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what you should know before buying life insurance
throughout its recent history, life insurance has been a paradox for many people. it’s greatly appreciated when it is needed most, at the death of a breadwinner, and it’s dreaded when it is being contemplated to fill a need. few consumer products are the object of such a love/hate relationship as life insurance. the thought of buying life insurance is not something that most people relish, yet, if it is done right, it can provide the greatest peace-of-mind a person can have. the key is to do it right. following this helpful advice for buying life insurance.
the focus of the life insurance purchase needs to be on what it will actually do for you and your family..
calculate, don’t guess, the.
buy the right kind of policy
life insurance comes in several forms and it is very important to match the right kind of policy with your situation and need. there are two basic forms of life insurance, term and cash value.
term life is for those who think that their need for life insurance will only be temporary. if you can be assured that the need for life insurance will not exist after a period of time, say 20 years, then term can be the most cost effective way to provide protection. if, for any reason, the need might continue then it may not be the best way provide long term protection.
cash value life insurance provides for permanent protection and, when it is recognized that the need for life insurance may continue for a long period of time, it can actually be the more cost effective way to provide long term protection even if you should become uninsurable at some point.
find a reliable agent
the part of the life insurance purchase process many people dread is having to deal with a life insurance agent who may try to push products and life insurance amounts that you don’t need. while there are a lot of inexperienced insurance agents out there, there are also some very qualified and conscientious insurance professionals to be found.
nobody wants to feel as though they paid too much for something, especially their life insurance. working with brokers or insurance comparison sites on the internet, you can compare policies for the lowest premiums, the best cash value returns, and the lowest expenses..
consider combining life insurance policies for maximum coverage. by combining a permanent, cash value policy, for your long term needs, with a term policy to cover the more immediate dependency needs of your children, you can stretch your coverage with a lower investment.
summary
the life insurance purchase doesn’t have to be a dreaded event, and it is certainly not a necessary evil when you consider that it is the ultimate expression of your love for your family. making a few good decisions based on your actual need and situation can actually make the process easy and very fulfilling.
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user
I counted 75 "f"s in that text.
assistant