Life Insurance

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. 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 choosing …

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Independent Agents Can Help You Secure the Best Life Insurance Rates in [2023]  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, whereas 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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Life Insurance for Marijuana Users With the Best Rates in [2023] Applying for life insurance for marijuana users is simple and easy. If you thought your marijuana smoking would represent a problem, no worries because it’s not. Many companies will allow you to smoke marijuana without adding a smoker rate to the policy. Times have changed, and so has life insurance for marijuana smokers. It does not get any better than this! We use companies that are marijuana-friendly to get the very best rates. Just keep reading and we will show you what you need to know to apply and …

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How to Buy NRA Life Insurance With the Best Rates in [2023] Millions of gun owners, including myself, have been NRA members for over 30 years, and I will always continue with the tradition. The NRA was always an important organization that would help us preserve our 2nd amendment rights which we would have lost a long time ago without them. In a way, purchasing a membership in the National Rifle Association is similar to buying a life insurance policy. When anti-gun lobbyists come up with new reasons to ban or restrict our firearms, we look to the NRA for …

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How Much Does a Million Dollar Life Insurance Policy Cost in 2023?  If you think purchasing million-dollar life insurance policies is expensive and hard to get approved, you are in for a pleasant surprise. Buying a multi-million dollar policy is much easier than you would ever possibly believe. Applications should go smoothly if you are using the most applicable carrier and have an experienced agent helping you. All you are doing is adding some extra zeros to the application. Find out what $1,000,000 to $20,000,000 policies cost and the best ways to apply for them. Also, who are the best …

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