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 This is one of the most important things you can do to protect your family, and it takes almost no time at all. Monkey Business Images / Shutterstock.com

Editor’s Note: This story originally appeared on The Penny Hoarder. Becoming a parent is one of the happiest moments in people’s lives. For many, it’s like really seeing the world for the first time. It’s also an eye-opening moment that life isn’t just about yourself anymore — you’ve got someone who depends on you. Most parents would give their kids the world if they could. But we won’t be around…

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