your current living standard.

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29.

  1. The size of a family.
  2. The source of income.
  3. The basic human needs.
  4. The death of the breadwinner.

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30.

  1. To present the advantages and disadvantages of life insurance.
  2. To encourage people to buy life insurance.
  3. To tell people how to buy life insurance.
  4. To help improve the quality of life.

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Life insurance isn't fun to buy. It forces you to think about your death, a subject many prefer not to confront. But there is a single over-riding reason to buy life insurance: to provide an income for your dependents if you die. Don't depend solely on an agent to figure out your life insurance needs. Rule-of-thumb estimates, such as five or eight times your income, are guesses. They may produce too little or too much insurance. Carry too little insurance and you may not provide a reasonable standard of living after your death. Carry too much and you may not enjoy a reasonable standard of living while you are alive. According to statistics, most people who have life insurance don't have enough. Then, how do you determine the amount of life insurance you will need to maintain your current family life style if the breadwinner dies. First, figure what your family's expense would be if you die tomorrow. Then analyze your assets and the source of income that you can use to cover the expenses. Finally, subtract the assets from the needs. The result is the amount of additional insurance you will need to buy.