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Life Stages: Young Families

by Currence in July 15th, 2010   

The first step in establishing your financial security is to confront the biggest threats to it. That requires asking yourself some tough questions: What would happen if you or your spouse became sick or injured – or died? What if you lost your job? What if your home was seriously damaged in a storm or [...]

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Term to Age 90 Life Insurance

by Currence in April 21st, 2010   
Topics: Insurance, Insurance tips     Tags: , , , , ,

As its name implies, Term to Age 90 is pure insurance protection guaranteed renewable each year until the policy owner reaches age 90. Generally a more affordable form of life insurance, term coverage provides pure insurance protection only. It does not accumulate cash value, nor is it eligible for dividends. The premiums for Term to [...]

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Increasing Premium Term Life Insurance

by Currence in April 21st, 2010   
Topics: Insurance, Insurance tips     Tags: , , , , ,

Increasing Premium Term is temporary life insurance protection at an affordable initial premium. This type of policy is renewable each year which means you may renew the policy annually (until the expiry age which varies by state) without providing evidence of insurability, or proof of your good health. As long as you pay the premium, [...]

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Family Protection Life Insurance

by Currence in April 21st, 2010   
Topics: Insurance, Insurance tips     Tags: , , , , ,

Family Protection Life Insurance is a unique product that offers affordable life insurance protection for the entire family under one policy. The policy covers two adults. The premium is guaranteed level for the first 10 years and increases annually after that.
Like all term life insurance policies, Family Protection Insurance offers pure insurance protection. It does [...]

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20-Year Level Term is not available in every state

by Currence in April 21st, 2010   
Topics: Insurance, Insurance tips     Tags: , , , , ,

20-Year Level Term Life Insurance provides affordable, temporary life insurance protection. The premium payment is guaranteed to stay level for the first 20 years. It will not increase or decrease during this time.
Like all term life insurance policies, 20-Year Level Term Insurance offers pure insurance protection and may be ideal when you need life insurance [...]

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Five-Year Term Life Insurance

by Currence in April 21st, 2010   
Topics: Insurance, Insurance tips     Tags: , , , , ,

5-Year Term insurance provides life insurance protection where the initial premiums are guaranteed and remain level for the first five years.
Generally an affordable form of life insurance, term coverage provides pure insurance protection only. It does not accumulate cash value, nor is it eligible for dividends.
5-Year Term can be appropriate when coverage is needed for [...]

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Auto Insurance Buying Do’s and Don’ts

by Currence in March 24th, 2010   
Topics: Insurance, Insurance tips     Tags: , , , , ,

When purchasing auto insurance, there are a number of do’s and don’ts that can mean the difference between paying high or low premiums and paying for too much or having too little coverage. If you want to make buying auto insurance as painless as possible, read through our do’s and don’ts and keep them in [...]

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