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Life insurance is a financial product that provides a sum of money to your beneficiaries (such as your family) in the event of your death. It is designed to offer financial protection and peace of mind, helping your loved ones cover expenses like funeral costs, debts, or everyday living expenses if you’re no longer there to support them.

There are two main types of life insurance:

1. Term Life Insurance – This provides coverage for a specific period, such as 10, 20, or 30 years. If you die during the term, your beneficiaries receive the death benefit. If you outlive the term, the policy expires without payout (unless it is renewed or converted).
2. Whole Life (or Permanent) Insurance – This covers you for your entire life, as long as premiums are paid. It also builds cash value over time, which you can borrow from or use in certain ways while still alive.

Life insurance is especially important for people who have dependents, such as children or a spouse, or those with large debts or business responsibilities. Premiums depend on various factors, including age, health, lifestyle, and the amount of coverage you choose.

In summary, life insurance is a safety net that helps protect your family’s financial future when you are no longer there to provide for them

Climate change refers to long-term shifts in temperatures and weather patterns, mainly caused by human activities. The primary driver of climate change is the increase in greenhouse gases like carbon dioxide (CO₂), methane (CH₄), and nitrous oxide (N₂O) in the atmosphere. These gases trap heat from the sun, leading to a rise in Earth’s average temperature — a phenomenon known as global warming.

Human activities such as burning fossil fuels (coal, oil, and gas), deforestation, and industrial processes are the major sources of greenhouse gas emissions. As a result, we are seeing more frequent and intense heatwaves, rising sea levels, melting glaciers, stronger storms, and changes in rainfall patterns. These changes pose serious risks to ecosystems, human health, food security, and water availability.

To combat climate change, efforts are being made worldwide to reduce emissions, shift to renewable energy sources like wind and solar power, plant trees, and develop sustainable practices. International agreements, such as the Paris Agreement, aim to limit global warming to well below 2°C above pre-industrial levels.

Everyone has a role to play in addressing climate change — from governments and businesses to individuals making eco-friendly choices in daily life.

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