Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

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Life insurance offers a combination of benefits when you pass away and while you're still alive. These benefits can have long-lasting impacts for your family, too.

It can be easy to take life for granted. But if you were no longer here, how would your loved ones manage financially? Getting the right life insurance policy in place can give peace of mind, yet ...