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The completed application is then sent to you for review and signature. However, this rule of thumb does not account for current assets or any special needs you and your family may have. The policy only pays a death benefit if the insured individual dies before the policy expires. Lord of the Ocean. Life insurance can be divided into three basic categories: Notify me of follow-up comments by email. Your email address will not be published. The amount of coverage you select should be equal to the financial loss which the death of the insured will impose upon you or your beneficiary and many Industry experts recommend that you purchase 8 to 12 times your current annual income. Term Life Insurance — Provides coverage for a fixed duration of time e. Lucky Lady's Charm deluxe. If you would like for us to explore other carriers, please ask.

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Leave a Reply Cancel reply Your email address will not be published. The policy owner is responsible for paying premiums in order to maintain the policy in force. Notify me of follow-up comments by email. Buying life insurance typically takes weeks. We are licensed to sell Insurance Products in the following states:

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