• An insurance adviser or broker is essentially your trusted liaison to a variety of financial products and services. They are usually the ones on the [...]

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    Certain types of permanent insurance policies may carry a penalty, like a CD, so find out about this before you commit to it. If you have a simple [...]

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    It's like changing your motor oil every 3000 miles. If you don't do it, you may discover your car no longer works when you need it most. Most people [...]

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    First, if your mortgage is much more than the coverage on your existing policy, see if it's practical to raise your coverage. If that doesn't work, [...]

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    By carefully determining what your goals are. Insurance can be about cash-replacement due to unforeseen circumstances, but can also serve many other [...]

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    Term, if you only want coverage for a temporary period. Permanent, if you want coverage until you die. Remember, permanent also builds cash value and [...]

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    An insurance adviser or broker is essentially your trusted liaison to a variety of financial products and services. They are usually the ones on the [...]

    Read more

    Certain types of permanent insurance policies may carry a penalty, like a CD, so find out about this before you commit to it. If you have a simple [...]

    Read more

    Everything – including your age, the amount and length of coverage, your health, smoking, the carrier and a host of other factors. This is where an [...]

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    Each carrier has a rating, usually A – F. Make sure your carrier has at least an A+ rating, which means it has excellent financial strength and [...]

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