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Keyman Insurance For Your Business

Insuring a Key Employee Can Protect Your Small Business

Keyman Insurance protects your Business

Small business owners like you know the value of an employee who makes the company tick. She’s the person you and everyone else rely on and the key person who plays a crucial role in the daily operations and future success of your company. To protect your investment and long-term financial goals, you should consider a keyman insurance policy.

With a keyman insurance policy, your company is the beneficiary. In the event that a dedicated and trusted employee dies unexpectedly, or becomes disabled, you can count on financial support to fill the gaps. Too often, the passing of an essential member of the company spells disaster for a small business. A key man insurance policy provides crucial financial relief during a time of loss that affects you and your employees.

The Team MVP is a Valuable Asset to Your Company

Keyman insurance is a policy owned and paid by your company to cover one irreplaceable staff member. Policies generally refer to life insurance, but may include disability coverage, too. Both types of  insurance can help offset the costs of an unexpected loss or absent employee.

When choosing your key employee, you should rely on individual knowledge related to performance and skills. Every employee is a valuable asset to your company, but in some instances, there's one or two especially essential people who play a major role in the company by making vital and sustaining contributions. The key employee you choose to insure may be the person who:

  • creates direct earnings and profits
  • secures and develops relationships with important clients
  • possesses a special talent or knowledge that drives your business

Because of the employee’s special influence in daily business operations, replacing her may be especially costly. Your keyman insurance policy will account for any potential loss, enabling your company to rebound following a death or disability.

Plan Coverage Around Your Business Needs

When you’re shopping for a key man policy for your small business, consider these factors:

  • What will it cost to hire and train a new employee?
  • Will there be a loss of productivity and income?
  • How much can the business afford in premiums?

Ask your agent for a variety of different quotes and options from whole life to term policies. Remember, you’re protecting an investment you created. Other employees and people in the community depend on you to be able to keep going — even after a tragedy. You can’t plan for every unexpected event, but you can be prepared.

Sometimes the death of a close employee may present hidden or unforeseen expenses. Know your company and your employees. Consider how other team members, regular customers, and the employee’s family will react when planning how your business will carry on.

It is impossible to put a price on human life, or an individual’s valuable contribution to your business. However, being prepared with an affordable policy and added coverage can reduce the impact of an unexpected and untimely death.

Key Person Insurance Demonstrates Your Compassion and Responsibility

Purchasing a life insurance policy on an employee is more than just smart business practice; it is a demonstration of personal involvement and appreciation for an individual’s contributions to your company’s goals. Additionally, it shows your compassion and a human consideration for unexpected life events that may affect everyone close to your business and employees.

There are many personal stories about businesses responding to the loss of a standout employee. Advance planning with key man life policies will enable you to go the extra mile when tragedy strikes. In the end, offering a family some unexpected financial assistance, providing for a survivor’s special needs, or allowing other employees the opportunity to grieve by taking time off will be the greatest benefits to your business.

Insuring a Key Employee Can Protect Your Small Business

Source: Pexels

Source: Pexels


Didn't Try To Upsell Me!

I found Chris when looking for life insurance brokers. I knew exactly what I wanted and told Chris and he was able to deliver without trying to upsell me on something else. It was very straightforward and exactly how I hoped it would be. I would definitely recommend him for anyone in a similar scenario.

Nathan Netravali Associate Director of Clinical Applications at Think Surgical

Expert Advice and Honesty

Chris brings expert advice and honesty to every project we work on. He gets things done in a timely manner and does an excellent job following up.

Brad Branson Partner/Investment Adviser- Cornerstone Capital, Inc

If you need an insurance professional who knows the industry, listens to your needs and works hard for you, Chris is your man.

If you need an insurance professional who knows the industry, listens to your needs and works hard for you, Chris is your man.

We have trusted Chris with all our insurance needs for several years. He always listens and understands our needs completely and then works hard to design a policy that best fits our needs. He is very personable and easy to work with.

Sanjeev Dharap Architect, Entrepreneur, Technical Advisor

CB Acker Associates Is Extremely Responsive

Chris provided (and continues to provide) excellent service and support for our insurance needs. He is very responsive, knowledgeable and provides specific and efficient solutions to our insurance needs. I highly recommend Chris!

Antonio Altamirano Founder, CEO at Tangelo

I’m a Senior Citizen and I Forgot to Buy Life Insurance In 2017!

I’m a Senior Citizen and I Forgot to Buy Life Insurance!

Have you retired and realized that you don’t have the life insurance coverage you want or need?

We all make mistakes and in our busy daily lives, forget to attend to some of life’s most important details. Age can be a sudden reminder of what we were supposed to do.

Don’t be embarrassed…buying life insurance is something many people ignore or put off. Perfect financial planning doesn’t happen when we want it to, and we wake up one morning in a panic.

If you’re 55 or older, you may think life insurance is out of reach. High premiums, medical exams, and pre-existing conditions are not insurmountable. There are different options for seniors like you to make life insurance possible and affordable.

So whether you have a new grandchild you want to provide for, or you’re thinking of another personal reason to buy now, there are many choices to consider.

Is it Too Late to Provide for My Family?

It’s no surprise that a lot of senior citizens have questions about life insurance. A top concern is that it’s too late to purchase a policy. It’s crucial to remember is that it’s never too late to consider life insurance as part of a sound financial plan. Providing for your family is too important to give up because you think you may have missed a deadline.

Life insurance protects your family’s assets from a wide range of final expenses, and you’re never too old to make sure they have the financial resources for:

Funeral, burial, and cremation costs

Outstanding debts like a reverse mortgage or a forgotten credit card

Unexpected medical bills not covered by Medicare or insurance

Just last year, the cost of a funeral in the U.S. was more than $11,000. Imagine leaving your loved ones without life insurance to cover those expenses and others. Bills can burden surviving spouses, children, and other family members. Before you decide it’s too late to purchase a life policy, get the facts and protect the ones you love.

You Can’t Plan for Everything When You’re Young

Everyone shops for insurance when they’re young. That’s the old way of buying insurance.

Mature adults like you are retiring later and living longer. Life goes on after 60 and sometimes seniors may not have expected another 20 years. They may have special financial concerns not related to survivorship, or be enjoying the best years of their lives.

There are many reasons that today’s older adults are looking at life insurance:

Newly acquired debt — whether it is a new RV purchased to travel the country or a credit card used for a few extravagant perks, a life insurance policy will ensure that your estate does not end up in the red.

Legacy planning — did you discover a new passion late in life that deserves support? Many seniors today are establishing trusts, scholarships, or other charitable contributions as an ideal way to make a lasting difference.

Disabled relatives — when a child or family members suffer a sudden and catastrophic health problem, life insurance can provide the financial security and help close the gaps left by medical bills.

We all know that life can move fast. Priorities change and plans go out the window. You’ve earned the right to change your mind and make new plans — no matter what your age.

Discuss your special needs with an insurance agent to find out how to adjust your financial planning to fit your new senior lifestyle.

Explore the Market

By now, you’ve probably watched enough television ads on nightly television. They promise affordable premiums and benefits supposedly tailored to meet your needs, but do they really know you or the reason you’re buying insurance?

With age comes wisdom, and it’s always better to investigate before you settle on a 1-800 number answered a thousand miles away. You waited this long to find the right policy, so there’s no need to rush into a product that won’t meet your needs. Remember, it’s never too late to take the time to find the insurance option that suits you.

I’m a Senior Citizen and I Forgot to Buy Life Insurance!

Expert Advice and Honesty

Chris brings expert advice and honesty to every project we work on. He gets things done in a timely manner and does an excellent job following up.

Brad Branson , Partner/Investment Adviser- Cornerstone Capital, Inc

Didn't Try To Upsell Me!

I found Chris when looking for life insurance brokers. I knew exactly what I wanted and told Chris and he was able to deliver without trying to upsell me on something else. It was very straightforward and exactly how I hoped it would be. I would definitely recommend him for anyone in a similar scenario.

Nathan Netravali , Associate Director of Clinical Applications at Think Surgical

CB Acker Associates Is Extremely Responsive

Chris provided (and continues to provide) excellent service and support for our insurance needs. He is very responsive, knowledgeable and provides specific and efficient solutions to our insurance needs. I highly recommend Chris!

Antonio Altamirano , Founder, CEO at Tangelo

if you've already worked with us, please let us know how we did for you and what we could do better. 

please take a minute to complete the form below--it truly helps us improve our process!

In couple of sentences, could you please describe how you found us?
Could you please describe how much research you did before choosing to work with us? Why did you decide to work with us when you have many choices in this crowded term life insurance space?
In a few words please tell us about our process--how easy or difficult was the policy underwriting process--medical exam, scheduling, forms getting signed- any issues or positive thoughts?
What could we do better?

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


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?

Are You Paying More For Life Insurance Than you Should?


I was featured in an article by Crystal Brown for 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, 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 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, and, 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!

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

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Excellent Question! What Kind Of Life Insurance Do I Need?
Protect those you love with term life insurance
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