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Term Life and Single Mothers
Single mom life insurance might not be at the top of your list of concerns when you are raising a child on your own; however it is a critical component for protecting your offspring. While dealing with...
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What Happens to Unclaimed Life Insurance Death Benefits?
Each year, insurance companies encounter unclaimed death benefits from life insurance policies. Family members remain unaware that their loved one had purchased a policy years ago. Sifting through...
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How Much Term Life Insurance Do You Need?
Buying a term life insurance policy can be a cost-effective way to protect your loved ones against financial hardship. Compared to permanent life insurance, term coverage is relatively inexpensive. You...
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What is the Insurance Transfer-for-Value Rule?
Life insurance proceeds offer tax-free death benefits when the insured dies. Beneficiaries have the flexibility to use the money however they choose. Inappropriate use of transfer features on life...
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Understanding Indexed Universal Life Insurance
If you have been thinking about buying a permanent life insurance policy as a way to obtain reliable financial protection for your loved ones, you might be considering universal life insurance....
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Three Types of Universal Life Insurance
Buying life insurance can be a confusing process. Although you may know that you need life insurance coverage to protect your loved ones after you die, it can be difficult to choose among the many...
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Should You Buy Guaranteed Life Insurance?
If you plan to provide an inheritance for your family members or other beneficiaries, or to help them take care of debt and living expenses after you die, you might consider buying a life insurance...
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Obscure Life Insurance Options
In the most basic form, life insurance policies offer a set death benefit to the named beneficiary when the insured person dies. Life insurance companies are regulated closely to ensure that sufficient...
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Avoid the Modified Endowment Contract Trap
Whole life insurance policies build a cash value fund using a set portion of the annual premium after insurance costs have been covered. Funds grow in a tax-free shelter, which can be accessed whenever...
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Life Insurance for People with Pre-Existing Medical Conditions
Life insurance exists to mitigate the risk associated with loss of life through no fault of the insured. For individuals with existing health conditions, life insurance companies want to know to what...
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How Profession Affects Life Insurance Premiums
Perceived risk of paying a claim is the driving factor in the life insurance industry. Actual mortality statistics are gathered and tallied each year. Causes of death are monitored to determine why...
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Term Insurance is a Lifeline for Small Business
Owning a business is a significant achievement that many people dream about for years. Responsibility for creating jobs and sustaining a profitable operation is not for the faint of heart. Wise...
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What Would Dictate the Replacement of a Life Insurance Policy?
Changes to the life insurance portfolio are required in specific instances when income and life circumstances shift dramatically. All life insurance premiums are set according to the policyholder’s age...
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Transform the Business Partnership Into Cash Through Life Insurance
Sustaining the life of a business after the death of an owner, partner or principal is difficult, at best. Only one in five small business firms will continue to operate following the premature loss....
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Secrets for Lower Life Insurance Premiums
Modern life insurance has roots in ancient Rome where an elaborate funeral celebration was believed necessary for the deceased’s spirit to rest in peace. Wealthy families were the only ones who were...
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Actions to Take Before the Term Policy Expires
Term life insurance policies will expire automatically at the end of the term, which can be any length of time between 5 and 30 years. Letters will be sent to the policyholder from the insurance...
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Never Allow a Life Insurance Policy to Lapse
Almost everyone has forgotten to pay a bill on time at some point. Life insurance premiums are due at regular intervals, such as monthly, quarterly or annually. Policyholders must realize the...
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Why Does Permanent Life Cost More Than Term Life?
Dozens of choices face the life insurance shopper who must find the right coverage. Basic understanding of the different forms of life insurance allows the shopper to select the best policy for the...
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Three Ways to Get Life Insurance for Terminally Ill Patients
Terminally ill patients are individuals who are medically diagnosed with an end stage disease. Examples of such medical conditions include any form of cancer, kidney or liver disease. The condition of...
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Asthma Sufferers May Obtain Life Insurance at a Reasonable Rate
Asthma Sufferers May Obtain Life Insurance at a Reasonable Rate Asthma is an increasing concern among those who suffer from such condition in addition to medical practitioners and life insurance...
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