Fewer Americans are buying life insurance. Here’s when you might need it

Key Points

Fewer U.S. households have bought life insurance in recent decades.
Life insurance policies pay a death benefit, generally tax-free, to beneficiaries when a policyholder dies.
Getting married, having kids and buying a home are common triggers for a purchase.
Term life insurance policies rather than permanent policies (like whole or universal life) tend to be best for most people, experts said.

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