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Essential if anyone (spouse, children, parents) relies on your income.

Avoid "niche" insurance like flight accident, credit card, or identity theft insurance (often covered by other policies). best insurance to buy

Only insure against losses that would be financially devastating. Self-insure (pay out of pocket) for small things like electronics. Essential if anyone (spouse, children, parents) relies on

Low out-of-pocket maximums if you have chronic conditions; high-deductible plans (HDHP) with an HSA if you are young and healthy. 2. Term Life Insurance Essential if anyone (spouse