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Should life insurance be a fixed expense in my situation?

Do you consider life insurance a fixed household expense or variable expense? Answer the following question yes or no. Will your loved ones need financial assistance for monthly expenses, funeral expenses, college education, retirement, etc. if you die? If yes, make life insurance a fixed expense. Find out how to automatically get the premium debited from your checking account at the beginning of the month. Make sure the bill gets paid every month. If no, why carry life insurance in the first place?