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It’s important to have life insurance to protect those who depend on you. But life insurance isn’t a one-size-fits-all proposition. There are different kinds of policies and a single policy may not meet all of your needs. You can have more than one life insurance policy, and there are times when it is smart to…
→ Read MoreIf you are 65 years old, you have almost a 70 percent chance of needing some kind of long-term care in your lifetime. Given that, many seniors are understandably concerned about how to pay for it. The cost of long-term care in 2010, according to the US Department of Health and Human Services, averaged $205…
→ Read MoreLife Insurance 101 Many people have no idea how life insurance actually works. So, let’s first go over that, because you need to understand that before you can understand how borrowing against a policy works. In the simplest terms, all insurance products work a little bit like the casinos in Las Vegas, because, in some…
→ Read MorePeople buy life insurance policies for various reasons. Perhaps the most common, and the one that most people think about when they think about life insurance, is that young parents often take out life insurance policies to protect their children. If you were to die prematurely and leave young children behind, the proceeds from a…
→ Read MoreWhen couples go through a divorce, there are a lot of details that have to be addressed, so sometimes there are items that are completely forgotten. Changing the beneficiary on a life insurance policy is one of the most forgotten items, during this difficult time Learn more about changing your beneficiary and compare different life…
→ Read MoreMany people buy life insurance when they are young so that their families will be protected if they die prematurely. When they get older, they may not need the coverage anymore, but they don’t want to cancel the policy after they’ve paid all those years of premiums. So they may wonder if they can sell…
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