Which of the following is a benefit of life insurance for the insured?

Life insurance primarily serves to provide financial protection for beneficiaries in the event of the insured's death. This core function ensures that dependents or loved ones receive monetary support, allowing them to maintain their financial stability or cover obligations such as mortgage payments, education costs, or general living expenses. This aspect directly addresses the needs of those who rely on the insured for income and support.

While guaranteed return of premiums and opportunities for cash accumulation can be features of certain types of life insurance policies, they are not universally applicable to all policies. For instance, term life insurance does not provide a return of premiums, and not all life insurance products allow for cash value accumulation. The primary benefit that consistently applies across all life insurance policies is the financial security offered to beneficiaries.