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Life Insurance:
Life insurance should be used to cover debts and liabilities you currently have as well as ones you expect, such as final expenses. Life insurance should also be used to provide replacement income for your family as well.
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Life Insurance death benefits are passed on generally tax free to your beneficiaries and do avoid probate.
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Types of Life Insurance
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Term Insurance: Is similar to Automobile Insurance in that as long as you pay a premium, the life insurance company promises to pay a death benefit to your beneficiaries. Generally this promise goes for a specific period of time, from as little as 5 years up to 30 years.
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Permanent: Permanent Life Insurance provides coverage like term does, but also has an element of savings with a Cash Value savings account. Part of the premiums that you pay go to pay for life insurance with the remainder going into the cash value savings account.
There are many kinds of permanent Life Insurance policies out there from: ​Whole Life, Universal Life, Variable Universal Life, Indexed Universal Life.
All Life Insurance Solutions Are Provided by iWG
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