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Life is uncertain. You might be working in a plush office, drawing a fat pay check and have a huge mortgage to support your increasing financial needs and lavish lifestyle. But what if an accident tomorrow leaves you incapacitated for life or worse kills you, leaving your family in doldrums. A life insurance policy is, therefore, a must if you care for your family’s needs in the event of your death. A life cover will provide a lump sum to your family in the case of your death. In addition to the life cover, a life insurance policy may offer several other attractive features such as waiver of premium on disability, critical illness coverage and so forth. In order to choose the most suitable life insurance policy, you should do market research before zeroing in on several features such as the contribution period, currency, and permanent total disability and accident death benefits among many others.