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Maybe, but usually not. The needs are often greater than the available funds. To determine if your other "insurance" would be adequate, you should get a more extensive examination of your needs

Wouldn't my group insurance from work or social security or mutual fund assets pay these needs?

Maybe, but usually not. The needs are often greater than the available funds. To determine if your other  "insurance" would be adequate, you should get a more extensive examination of your needs and currently existing sources of funds. We've made it easy to do this on this web site.