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Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time. more..
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Life insurance companies that don't require a medical exam ...
Choosing the best whole life insurance company can be a downright painful process because of the complex terminology involved and the many policy options available. The potential permanence of whole life coverage means it's critical to conduct this research carefully. Evaluating a company's long-term stability can be just as important as the coverage they offer. Finding a company that covers all the bases is a real challenge, but can provide a sense of security that lasts for a lifetime. more..
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Life insurance companies for seniors ...
Term life insurance is a pretty common form of life insurance for many individuals, but most people invest in these policies at younger ages. Term life insurance is a good idea for people who still have mortgages or who have to put their children through college one day, but many seniors choose other forms of insurance because of their different needs. Regardless, you may want to look at the pros and cons of senior term life insurance quotes and certain policy details when deciding for yourself or your elderly parents. more..
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Best Term Life Insurance Companies ...
Most people realize they need a life insurance policy, but the thought of going through blood tests and the overall hassle of the approval process not only makes them cringe but provides an excuse for putting off getting a policy. While this is the easier choice it is not the choice that will keep your family in the best position if something were to happen to you.   For so many people we have seen great success at getting a no medical exam life insurance policy that meets their immediate needs for coverage without the hassle of the long approval process. more..
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Compare best term life insurance companies ...
You may designate one or more beneficiaries. If you designate more than one, you must decide how to divide the money. You may also choose a secondary or contingent beneficiary to receive the money if the primary beneficiary dies before you.
Life insurance isn't an investment. An investment is a financial risk -- you might make money but you also might lose some or all of your money. In contrast, life insurance pays a guaranteed death benefit
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