Is Life Insurance an Option for Those with Diabetes?

Is Life Insurance an Option for Those with Diabetes?

Overweight does not mean that you will develop diabetes or even eating too much sugar will cause it alone.

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What Are the Differences Between Term Life and Permanent Life Insurance

What Are the Differences Between Term Life and Permanent Life Insurance

Life insurance is a financial security net that protects your family when you pass away. It provides monetary support, which can be used to pay for the funeral, help make ends meet, pay off debt or even help pay for future expenses like college tuition. Its tax-free payment that can be used for any purpose after an unexpected loss. Is term life or permanent life insurance right for you? One benefit that life insurance has over direct…

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Term Life Insurance is the Simple Solution

Term Life Insurance is the Simple Solution

Term life insurance is commonly used among people who are uninterested in learning the intricacies of various life insurance policies, but still wants protection. In most circumstances, it provides the perfect amount of coverage for your premium dollars. Also, it is fairly simple to compare different term policies among each other.

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Is Mortgage Insurance a Good Idea?

Is Mortgage Insurance a Good Idea?

Life insurance policies offer more variety and in the long run, may be a better decision unless your health is poor and your chances of getting a reasonable policy is low

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Five Basic Types of Life Insurance Policies

Five Basic Types of Life Insurance Policies

When it comes time for you to purchase a life insurance policy, you have the option of choosing from five different types of policies with each of them offering their own unique benefits. These five basic types of life insurance policies are term life, whole life, universal life, endowment, and annuity. The basic structure of the first four is to create a principle sum or estate through either the death of the insurer or through…

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What Are My Options For An Expired Term Life Insurance Policy?

What Are My Options For An Expired Term Life Insurance Policy?

Many Americans choose term life insurance over whole life insurance because it’s more affordable, but despite low premium prices, there’s a critical caveat: policyholders who purchase a 30-year policy run the risk of their coverage expiring, if they outlive it. Individuals whose term-life insurance runs out always have the option of purchasing a new term policy, CBS Money Watch reports. However, they will have to undergo a medical exam and pay the premiums tied to…

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You Need to Know This Before Replacing a Term Life Insurance Policy

You Need to Know This Before Replacing a Term Life Insurance Policy

If are considering term life insurance replacement, use the worksheet provided here to help make your decision easier. This worksheet summarizes some important factors to consider. Not all of these factors necessarily apply to your situation. It is not an exhaustive list, but it covers the most likely scenarios. However, it is a good place to start deciding whether or not to replace an in-force term policy with another one.

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A Life Insurance Policy Can’t Be Seized by the IRS to Pay Back Taxes

A Life Insurance Policy Can’t Be Seized by the IRS to Pay Back Taxes

For the most part, life insurance policies are purchased with the intent to provide financial security for an insured’s beneficiaries when they pass away, and the goal of most policies is to allow loved ones to maintain the same lifestyle as if the insured had not died. These policies also contain a number of rights and options, some of which can help you get through your own financial hiccups. Term life insurance policies offer the most…

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