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Do you want to give the best gift this year for your loved one for Valentine’s Day? Gift cards, candy and jewelry can only go so far in life. Stop shopping this year for forgettable items and give something outside the (gift) box. Although you may find this not be the most romantic gift, the gift of life insurance can be the most beneficial present a person can receive. It will not get lost in a pile or returned to the store. It is something actually needed and will show how much you care for your loved one!

Life insurance is usually talked about as a way to protect your family financially in case of the worst. But what if no one is financially dependent on you—the kids are grown, and the rest of your family takes care of their own finances? Then, life insurance can be a way to show how much you care.

Grandparents can buy a policy for their grandchildren to use for their college funds. Parents can buy one to give their children greater financial independence, allowing them to pay off cars, clear mortgages or wipe out student loans. Or to give them a chance to start their own business, take a cruise around the world, or otherwise follow their dreams.

Life insurance ddoesn'tjust have to be a crutch to help your family get by after you’re gone: it can be a true gift to your heirs. Imagine: if you could leave all those you love with financial freedom, wouldn't you?

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