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Compare and Contrast: Term vs. Permanent 

Compare and Contrast: Term vs. Permanent

Article Description:

When faced with the wide range of life insurance coverage available, you may wonder which type is best suited to your needs. As the years go by, it will be important to review and update your plans, as you will likely find that your coverage needs will evolve with your changing life goals. There are two basic types of coverage—permanent (sometimes referred to as cash value) and term life insurance. A closer look can illustrate the short- and long-term benefits that each provides.

 $19.95



Disability Income Insurance: Key Policy Features 

Disability Income Insurance: Key Policy Features

Article Description:

Prospective insurance buyers are often confused about disability income insurance because the features and benefits vary widely from one policy to another. Essentially, there are a few key elements that could make a big difference when you make your choice. If you are in the market for disability income insurance, here are some of the things you should consider.

 $19.95



Inflation and Your Insurance Coverage 

Inflation and Your Insurance Coverage

Article Description:

When Carol and Josh purchased their life insurance policies 20 years ago, they thought they did things the right way. They assessed their insurance needs, taking into account their home mortgage, the projected college education costs of their children, and their living expenses. Well, that was then… and this is now.

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Insuring a Stay-at-Home Parent 

Insuring a Stay-at-Home Parent

Article Description:

The job of homemaker can be rewarding, and the care a stay-at-home parent provides is invaluable to his or her family. However, when it comes to calculating life insurance needs, many families obtain only coverage for the primary breadwinner. They may not want to consider that the death of a stay-at-home parent would not only be difficult emotionally for the family, but could also create financial challenges for the surviving spouse and children.

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Life Insurance: Analyzing Your Needs 

Life Insurance: Analyzing Your Needs

Article Description:

You probably are aware it is important to have enough life insurance coverage to handle the financial contingencies that may affect your family in the event of your death. However, determining the necessary amount of life insurance can be complicated. One general rule of thumb is that you should have enough life insurance to equal five to seven times your annual salary. However, to be more specific, you may want to determine the “right” amount of life insurance coverage with a careful “needs analysis,” rather than using an arbitrary formula.

 $19.95



Life Insurance and Divorce: Protecting Your Family’s Future 

Life Insurance and Divorce: Protecting Your Family’s Future

Article Description:

Sometimes in life things don’t work out as we plan. One of the most trying examples of this is when a couple decides they can’t make their marriage work and, subsequently, file for divorce. Divorce takes a significant financial and emotional toll on both parties, their children, and other family and friends. In the midst of the immediate financial and legal concerns, couples need to look beyond the present to help ensure that their financial futures are secure and that the future needs of children will be provided for in the event of an untimely death. Life insurance may offer a solution.

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Life Insurance through Life Stages 

Life Insurance through Life Stages

Article Description:

You have taken the first step, and have selected a life insurance policy that meets your coverage goals. Before you put that policy in a drawer to gather dust you must remember that life insurance needs change when you reach life’s various milestones. In order to ensure your coverage continues to meet your needs and stays current, you must review your policy throughout the years on a regular basis.

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“Living Value:” The Other Side of Life Insurance 

“Living Value:” The Other Side of Life Insurance

Article Description:

Many people may think of life insurance—in its simplest form—as a means of securing funds to cover financial obligations, such as a mortgage, or to replace income in the event of the death of a family breadwinner. It’s no wonder that the death benefit under a life insurance policy is often its most important and most well-understood feature. However, not all policies are the same. With a permanent life insurance policy, also known as a cash value policy, there is typically a component that allows cash to accumulate, and it may be used to help supplement a number of financial objectives, such as a retirement plan or a child’s education. Because permanent insurance may be used to supplement a savings program, it has a “living value” in addition to the traditional death benefit feature.

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Strengthen Your Ability against Disability 

Strengthen Your Ability against Disability

Article Description:

You value your assets, but how much money do you spend to protect them? Most of us have automobile insurance, homeowners insurance, and possibly, additional coverage for items or collections of particular value. While your assets may be worth a sizable amount, their liquidity and income-producing value may be negligible.

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