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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. Life insurance can be divided into three basic categories: Website Design by Techeffex. The completed application is then sent to you for review and signature. Whole Life Insurance — These policies guarantee coverage up to a certain age usually age 95 or and provide cash value, which means that they can be liquidated for cash in the event the insurance is no longer needed. There are four parts to a life insurance contract:

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Book of Ra - Novomatic - New 2014 HD How Much Do I Need? To put your contract in force, sign the offer and return it with your first premium payment. How long do I need coverage? The policy owner is responsible for paying premiums in order to maintain the policy in force. If you would like for us to explore other carriers, please ask.

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