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Do I need life insurance if I'm single and have no family depending on me?

Quite possibly. While you may not have a spouse or family depending on your income to get through life, you may have debts and final expenses that someone will be responsible for. And if you’re a younger single person, there’s a good chance you’re pretty healthy, which typically means better rates than you’ll get in the future. You could also take advantage of a whole life or universal life policy that can build cash value over the years.