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Life insurance isn't like the rest of your assets. Often, life insurance will be disbursed before your other assets have gone through probate. The purpose of life insurance is to make sure that your final expenses are covered, in addition to providing some financial stability for your family. Consequently, it's important to know where this money is going; it isn't going to follow the rest of probate. You control where your money is going by setting the beneficiaries.
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