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Life insurance premiums often rise as we age, but there's good news if you’re still in your 30s or early 40s: you’re in a good position to lock in lower rates before you get older. Now is a good time to check this one essential item off your to-do list and help secure your family’s future. Don’t wait — check out Money’s curated list of the best life insurance companies, with options starting at just $13/month.

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