Life

Everything You Ever Wanted To Ask About Health Insurance

Shopping is easy, right? You just need to hit the shops to browse the various shops to find one that has whatever it is you are looking for at the most reasonable price. And now that online shopping is a big thing, it’s even easier – you can do all of your browsings from the comfort of your own home.

Unfortunately, though, it’s not always easy to buy everything. Browsing in a few different shops is perfectly fine when you need a new pair of jeans, for example, but when you need to buy something a lot more important like health insurance, you need to put in a bit more effort.

Are you trying to buy a new health insurance policy at the minute but confused by all your different options? Here’s everything that you have always wanted to know about buying health insurance.

About Health Insurance

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Consider Exactly What You Need

First of all, you need to think about what you need to get covered. Not every health insurance policy will have the same coverage. For example, if you are planning on getting pregnant in the near future, you will need to find a policy that covers pregnancy. As you can see from these Medicare supplement companies, you have a big choice when it comes to choosing a new health insurance policy. Just make sure that everything you need to be covered will be before you sign on the dotted line and hand over your money!

Know Your Budget

As well as knowing exactly what it is you need to be covered, you also need a clear idea of how much you can afford to spend on your new health insurance policy. They can come at varying prices, not all of which are suitable for smaller budgets. Of course, if you only have a very limited budget, you might find that you can only afford a policy that covers very limited illnesses and treatments. But still, it’s better to get a limited policy than none at all!

Make Sure Your Doctor Is Covered

Doctors will work with specific health insurers so before you do decide which insurance policy you are going to go with, you should speak to your doctor to make sure that he or she can work with it. If not, you might still be able to use the insurance for any hospital visits, but you might be left to pay for your doctor’s appointments out of your own pocket.

It’s Worth Looking At Non-Traditional Providers

There are still the big insurance companies offering health insurance, but these days you will notice that there are also quite a few non-traditional providers coming into the insurance market as well. It’s worth looking into these new providers as they often offer some very good coverage for very reasonable prices.


Understanding the Life Insurance Policies for Senior Citizens

People who are above 65 years are often relieved of their financial responsibilities. They want to live a free life without worrying about the financial burdens of their family. Although this picture seems viable but in reality it is not always true. Financial worries often keep on going in the households that affect every member of the family. In such state, senior citizens, who are no more the earning partners in the family, feel the need to contribute to the expenses of their younger ones. One good solution to this situation is that the senior citizens can buy insurance policies. There are schemes under which the companies have started offering life insurance over 65 years of age.

In order to understand that “how insurance policies work for senior citizens”one needs to understand the reasons those propagate the seniors to buy life insurance policies.

• Tax advantages: People who are in business often opt for these policies to enjoy tax advantages. The policies of life insurance for seniorsoften come with tax benefits. In order to save their money for future instead of paying it in terms of tax, senior citizens buy life insurance policies.

• Meeting the death and final expenses: Senior citizens very well realize the expenses that are incurred on the death occasion in the family. That is why they often decide to buy life insurance policies for themselves so that they can support their family expenses. With the experiences of life, they can very well understand that how insurance policies work for senior citizens.They buy these policies so that their family can take care of their burial expenses without having to worry over the finances.

• Pay-off the debts: The retired people want to pay their lifetime debts before they leave the world. They may use their pension income for EMI based monthly payments of debts. In order to assure that their financial liabilities are not passed on to their children or survivors in the family, they buy life insurance policies. Their families can take care of the debts that remain after the passing away of the policy holder.

• Self esteem: One significant reason that people often enquire about senior life insuranceis their self-esteem. They hold the position of “provider” in the family throughout their life. So they plan to leave some financial gifts for their children. On their death their family can use the policy amount in the most viable way.
Now let us understand that how insurance policies work for senior citizens?
There are two types of insurance policies for seniors:
• Term life insurance: Such policies come with a time frame. For example ‘Mac’ who is 65 years old can buy a term life insurance worth $10,000 for his daughter. It means she can withdraw this much amount of money in the 10 years time period. After this tenure, the policy ceases to exist. In such policies, usually the rate of interest is lower and duration is fixed.
• Whole life insurance:This policy extends till the life time of the policy holder and ends on his or her death. The nominee may withdraw the whole sum of life insurance as a lump sum amount.

These are the two main options available for life insurance among seniors.

To better understand that life insurance for seniorswe need to explore the conditions on which the policies are given to the senior citizens.

How insurance policies work for senior citizens who have health problems?

The companies try to cover their risk in the maximum possible way by examining the health condition of the senior citizens. They check the pertaining ailments and the history of these diseases in their clients. The companies also examine chronic health problems such as diabetes, high blood pressure etc. They try to measure the intensity of these problems to assure the life expectancy of their clients.

The companies will also enquire about the addictions and other life style hazards of their clients such as smoking, drugs, overweight or obesity etc. The impact of these conditions may decide the health and well being of the senior citizens.

If any of these health issues is on serious terms then the clients can avail “graded” insurance cover. In this policy the nominee doesn’t get full death benefits if the policy holder dies in the initial 2-3 years. If your health is sound then you can avail any choicest option among the offers by the insurance companies.

Tips on getting affordable life insurance:

• Be healthy and fit: The cost and terms of your insurance will largely depend on your health. Therefore try to keep yourself fit and healthy at the time of buying life insurance cover. You can take up some normal work-out or wellness regime if you plan to buy the insurance in a period of 2-3 months.

• Earlier you buy, cheaper is the policy: This is a golden rule in buying any insurance product. If you plan to buy any insurance cover, make up your mind sooner. The younger you are more life expectancy you have! The insurance companies want to ascertain minimum risk of life expectancy. For people who have crossed the age of 60-80 years, it is advised that they take an early decision on purchasing life insurance policy.

• Compare the quotes: Internet is the best medium to seek all information pertaining to various life insurance policies available for seniors over 60-65 years. You can seek complete knowledge of elderly life insurance,what are the rates of interests and how do they vary with age, what kind of policy you want to buy and what are the benefits associated with each one of them. Different companies have different offers. You can compare the quotes online and assess them on the parameters such as cost, amount of premium to be paid, terms of pay back, rate of interest etc.

The requirements of senior citizens are different than the other people; therefore their policies too have different terms and specifications. One should carefully read all the instructions and terms & conditions before purchasing any policy.


Cashing in your life insurance benefits to pay for retirement – Is that a feasible option?

For majority of the Americans, retirement planning and life insurance are entirely different things. They nurture the notion which says retirement planning is for your future and life insurance is for the future of your beneficiaries. However, there are some expert financial advisors who recommend life insurance as a perfect way of planning for retirement. Due to the hefty costs involved, the strategy is controversial but if you’re good at it, there are many benefits that you can reap.

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Whole life insurance plans – Best way to support retirement savings

Among the different types of life insurance available, whole life policies are promoted as the best way to support your retirement savings. When you purchase permanent life insurance plan, irrespective of whether they’re universal, variable or whole life insurance, a portion of your premiums go to a separate account which builds cash value along with/in addition to the death benefit of the policy.

One of the core benefits of permanent life insurance is the ability to borrow or withdraw money against the cash value of the policy. You may use the proceeds to pay off your mortgage payments for a few months or to support your family when you lose your job or to continue funding your retirement. A point to be noted is that withdrawals and loans will decrease your death benefit unless it’s repaid. On the other hand, there are tax perks on getting cash from your life insurance. As per the IRS, distributions through borrowing are 100% tax-free!

Tax benefits – But with a twist!

There are tax benefits to using a portion of your cash value to finance your retirement. If someone has $40,000 coming from his IRA or 401(k) every year and another $30,000 in Social Security payments, the total $70,000 is deemed as taxable income. However if that $40,000 is coming from life insurance, then the taxable income would only result to $30,000. Not only would that $40,000 be not considered as taxable income, there are even high chances that the person would fall in a lower income tax bracket and the tax on Social Security income could also be lower.

Despite all this good news, most advisors recommend against utilising life insurance to fund retirement and the key reason is that this is a costly way to invest money. The costs of insurance, commission and marketing costs, subaccount costs, premium taxes will soon add up and will eat away your returns. This high cost related to life insurance plans lead to a drag-on performance.

Consider maxing out other assets first

Though this doesn’t mean that none should consider financing their retirement through life insurance, yet if you have other retirement savings like IRAs and 401(k)s, maxing out those first will be a better option. Wise advisors aren’t a big fan of using life insurance to fund retirement. According to them, life insurance should initially be seen as a primary way of protecting your business or family (if something were to happen).

In case you’re older and you have a huge net worth on your life insurance policy, you are eligible to reaping the highest tax savings from life insurance withdrawals. Tax savings are innate tax savings. On the other hand, if you don’t require life insurance yet and you don’t think you’ve reached peak earnings, a Roth IRA would be a better deal. If you still don’t contribute the maximum to your IRA and 401(k), make sure you include these into your budget before raiding your life insurance payments.

Hence, if you have been wondering about whether to cash in your life insurance savings for funding your retirement, you should take into account the above mentioned factors.


Benefits of the No-Medical Exam Life Insurance

When you apply for an insurance policy, the life insurance company has to go through the process called underwriting. In this process, a trained professional will review your personal, family and medical history. This review will determine if you will qualify for their life insurance. This will also determine how low will be the insurance rate that you need to pay. They’ll run physical examination to determine your health status and see if you have any factors that may lead to health problems in the future.

What if you don’t pass the exam? Does it mean you cannot quality for the insurance? The good news is that there are life insurance companies that offer products without the physical underwriting steps. These products are also known as the no-exam life insurance, no physical exam life insurance and no medical life insurance. This type of life insurance has many benefits.

1.No Medical examination. Because there is no medical exam that applicants for traditional life insurance need to take, the policies are issued much quicker.

2.Instant approval for qualified applicants.In this type of life insurance, you can get the coverage in as quickly as 24 hours.

3.It’s much more convenient. This is the right option for you if you don’t want to go through the exam or if you are afraid of needles.

Get-Life-Insurance4.Shorter application. The policies are issued much quicker

Though some may think that this type of life insurance is for people who are unhealthy, that is simply not the case. There are some people who are taking advantage of this and lie in their application to hide their health problems but this is not advisable. Aside from the moral issues, there are also legal issues involved in committing such fraud that applicants should consider. Another important thing they should be aware of is that the life insurance company will still dig through the applicant’s medical history prior to the approval of the policy. They will verify the accuracy of the applicant’s answer on their application.

Life insurance companies in most countries have the right to investigate on the accuracy of the applications if the applicant die within two years after buying the policy, Keep in mind that the moment you sign the policy, you are giving the life insurance company the right to investigate on all your records whether medical records, employment records and even government records.

No medical life insurance is very popular nowadays as insurance companies are trying to look for ways to differentiate themselves inthe market. Though this may be the best option for people who don’t want to go through the exam, there are also cons in this type of life insurance. The premium that comes with this policy is typically much higher as compared to a standard insurance policy. The reason to this is mainly because the company is taking a bit of risk in their no-exam life insurance.


Life Changes That You Need to Update Your Life Insurance for

Whether you purchased life insurance in your youth or well after getting married and having children, there are certain life changes that can happen that will require you to make adjustments to your policy. It’s recommended that you make the needed changes to either provide more coverage for new assets and people in your life or to downgrade to save money. Depending on your life situation, you will need to do either or. Read on to see what life changes require you to make updates to your life insurance.

Life_insuranceYou Take On New Responsibilities

You’ve likely heard advice given to young people that it’s best to purchase life insurance now. Waiting until you develop an illness or age will only hike up your rates. A lot of young folks listen to this advice and purchase a policy that will cover their funeral expenses only. However, as time goes on, you may take on new responsibilities like co-signing a business or personal loan or caring for an elderly or sick parent. With these types of obligations weighing on your shoulders, it’s a good idea to adjust your life insurance so that it will cover them.

You Get Married or Divorced

When you get married and have children, this doesn’t constitute a need for life insurance, especially if both spouses are working and equally contributing to expenses. In this case, the death of one wouldn’t be too catastrophic for the other. However, the situation changes when the two of you purchase your first home together. You’ll need to purchase or upgrade your life insurance policy to cover the newfound expenses. This is especially so if one works and the other doesn’t. In the event of a divorce, life insurance can be changed to reflect the obligations you now have.

Having Children

Even if one spouse stays home and the other works, it’s recommended that both parents get a life insurance policy. If the breadwinner were to pass away, the stay-at-home parent would have to endure the expenses. Then, if the stay-at-home parent were to pass away, the breadwinning parent would have to endure childcare costs. It’s important to factor these in when purchasing or making changes to your life insurance policy.

There are many different changes that can happen in your life that can require you to upgrade or downgrade your life insurance policy. It’s important that you don’t “set it and forget it” once you buy a policy. Continuously make changes as needed, so that if you were to pass away, your loved ones won’t be financially devastated.


Why You Should Not Put Off Life Insurance

life_insuranceWhen is the best time to get life insurance? The answer: yesterday. Seriously, you shouldn’t wait until you’re pushing 40 to apply for insurance, because when it comes to getting insured, younger is better. Why? The older you are, the higher the rate that will be assigned to you, which means you will end up paying more. Compare life insurance deals using Compare the Market to check your options.

The peak of your youth is the best time to compare life insurance providers, because insurance companies look favourably upon those who are young and at the best of health. It may sound brutal, but that’s reality: the older you are, the closer you are to the end of your lifespan.

Apart from lower insurance rates, here are the benefits of getting life insurance ASAP:

  • Income protection – you can rely on your life insurance to have your back in case you lose your job unexpectedly and are having a difficult time getting a new one. For couples, life insurance can be used to augment the family income should one of the spouses die, so that the family will be able to maintain the same standard of living as before.
  • Mortgage protection – life insurance can be used as mortgage protection; with this, your family or those living under the same roof will be able to continue living in the same house even after your death. If you have an outstanding mortgage balance, a term life insurance can be used to pay it off.
  • College education – you may think that your children are still too young (or not even conceived yet) for you to be worrying about their life in university, but with the high cost of higher education today (and definitely in the future), you’ll do well to start investing now.
  • Easing the burden of final expenses – death is a burden, and more so if there are expenses to pay, such as medical bills, funeral expenses, and burial costs. It may sound morbid, but planning for these things can alleviate the grief and financial burden of your loved ones when your time comes.
  • Long-term investment – life insurance can also be considered as an investment; if you put in more cash, the extra amount will grow as a tax-deferred account. The money earned from the compound effect can be withdrawn, borrowed out, or used for other insurance purposes, such as paying premiums.

There are different kinds of life insurance policies – covered off in this article by CNN Money – for different needs; what may be enough for you may not be the same for others. There’s an insurance policy for everyone; policies are formed depending on an individual’s situation. Even those who have just started getting a regular wage will be able to afford a simple term insurance.

Think about this: the earlier you take out a life insurance policy, the sooner you’ll be able to secure your family’s finances. Let’s add a little dark humour to this and say that getting life insurance can be your way of telling your family you love them from the grave.

Take your time to research, shop around, and talk to financial planners for advice, but definitely don’t put off getting life insurance any more than you have to. Remember, the earlier you apply for insurance, the easier it will be for you and your loved ones in the long run. It pays to be prepared for life’s emergencies, as detailed in this guidance piece by the Australian Securities & Investments Commission.


Top Myths About Life Insurance

life insurance mythsLife insurance is quite complex as compared to other insurance policies. This policy has numerous elements that require carefully deliberation to be able to choose the right type and coverage duration. However, most people can handle the complexities of life insurance as opposed to deciding why they need the coverage and how much. Here is a brief explanation of popular myths associated with life insurance policies and the twisted reality.

The life insurance policy you have at work is enough

If you are single and living a modest life then the employer paid coverage might be sufficient. However, if you are a family person or you need coverage to cater for your estate taxes after your death then extra coverage is very necessary in case the term policy paid for by your employer fails to meet all your needs. In addition, if you are a real estate owner, you really need builders insurance.

Life insurance cover needs to be double your annual income

The amount of coverage an individual requires is based on his or her current situation. This is dependent on many other factors. Apart from covering your medical expenses and funeral bills, outstanding debts such as mortgages and your family well being must be considered. To establish the real amount of coverage that you need, a cash flow evaluation must be undertaken. Gone are the days when a person’s income formed the basis for computing life insurance.

If you don’t have dependents, insurance coverage is not necessary

Even if you are single you need insurance to cater for your medical bills, personal debts and funeral expenses. If you are not insured, you might leave behind a legacy of accumulated debts to your executor or extended family. Having a life insurance is an ideal way for modest single people to leave a good legacy to charities or another worthy cause.

The cost of premiums is normally deductible

The cost of life policy is not deductible except when the policyholder owns a business and uses the cover as asset protection. Under such circumstances the premiums must be deductible.

Life insurance policy is only necessary for breadwinners

This is totally wrong. It is very costly to replace services previously provided by departed breadwinners. Therefore, it is sensible to insure against the loss of homemakers particularly daycare and cleaning costs.

Investing is much better than getting life coverage

Life coverage is very important regardless of the assets you posses. Depending entirely on the investment you have in your primary years is very risk particularly when you have dependents. In case you die without covering your family, they will hardly survive after your assets are depleted. Investing is not bad, but purchasing life insurance is also as important. On the other hand, you can get builders insurance when construction of your estate is underway.

It is better to buy term life policy

This is not always necessary. There is a big difference between permanent and term life cover. The term life policy might be very expensive in the coming years. Consequently, for those who want to be covered in their demise permanent coverage is the best option.

These are just but a few prevalent misconceptions relating to life insurance. The most important aspect to note is that you should budget for life insurance policy to pay off your debts and expenses after your demise. You can also consult your financial advisor or insurance provider for further clarification.

Kara is a passionate blogger and works as a provider of construction insurance policies.

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Protect Your Business Assets with Life Insurance

As a young business person, it is likely that you have had to work harder than most people to set up your business.

With this in mind, it would make sense to not let this hard work go to waste in the event of your untimely death or critical illness.

Here are a couple of business-related insurance policies available from the likes of lifeinsurance.org.uk that you might want to consider purchasing to provide financial protection to your business partners or yourself in the event of theirs:

Business life insurance

Even as a responsible young person, it is unlikely that you have considered what will happen to your business partners in the event of your untimely death.

Protect Your BusinessWould the beneficiaries need to sell their inheritance in order to pay death duties and taxes? Would there still be a business loan to pay off? Would the business have to hire someone to your job in the event of your unfortunate absence?

Business life insurance is a great way of answering these questions before they are even asked – should the absolute worst occur, your business associates or partners will have fewer financial problems and will be able to keep the business afloat.

It is highly advisable that after to obtain your key life insurance quotes you write you obtain your business life insurance as a policy holder rather the family of those being insured. That way those left running the business upon your demise will be able to use the funds as they wish.

Key man insurance/key man life insurance

Key man life insurance is very similar to normal individual life insurance except that upon the death of the policy holder (you), the recipient will actually be your business rather than your family.

Those left running your business will then be able to source, employ and pay a replacement, to buy or sell shares or to provide extra income for your family.

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Take a Look at Different Types of Life Insurance And Protection Policies

Types of life insurance

life insurance quotes

Gone are the days when we used to be worried and apprehensive about our loved ones if we were happened to die early. Now days, we can shield our family from any kind of dreaded financial situation by buying life insurance policy. Life insurance is a contract between an insured and an insurer, where the latter assures the former to pay a designated sum of money upon his/her death. This is primarily designed to protect the family of the policy holder against any financial hardship should the latter dies within the terms of the policy. The policyholder typically pays a premium monthly or annually and gets the benefit in return of a lump sum amount should when s (he) dies.

Now let us have a look at the different types of life insurance available in UK –

Types of life insurance:

Given below is a brief explanation of the different types of life insurance in UK –

Term Assurance – Term assurance is a kind of life insurance where you determine the insurance amount and also the time period you want to be covered for. The policy will only commence paying out the beneficiaries if you die before the termination date of the insurance. There are two primary types of term assurance – 1) level term assurance and 2) decreasing term assurance. In level term assurance, premiums are fixed for the duration of the insurance term, and payments are made should you die within the insurance period. In case of decreasing term assurance, the amount you are covered for decreases over the term of the policy. This type of term assurance is primarily used for debt repayment that reduces over time, such as repayment mortgage.

Family income benefit policy is a type of decreasing term assurance that pays out beneficiaries as regular monthly income once the policyholder dies within the insurance period.

Whole of life assurance – As the name suggests, whole of life assurance is designed in such a way that offers beneficiaries throughout the life once the policyholder breathe his/her last breath, unlike any term insurance which is only for specified period of time. With this kind of life insurance, the policyholder needs to pay premiums throughout his/her life until they reach a certain age. There are two main types of whole of life insurance – maximum cover and balanced cover. In case of maximum cover, the initial premium and the insured sum are guaranteed not to increase for next 10 years. In case of balanced cover, the premium depends on the sum to be insured, and age and health of the insured person.

Income protection insurance – Income protection insurance is an insurance policy, available principally in the United Kingdom. This kind of insurance policy provides benefit to policyholders who are incapacitated or unable to work due to illness or accident. This insurance policy offers a lot of benefits in compare to other such policies such as accident, sickness, and unemployment insurance. Benefits are paid regularly on monthly basis and are tax free. The insurance company cannot cancel or refuse to renew the policy provided that the policyholder pays the premiums on time.

There are three primary three types of income protection insurance – long term income protection, short-term income protection, and accident, sickness and unemployment cover.

Accident and sickness insurance: This is a kind of insurance policy that offers a lump sum benefit to the policyholder in the event of death, loss of limbs, permanent loss of sight in one or both eyes and permanent total disablement. Moreover, the benefits from personal accident and sickness insurance policy are tax-free.


The Life Insurance Settlement – Is It Right For You?

The Life Insurance Settlement – Is It Right For You?

Life settlements are a relatively new emergence in the life insurance market. Offering benefits to both the policyholder and the investor, it’s no surprise that the life settlement market has grown so explosively in the last few years.

What Is a Life Settlement?

A life settlement is basically an investment made into the life insurance policy of someone else. An investor purchases a policy by paying the original policy owner the purchase price. This gives the investor the right to all death benefits once the policyholder passes away, and also places the onus of premium payments on them.

Who Benefits Most From Selling Their Life Insurance Policy?

Most often, those who can benefit from selling their life insurance policy in the life settlement process are seniors and those having low life expectancy due to illness. Usually, it is those aged 65 and over who can sell their policy.

How Much Can A Senior Make From Selling Their Policy?

The amount that can be received from selling a policy will depend on a range of factors. But the return on a life settlement to a senior can range anywhere from few to over 40% of a policy’s face amount.

Why Are Life Settlements So Popular?

Life settlement popularity is due to the fact that both the investor and the policyholder benefit from the sale; the policyholder receives cash from a policy that may not otherwise pay out, while the investor receives a large payout once the policyholder passes away.

A life settlement also provides a way to avoid the large percentage of insurance policies which don’t pay death benefits upon their expiry, as well as get rid of unwanted coverage with some monetary return.

As with most things, the life settlement option may not work for everyone, even though it may look like a viable way to receive much-needed cash. There are many circumstances which can make a life settlement the wrong choice.

Coverage and Financial Implications of Life Settlements

For those in their retirement years, having life insurance represents an important asset. Engaging in the life settlement process is not a good idea if life insurance coverage is still needed, as selling a policy leaves you without coverage.

As well, insurance companies will limit the amount of coverage they will provide to one person. When life settlement occurs, this affects the total insurability of an individual, meaning that the additional coverage needed to justify a life settlement.

Financially speaking, keeping an existing policy is a good idea if it’s unlikely that the individual will be able to afford coverage following the settlement process.

Many seniors consider life settlement when they want to get better terms with a new policy. But this may not provide the full cash value from the old policy with which to finance the new one. A simple comparison of the tax due on a settlement with the numbers of the exchange will reveal the feasibility of a life settlement.

Any profits received from a life settlement, excluding paid premiums are subject to tax, which can mean that the potential profits are not worth selling the policy.

Identifying Quality Life Settlement Assistance

Care should be taken to select a broker when the decision to go forward with life settlement is made. Most important is finding a broker who will keep your, and not their best interests in mind. A broker who is anxious to close quickly is not a broker that is concerned about the benefits to you.

A broker who is capable of being transparent and who is not afraid to tell you everything you need to know about the advantages and risks of life settlement is the broker to consider. The same should be considered when choosing the company that will process a settlement, as a company whose settlement program is well-managed and who has high standards is much more likely to offer you the quality and knowledge that you need to proceed with this option.

Guest author Adam Foley writes on a variety of topics, but is particularly well-versed in the topic of life insurance.  He is a frequent contributor at http://www.lifeinsurancecompaniesbystate.com/.  You can also find .


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