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What Is Life Insurance, and How Do I Choose the Best Policy?

You know you need life insurance, but do you know what it is? If not, you are not alone. About 40 percent of Americans do not have a life insurance policy, while about half of all households in the country have less life insurance than they need.  Life insurance is not as complicated as you…
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Why Use an Independent Life Insurance Company?

Your first step when choosing a life insurance company is to decide between an independent agency and an exclusive one.  Exclusive (sometimes referred to as captive) life insurance agencies only sell insurance policies for a single carrier (e.g. Prudential or Northwestern Mutual). Independent agencies, on the other hand, represent many different insurance carriers.  Thanks to…
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How Do I Comparison Shop Life Insurance?

You’ve probably heard it before: In order to get the best insurance deals, you have to shop around. Comparison shopping is a wise approach if you want the lowest rates possible.  However, comparison shopping for life insurance is a little different from comparison shopping other products and services. There is also a better way to…
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How Do Pre-Existing Conditions Affect Life Insurance?

When determining the premiums you will pay for your life insurance, carriers usually use your health status to place you into one of several rate classes. The younger and healthier you are, the better the rate class you will qualify for, and the cheaper your rates will be.  Pre-existing conditions (Health conditions such as cancer…
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