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Life Insurance Procrastination & Its Consequences

Depending on Your Age, Life Insurance Quoting Rates Can Increase by 3.5 to 9% Each Year! Life insurance procrastination is always very costly when people fail to apply by sluffing it off. When it comes to buying life insurance, time is money. So the question of why people procrastinate when considering purchasing life insurance has been a subject of interest since life insurance was first introduced. According to modern statistics, over 67% of life insurance shoppers consume months of their time kicking the proverbial tin can around and never apply. In many cases, they may finally decide to apply after …

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Term Life Insurance With Living Benefits

Term Life Insurance With Terminal, Critical & Chronic Illness Benefits at No Additional Cost Term life insurance is the most commonly sold life insurance product with no close second. The concept is very straightforward, you pay the premium, and if you die, the policy pays out its death benefit to your beneficiary. As a result, term life insurance products are cost-effective and practical for most people in the United States. When you look at a term policy, they all have the same mission within their plan design; you die, it pays. But did you know that you could get a …

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How to Find a Lost Life Insurance Policy

How to Find a Lost Life Insurance Policy Quickly & Easily I receive quite a few calls from people who just experienced a family member passing away. Unfortunately, they had no idea where the deceased kept their life insurance policy and other legal papers. Years ago, this would have been a nightmare, but thanks to our modern technology and a computer, you may be able to find the lost policy in a minimal amount of time. Unfortunately, the policy will sometimes not turn up, and the search can go on for an indefinite amount of time. Unfortunately, there is no …

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What Are Life Insurance Flat Extra Fees?

Life Insurance Flat Extra Fees & How They Work Life insurance flat extra fees, what are they, and what do they do? Just about all of us who have purchased life insurance at one time or another fully understand the concept of having a premium to pay each year. Many people realize that your health history, height & and weight, tobacco use, and other specific information about you can impact life insurance rates. The medical underwriters reviewing your life insurance application usually calculate adjustments to your life insurance rates. Therefore, these fluctuations in your final rates are traditionally impacted by …

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