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People with a financial plan worry less and save more. A financial plan can help you to: Know where your money is going; Understand where your money will come from for your family’s changing needs; Prepare for different stages of your life; Maximize your retirement savings; Protect your hard-earned money against the unexpected; Manage your taxes. Life insurance is used to protect the financial security of the people you love most. A life insurance policy pays cash benefit, tax free, to you beneficiaries when you die. The amount of money for which you are insured and the type of insurance you buy depends on your needs.