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7. Spend $50 a Month for Peace of Mind
That's about what it would cost a healthy 40-year-old woman to buy a million-dollar 20-year level term life insurance policy; figure on less if you're younger and more if you're older. But the idea is this: A small amount of money buys your family protection if you die prematurely. You can shop for term policies at SelectQuote.com and AccuQuote.com.