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High Cholesterol Life Insurance? No Problem Or Is It?

I Have High Cholesterol, but That’s Not a Serious Problem When Buying Life Insurance, Is It?



If you’re like many Americans, you probably have high cholesterol. It rarely has any early symptoms, and many people forget about it after an annual blood test — until it’s time to buy life insurance.


Insurers classify high cholesterol, or hyperlipidemia, as a pre-existing condition that can raise your premiums or even prevent you from purchasing insurance. Many Americans are unaware that their high cholesterol is a leading factor in life insurance denials.


If you have high cholesterol now, it can lead to a risk of heart disease and other health problems later. Additionally, when high cholesterol stops you from purchasing affordable term life insurance, it can be a financial burden with far-reaching consequences.


When you’re planning for retirement or providing for your spouse or children, being denied life insurance has a ripple effect that crosses generations. It leaves your family members without crucial financial resources to pay bills, mortgages, and other final expenses.


Luckily, understanding pre-existing conditions like your high cholesterol can be the first step in preparing for the future.

 

High Cholesterol is a Serious Pre-existing Condition

A benign pre-existing condition like high cholesterol can come as a surprise. No one “looks” like they have cholesterol problems and there may be no symptoms. Some physically fit adults are shocked to discover they have elevated lipids. None-the-less, insurance companies treat it as a serious health risk.


According to the Centers for Disease Control, millions of adults like you live with high cholesterol every day. They may never have serious complications, and they control it with diet, exercise, and medication.


If you’ve been diagnosed with high cholesterol as a pre-existing condition, life insurance companies are most concerned about the associated health risks like:

Coronary artery disease

Heart attack

Stroke

High Cholesterol is a Serious Pre-existing Condition

The good news for you is that cholesterol is treatable and many insurers will not automatically exclude you because of it.


To assess your personal risk, insurance companies rely on many individual factors. The most reliable way to find affordable rates and approval is to speak with insurance professionals about your application and let them know that you take high cholesterol as seriously as they do.


Insurance Companies Assess Associated Risks

After you schedule a pre-insurance exam, be prepared to answer a long list of health questions. Insurance companies often consider positive lifestyle choices when assessing your health risks. During the screening process, you may be asked:

Do you exercise regularly?

Is your diet low in saturated fats?

Do you avoid transfats and include high fiber foods in your choices?

Do you smoke?

Are you taking medications to control your cholesterol?

What is your BMI and do you monitor your weight as part of a health regimen?

Is there a family history of related medical conditions?


You may already have high cholesterol, but you can reduce your risk of complications. Explaining how you control your cholesterol may have a significant impact on coverage or premiums.


In addition, insurers will examine related conditions like age, diabetes, hypertension, and liver disease, among others.

Insurance Companies Assess Associated Risks

You Can Still Find Affordable Options

Even if you have a pre-existing condition like high cholesterol, several companies continue to provide financial security and affordable term life insurance options. Before you assume you can’t buy coverage, always ask an agent familiar with insurance guidelines if you can qualify.

Every insurance company has its own acceptance standards and policies regarding pre-existing conditions. Never assume your pre-existing cholesterol diagnosis will prohibit you from providing loved ones with financial security.

I Have High Cholesterol, but That’s Not a Serious Problem When Buying Life Insurance, Is It?

Iphone or Life Insurance? Do You Really Need To Ask? Here’s Why!

A Term life insurance Policy is usually the last thing on parents' to-do lists

 

It’s truly appalling that so many people don’t consider term life insurance to be very important.


According to lifehappens.org, typical American families spend more money per month an Apple iPhone and Starbucks than they do protecting the important people in their lives with life insurance.  Most don't realize that for a 35 year old male who's in good health, monthly cost for $1M of 20 year level term life insurance is less than the payment on an iPhone with AT&T(depending on the model financed, of course)


They’re much more concerned with health insurance and auto insurance, since the need for such coverage is usually more immediate.  Not to mention that those types of coverages pay SOMEONE else!

 

 

Life insurance doesn’t seem important until it becomes necessary, and then it's too late--it's like asking an insurance company to buy fire insurance when there's smoke coming from the front door! That’s because you can’t buy life insurance after the fact. What’s almost ironic is that life insurance is generally one of the least expensive types of coverage you can have, at least when you buy term life insurance. And though most people don’t give it much thought, it’s actually the most necessary.

 

 

Why You Need Life Insurance

 

 

We usually tend to think of life insurance in terms of providing a death benefit that will help support our loved ones after we die. That’s one purpose, and maybe even the most important.

But there are a few more: 

 

Paying For Final Expenses

 

Though it’s possible to do a relatively inexpensive funeral, you can’t do one for free! Even a modest funeral will cost several thousand dollars. If you have no life insurance, and especially if you have a few liquid assets, this could create a deep hole for your loved ones in the event of your death.

 

Uncovered Medical Expenses

 

Since death is frequently preceded by an extended period of medical treatments, that can result in out-of-pocket expenses. For example, if your health insurance policy has a $4,000 deductible, and a maximum out-of-pocket of $6,500, your family could be stuck with those bills after your death.This is even more true in an age of Obamacare, where health insurance typically includes high deductibles and out-of-pocket maximums in order to make the coverage more affordable. But if you have no health insurance at all – and millions don’t – your family could be facing tens of thousand dollars in medical bills. Life insurance can prevent this.

Debts and the importance of life insurance

 

Any loans cosigned by a family member that are outstanding at the time of your death will become obligations to your family. And even if a family member didn’t cosign for it but want to keep the asset, like car or house, those loans also become the obligation of the family.  But of course, they will have to deal with those obligations without your income. This can stretch an already limited household income to the breaking point.Your life insurance should include a large enough death benefit to not only cover final expenses and outstanding medical costs, but also enough to pay for outstanding debts, particularly car loans and credit cards. If you really want to provide for your family, your death benefit will be high enough to pay off the mortgage on the family home.

Having enough life insurance means Money to be able to step back and re-group

 

After your death, your loved ones will be traumatized. This can lead to reduced income, due to missing work. It could also increase health-care costs, as the family experiences more frequent illness, as well as emotional trauma. A life insurance policy can help to offset these expenses, giving your family extra money to adjust to life without you.

ok, so who Needs Life Insurance?


Up to this point we’ve been focusing on the need to have life insurance on your own life for the benefit of your loved ones. But you should also strongly consider having policies on each of them. Any of the financial situations listed above that your family can face in the event of your death, can also effect you should one of them die.So to answer the question, who needs life insurance?, the answer is everyone! That includes newlyweds, stay-at-home-parents and everyone in your family.It’s often felt that single people have no need for life insurance since they have no dependents. But if you are single, and you have family – parents, siblings, and even nieces and nephews – you should still have some life insurance.At a minimum, you should have enough to cover final expenses, medical costs that anyone has paid on your behalf, and especially any loans where a family member has cosigned in order for you to get a loan.Cosigned loans don’t disappear because the primary borrower dies. The lender can still go after your cosigner. Having life insurance will prevent that outcome, and keep your family member from being pursued for full payment of the loan.

Why People Don’t Have Life Insurance?

 

There are a number of reasons why people don’t have life insurance, but here are three of the more common ones:

Not Enough Money

 

If your budget is tightly stretched, it can be legitimately difficult to find money to pay for a life insurance premium. However, that should make you realize even more that if your household finances are tight while everyone is alive and well, it will be infinitely worse should one of you die.

In addition, there is a term life insurance policy that will fit virtually every budget. It’s worth cutting an expense or two to make room for this all important financial service.

I Have A Life insurance Policy At Work.

 

Many employers do provide life insurance for their employees, but it usually caps out at a relatively low level, generally no more than $50,000. At today’s cost levels, that’s a very minimal policy.

 

And then there is also the problem that you could lose your life insurance should you lose your job. And when that happens, it may not be so easy to find affordable life insurance, particularly with no job income.

 

Fear Of Death

 

Some people don’t like to even talk about life insurance because it’s like betting on your own death. They may even reason that just the fact that you are taking a life insurance policy increases the chance of your death.

But the reality is that you will die someday, whether or not you have life insurance. And the only fair course of action is to have a policy in place, for the benefit of your family members.

Why Term Life Insurance Provides The Best Coverage

 

Cost is a significant factor in making any purchase, including financial services like life insurance. But once you recognize the absolute necessity of having life insurance coverage, it’s just a matter of finding an affordable policy.

 

The best choice is term life insurance. It’s not just less expensive than investment type policies, like whole life insurance, but much less expensive. It’s possible to purchase a term life insurance policy for just 10% of what it would cost for a whole life insurance policy with the same death benefit.

 

That means that the $200,000 policy that will cost $3,000 per year for whole life, can be had for around $300 with a term life insurance policy.

 

The difference between the two premiums is that whole life includes an investment provision. The additional premium that you pay goes into the cash value of your policy, as well as payment of the many fees that are associated with whole life policies.

 

Term life insurance, on the other hand, is pure life insurance. If you buy a term policy, and invest the difference in premiums (between term and whole life) in an index fund, you will have better investment returns than you would by “investing” through a whole life insurance policy.

 

Term policies also provide you with the ability to match coverage with need. For example, your greatest need for life insurance is when your children are very young. Let’s say that you have preschool age children; you can take a 20 year term life insurance policy that will cover your family until your kids are adults. Once your kids are grown, you won’t need as much coverage.

 

You can do the same thing with your mortgage – match your life insurance with the outstanding balance on the loan.

 

The best way to shop for a term life insurance policy is through an online life insurance site like my term insurance site here. The advantage is that you can provide the information once, and then have the insurance companies come to you with quotes. This will give you the advantage of being able to make side-by-side comparisons, so that you can select the best policy for your needs at the lowest possible price.

 

If you’ve been delaying getting life insurance – or if you know that you don’t have enough coverage – start shopping today. Life insurance gets more expensive as you get older, which means now is the best time to get a policy. Go to the quote engine on the right side on this page and run private, instant term insurance policy options so you can see how much cheaper it is to buy term insurance than it is to pay for your iPhone!

Term Life Insurance Policy or Iphone? $1Million for Pennies- Failure!

Are You Paying More For Life Insurance Than you Should?

PAYING MORE FOR INSURANCE THAN YOU NEED TO

I was featured in an article by Crystal Brown for magnifymoney.com. Many folks don't realize how much they are paying for life insurance or what kind they even have. If you want to save money on your life insurance policies, please read and share. Let me know what you think!

 

Here's Crystal's article.  Thanks again to Crystal Brown of Phoenix who wrote this balanced piece!

Paying Too Much For Life Insurance

 

Tiffany Hamilton knew as a college student that she would one day be an entrepreneur. With that in mind, she made sure to enlist the help of a financial planning company when she bought her first life insurance plan at 21, as she was just getting her start in real estate.

 

Why Buy The Wrong Kind Of Policy?

 

That first policy was a $20,000 term-life plan that cost her about $80 a month. When her salary increased, she decided she needed more coverage than that. As a single woman with a burgeoning business, she wanted to make sure she had enough coverage to take care of any debts and leave something for her mother.

 

Why Would A 25 Year Old Need $1Million Of Whole Life Insurance?

 

Her insurance representative at the time encouraged her to up her coverage. So at 25, she converted her policy to a $1 million whole life policy.

“I thought by going to a financial planner, sitting down and answering the questions, and then going off of their recommendations, I thought I was doing the right thing,” Hamilton told MagnifyMoney. “Yes, the $1 million would give my mom X, Y and Z, but was that in my best interests?”

Now 35 and running her own real estate business based in Tallahassee, Fla., Hamilton has lately been wondering: Is it possible to be overinsured?

How much insurance is too much insurance?

As we grow in our careers, home life and families, paying for life insurance becomes another one of those obligatory items on our financial to-do lists, like establishing a 401(k) or an emergency fund. But the sheer volume of life insurance options available may have created a unique problem: Some of us might be overly insured. That is, our insurance coverage may be wildly disproportionate to our salaries and overall net worth.

Joel Ohman, a Tampa, Fla.-based certified financial planner and founder of Insuranceproviders.com, said it’s also easy to end up with a policy that has more bells and whistles than you genuinely need.

Generally speaking, life insurance is a type of coverage that provides a payout to a selected beneficiary in the event of the policyholder’s death. This is often called the “death benefit.” Many people aim for a death benefit that includes a payout substantial enough to cover a few years of the deceased’s salary, funeral expenses and any outstanding debts.

Those with families may also want to include money to pay off a house, children’s college funds and more.

Of course, there are other options for anyone who has a large estate, want to make charitable contributions, needs special tax breaks or has other complicated financial circumstances to consider.

“Unless there are complex estate planning requirements or the insured has exhausted all other investment options, then typically the idea to use life insurance outside of a straightforward death benefit payout is a fool’s errand that will only result in a fancier car for your insurance agent,” Ohman said.

The cost of being overinsured

The difference in premiums between insurance plans can be striking, and if you’re not sure precisely what to get, it’s easy to throw up your hands in frustration. But if you simply choose a plan that may “sound right” without carefully exploring all your options, you could easily wind up paying for more coverage than you need.

Most insurance websites include insurance calculators to make it easy to figure out what your costs could be for a variety of different plans. Using State Farm’s calculator for example, a $500,000, 20-year term policy for a 30-year-old woman in Arizona is about $33 a month. Comparatively, a whole-life policy is $460 a month. That’s a difference of nearly $5,000 a year.

In Hamilton’s case, she realized she was paying thousands of dollars more for insurance than she needed to. In 2016, she converted her $1 million whole-life policy into a $500,000 universal-life policy.

“That cut my budget down by almost $10,000 a year,” she said.

John Barnes, a certified financial planner and owner of My Family Life Insurance, said those cost savings can be important for families.

“My take is, you can be doing something else with that money,” he said. “Families today are squeezed. I’m not about to overextend them, I’m going to get them the right amount.” The additional savings, he said, could go toward retirement, college tuition or other financial need.

Ohman said that a simple term-life policy is a great way to get inexpensive insurance that will still take care of most families’ needs.

“When people are looking for pure life insurance, they want to protect their loved ones if something should happen to them, and they want them to be financially taken care of in a worst-case scenario,” he said. “Ninety-nine percent of the time, then, that cheaper term life insurance product is going to be the best fit.”

Chris Acker, a chartered life underwriter, chartered financial consultant and independent life insurance broker in Palo Alto, Calif., said he almost always recommends term-life insurance to his clients, particularly young families.

“If you’re talking about people in their 30s,” Acker said, term insurance “is hands down the best way to go.”

That’s because it’s an inexpensive way to get insurance that provides coverage for your entire family. Plus, you can always get additional insurance later. But he cautions against applying one piece of advice across all situations.

“The bottom line is, there’s no right answer,” he said. “No two cases are the same.”

2 Types of life insurance

There are two main types of life insurance: Term insurance and permanent insurance. When consumers typically think about life insurance, they are looking for an option that will provide their families with financial stability if the unthinkable happens. If you work full time for a company, it’s possible that your workplace has a some type of life insurance policy, often equal to one year of the employee’s salary.

But some experts recommend that families purchase their own insurance plan outside of their employer because employer-sponsored life insurance typically falls short of their family’s actual needs.

Permanent insurance does exactly what the name implies: It provides lifelong coverage. In addition to the death benefit also provided by term-life insurance, permanent insurance also accumulates cash value. But with that added benefit comes pricier premiums.

Types Of Life Insurance

Whole life is the most common type of permanent insurance. With a whole life policy, the premium never changes. Part of the premiums goes into a savings component of the policy, which builds cash value and can be withdrawn or borrowed. That cash value also has a guaranteed rate of return.

Variable life offers the same death benefit, but allows consumers the option to seek a better return by allocating premiums to investments like stocks and bonds.

Universal life lets you vary your premium payments and gives a minimum death benefit as long as the premiums are sufficient to sustain it.

Variable universal life insurance is a sort of mix between variable and universal life, meaning consumers can vary premium payments and can also allocate them among investment subaccounts.

Best for: Those who want a policy that offers cash value and stable premiums. There are also tax advantages to this type of policy.

Best for: Those who want the same advantages as a whole-life policy, plus the option of allocating premiums toward different stocks and bonds.

Best for: Those who want the same advantages of any permanent policy with the option of varying premium payments. For example, those who may want to start with a lower premium that increases as their finances do

Best for: Those who want the option to vary premium payments, but also the option to allocate those payments toward different stocks and bonds.

​​Term-Life Insurance

Term-life insurance provides coverage for a specified amount of time — let’s say 15 or 20 years. Customers pay a premium each month and are covered through the specified term. This is typically the cheapest insurance option.

Best for: Those whose need for coverage will disappear or change at some point, like when a debt is paid or children reach adulthood and go to college. Also good for those looking for a low-cost option.

Even within term- and whole-life insurance, there are additional products you could be offered, like mortgage life, return of premium (in which your premium is returned if you outlive your initial term) and final expense (which covers just funeral expenses). There’s even an option that would provide lifetime protection for your estate upon your death. With all the available options, it’s easy for the costs to add up.

Tips to choose the right life insurance

Use a life insurance calculator. Wealthy families, those with special-needs family members and others in unique situations will also have different insurance needs. Most insurance websites offer calculators to help consumers decide how much coverage to take. The consumer website lifehappens.org also offers step-by-step guidance on choosing insurance, along with a needs worksheet.

Get multiple free quotes. Consumers can also get free quotes from multiple insurers from sites such as My Family Insurance, InsuranceProviders.com and http://myfasttermquotes.com/, which are independent-agent sites for Barnes, Ohman and Acker. Keep this in mind: Getting a quote doesn’t obligate you to work with a particular company or insurer.

Choose the right advisor. It’s also important to understand that hiring an insurance agent or financial planner is just like any other relationship: You want someone who works best for you and inspires comfort. Hamilton said she not only interviewed potential reps this last go-around, she also requested references and asked them about their company philosophy before making a decision. LifeHappens suggests that consumers use referrals to find an insurance provider.

Seek out independent agents. When it comes to actually choosing an agent or financial planner, Ohman suggests looking into independent agents that aren’t tied to a particular insurance company. That’s because a “captive” agent can only recommend those products that his/her company provides, whereas an independent agent can recommend any number of companies. That doesn’t mean they don’t have your best interests in mind, just that they aren’t able to provide customers with options outside their company offerings.

“The only products that they know about, the only products that they’re even allowed to bring to your attention,” Ohman said, are “their own products.”

Understand what it means to be a fiduciary. Another thing to consider is whether the company or adviser you’re working with is a fiduciary. “One of the big advantages you get with working with an insurance agent who has that CFP designation is that they are supposed to be working as a fiduciary, which means they put your financial interests first,” Ohman said.

Those who hold a CFP designation like Ohman are expected to provide fiduciary care to their clients. It’s also perfectly OK to ask your agent if he or she is, in fact, a fiduciary.

By the way, this doesn’t mean that other agents can’t or won’t provide clients with the type of insurance that works best for them. But don’t hesitate to ask if they’re paid on commission and whether a bonus or trip is tied to a particular transaction.

Check the insurance company’s ratings. Once you get a recommendation, he says, make sure the company has at least a A rating or better from independent agencies that rate companies’ financial strength. There are four independent agencies that provide this information: A.M. Best, Fitch, Moody’s and Standard & Poor’s. Do your research and find the ratings from each of the four agencies, because some companies may highlight a positive rating from one agency and play down a lower rating from another agency.

Trust your gut. Barnes said regardless of whom you choose to represent your insurance needs, make sure you have a level of comfort.

“Don’t be discouraged, there are some great independent agencies,” he says. “If it doesn’t feel right during the process, trust your gut.”

That means continuing to be open-minded, but also not allowing yourself to purchase an insurance product you don’t want or can’t afford. During that first meeting or so, Barnes says the agent should spend time getting to know you and your situation without necessarily trying to sell you on a product.

Similarly, Acker says it’s OK to question your agent to make sure you’re getting the best policy for your needs and lifestyle: “Don’t be bullied into buying what someone else says you should buy.”

For her part, Hamilton says she also looked into whether companies were commission- or fee-based. That’s because a fee-based company will charge a set rate, which can ease the worry of having an overzealous rep who may offer expensive products to boost his or her commission.

Because many good policies also offer a conversion option, you’re not “stuck” forever with something that doesn’t actually work for you. That means you have the option to change policies, as Hamilton did. Some consumers also choose to buy additional policies down the road.

But, and this is key, you shouldn’t let uncertainty or the fear of overpaying keep you from getting at least a simple policy.

“Think about today — the immediate need; protect that right this second,” Acker says. “Then that gives you time to work on your financial planning. Then you can figure out if you want to keep the insurance.”

If you want to see how much money you can save on life insurance premiums, hit the quote button below and run some numbers for yourself!  You get instant quotes that won't cost you anything!

Stay-Home Parents Don’t Need Life insurance? Really?

life insurance for stay at home parent

Life Insurance For a Stay At Home Parent

 

Why would you spend money to buy life insurance for your husband if all he does is stay at home and take care of the kids?

 

We've all seen "Mr. Mom" with Michael Keaton in the 1980's where he plays a recently laid off dad who has an advertising executive wife who happens to be very successful.  If you haven't seen the movie, you should, it's really funny!

 

In the movie Keaton portrays a mid-level worker who gets laid off and decides to stay home with the kids and let his wife go to work--classic role reversal.  he makes the mistake of saying "it's easy, I'll handle to kids, no problem".  We all know where that goes...

 

Anyway, needless to say he has no idea how much things cost and how difficult the life of a stay at home parent truly is.  He ends up loving his new role, but not until he makes every "guy mistake" on the planet first.

 

So, what' s  "Mr. Mom" have to do with life insurance?  Plenty!  you may be wanting to save a little bit of money on your life insurance premium and just forgo insuring your spouse--big mistake.   Take a look at this summary of costs.

 

Aside from being pretty funny, you can see that kids cost A LOT of money to raise!  What would happen if your spouse were gone and you needed to pay for all of the items he did for the family?  In my area of Silicon Valley, the price of a full time nanny excess $75,000 per year and more-staggering!  So you can see that "a million dollars just doesn't go as far as it used to"!  By that I mean that if you took a million dollars and invested it you could replace your non-working spouse for about 15 years.  If you have young kids, that's something to think about.

 

The price of cheap term insurance is so low that, if you're in good health and 35 year old male, a 20 year term policy would cost roughly $650-$800 per year.  A comparable policy for a women would cost about 30% less.  That's a very small price to pay for the peace of mind that comes from knowing you don't need to worry about paying for the nanny or even taking a year or two off work to be with the kids in case something bad happens. 

Excellent Question! What Kind of Life Insurance Should I Buy?

What Kind Of Life Insurance Should I Buy? Term Insurance!

Duh, Need You Ask?

In 1985, when I first started in the life insurance industry, we didn't really ask "what kind of life insurance should I buy?" because we didn't have the choices we have now.

Annually Renewable Term life insurance—ART

There was only one type of term insurance policy available- ART, or "Annually Renewable Term" insurance. Of course we had whole life insurance and the new "Universal Life" insurance, but those policies were typically more expensive and used for different purposes than buying the most affordable life insurance to provide maximum value for families.

ART policies featured premiums that started out low and increased each year at renewal time. Imagine a 45 degree angle where the left hand axis is the premium payment and the right hand axis is time and you'll understand that ART policies become unsustainable pretty quickly. These policies were used as an entryway to longer term products, most notably whole life insurance, which features high premiums, but builds cash value over a period of time. You could, however, switch into one of these whole life policies without proving good health, a feature called a "conversion option".

Enter The Conversion Privilege

The conversion privilege for a term insurance policy means that you can make the switch to a permanent life insurance policy without proof of good health. Chris Huntley, a colleague of mine, has put together a really nice resource for you to read about term insurance conversion and why it's important to make sure your policy has this feature.  One other major resource Chris has is a definitive guide to how brokers select the best life insurance carriers for their clients.  I actually use this resource of I have any questions about a good fit for a specific carrier/client.  

Level Premium Term life Insurance—Life Insurance Heresy!

In the 1990’s insurance companies began to understand that it would be wise to create term insurance policies that didn't require increased premiums each and every year. I remember the first level premium term policy I saw was a three year level premium term insurance policy and that seemed SO revolutionary! It made sense that policyholders would want to keep term insurance instead of expensive whole life insurance, especially here in Palo Alto or the Bay Area, where housing prices and incomes were rising very quickly and folks realized that they needed larger and larger amounts of term insurance to replace the income of the main breadwinner or to pay off a large mortgage at death.

So, after the history lesson, you're asking, "ok, so what kind of life insurance should I buy"? Well, since you've probably searched for life insurance in Palo Alto, or maybe life insurance broker in Palo Alto, or any other Google search terms, then it's fair to say you probably live in the Bay Area, or California. If that's the case, then I firmly believe that you should buy the most cost-effective term life insurance possible to protect your standard of living for your family. With the California economy seeing massive price increases, a cheap term life policy is the only way to go...Especially since term insurance costs less than a new cell phone these days!

Get Term Life Quotes Any Time 24/7

Go to the right side of this page and get your free INSTANT term life insurance quotes.  See how easy it is to protect those you love, even if you have a medical problem!

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Excellent Question! What Kind Of Life Insurance Do I Need?
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