Life Insurance Isn’t For the People Who Die, It’s For the People Who Live

Michael, 32, was a fit and healthy family man. As he left to run a 10K race, he kissed his wife, Traci, good-bye along with newborn Calvin and “big” sister Josie. He never made it home. As he crossed the...
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Life Insurance for Your Children: How Does It Work? Do You Need It?

Life insurance is one of the things that often comes up at important times in your life, when you get married, buy your first home or have children. Who needs life insurance is a question you might find yourself asking,...
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Real Life Stories – Protection During a Financial Storm

Being a small-business owner is rewarding. It gives you the freedom to do what you love and to control your destiny. This appealed to Mike Jaap, who took a wealth of experience and built a metal recycling business. It paid...
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10 Ways You Can Use Life Insurance

Life insurance is designed to protect your family and other people who may depend on you for financial support. Life insurance pays a death benefit to the beneficiary of the life insurance policy. Over the years, life insurance has also...
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Real Life Stories – It’s About Family

Jenny was single and in her 20s, but that didn’t mean she wasn’t thinking about the future. In fact, she knew she wanted to have a family one day and that saving for retirement—even this early on—was a priority. More...
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When To Buy Life Insurance

Life insurance is somewhat opposite of automobile insurance. Rather than having high prices at a young age that reduce as you get older, life insurance begins inexpensive and becomes more costly as you age. The reason being is quite simple:...
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Video: The Purpose of Life Insurance

Learn about the various uses of life insurance including income replacement, supplemental income, final expenses, paying off debts, and long term care or chronic illness. More...
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Farm Families: Using Life Insurance in Estate Planning

Farm families can use life insurance to smooth the bumps in a transition from one farming generation to another. Done right, it provides funds not subject to estate taxes. It can help farming heirs buy out at least part of...
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Hybrid Life Insurance Policies Increasingly Popular As Long-Term Care Funding Strategy

While traditional stand-alone long-term care insurance (LTC) products have seen a drop in popularity in the past several years as a result of companies leaving the marketplace and of spiraling policy premiums, life insurance-backed long-term care financing strategies have experienced...
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Why Some People Should Have Two Or More Life Insurance Policies

You need life insurance if your death would hurt anyone financially. For many people, one policy is enough. But for some, two or more make sense. Your needs should drive the number and type of policies you buy. More...
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