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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 straightforward, you pay the premium, and if you die, the policy pays out its death benefit to your beneficiary. As a result, the 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?

What Are Life Insurance Flat Extra Fees & How do 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 life insurance rates can be impacted by your health history, height & and weight, tobacco use, and other specific information about you. The medical underwriters reviewing your life insurance application usually calculate adjustments to your life insurance rates. Therefore, these fluctuations in your final …

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What is an Independent Life Insurance Agent

Independent Agents Can Help You Secure the Best Life Insurance Rates in [2022]  Working with independent insurance agents, otherwise called insurance brokers, can simplify buying life insurance. They can also find the lowest life insurance rates by shopping the entire market for you. There are two types of insurance agents, one being the independent agent and the other being the captive agent. The independent agent can represent all companies where the captive agent is just one. For example, State Farm employs captive agents that sell their only product line. Captive agents work for their company, and independent insurance agents work …

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