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Will a Life Insurance Company Cover Me if I Have Had a Heart Attack? It is more probably than most people think that they can get life insurance coverage if they have some manner of heart attack, by-pass surgery, or stents placed in their arteries surgically. Insurance company underwriters no have access to much more…
→ Read MoreWhat is Term Life Insurance? Term life insurance is temporary life insurance coverage that lasts for a certain period of years. It is usually sold in increments of 10, 15, 20, or 30 years. Once the threshold of years is completed, the term policy expires. A prospective insured must qualify for the coverage by being…
→ Read MoreTerm life insurance is a uniquely special form of life insurance that provides death protection for a specified period. It is pure protection and will pay off if the insured dies at any time during the term period. Typically, the length of time that the term periods last are from 10, 15, 20, and 30…
→ Read MoreThe loss of someone that you love is devastating all by itself, but to be placed in a situation of financial hardship, because of the loss of that person, is something entirely different. In some, but not all cases, you can get a life insurance policy on your boyfriend, significant other or unmarried partner in…
→ Read MoreLife Insurance and Annuities Life insurance policies and annuities are both financial products that accomplish specific things. Both are financial instruments that can only be issued and maintained by life insurance companies by law. Both types of financial instruments accumulate money on a tax-preferred basis under certain rules governed by IRS rulings, and it is…
→ Read MoreProtecting your assets with the right documents will help guarantee that your rightful beneficiaries will have money to live on when you die. People experience many changes during their lives, including marriages, the birth of children, divorces and deaths. It is a good idea to make sure that your power of attorney documents for financial…
→ Read MoreWhole Life and Cash Value Although there are different kinds of whole life, they all accrue a cash value. This makes them different from term insurance. The cash value of whole life is cash you can potentially access while you are still alive. You do not need to kick the bucket to access this value….
→ Read MoreThere is no requirement to meet all your insurance needs through one company. An application for insurance will always ask which other companies you are currently insured with. On a second or third application, you will be asked why you are requesting more coverage; and you will have to back up your request with proof…
→ Read MoreTerm Life Term life insurance is a life insurance policy that is established to provide a death benefit to a named beneficiary for a set period of years. Usually, the death benefit remains the same for a 10, 15, 20, or a 30 year period, with the premium, or cost remaining the same. At the…
→ Read MoreWhat Does Marijuana Do To Our Bodies? Marijuana is a Schedule I controlled substance under the Food and Drug Administration guidelines which mean that it has a very high potential for illegal use and is likely to result in unintended consequences. This definition falls into the same category as LSD, ecstasy, and heroin. Marijuana is…
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