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Articles by Dwayne Nawrocki |
31. Annual renewable term life insurance policies
November 16, 2011
Term life insurance is a policy option that provides coverage with fixed rate payments for a period of time or relevant term.
The simplest and most basic form of term life insurance is annual renewable term, which is term life insurance for a year. The lump sum payout would be paid by the in...
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32. What affects the cost of your life insurance premiums?
November 16, 2011
The money you pay each month or year towards your life insurance policy is called a premium. There are many factors that can adversely as well as positively affect the cost of your life insurance premiums. Several factors are taken into consideration when companies are deciding how much your premiu...
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33. Life Insurance Policies for College Students
November 15, 2011
If you are a college student, obtaining life insurance may be far from anything you are currently thinking about. However, the average age for college students is increasing. Gone are the assumptions that a student has to be someone who recently graduated from high school. Today, students seek highe...
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34. Life Insurance Policies for New Parents
November 15, 2011
If you are expecting your first child, or have recently become a new parent, congratulations! Expanding your family is not only a joyous time, but an overwhelming time for many. One of the many topics new parents often put on their to-do list to explore is that of life insurance. Changes in your hou...
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35. Life Insurance Policies for Seniors
November 15, 2011
Life insurance is important during all phases of life. Young individuals and families require coverage in the event of a premature death, retirees need coverage to bridge income needs for loved ones, and seniors often consider coverage for final expenses, leaving funds to a non-profit organization o...
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36. What is the meaning of Life Insurance?
November 15, 2011
Simply stated, life insurance is a written contract that allows an insured person to designate a certain amount of money to a beneficiary (designated by the insured) upon their death.
Yet, according to a survey review by JD Power and Associates, 40% of people do not have a life insurance pol...
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37. What is Term life Insurance
November 15, 2011
Many people get the phrases “term life insurance” and “whole life insurance” confused. Still others don't really know what it means at all. The key answer to the question, “what is term life insurance?” is given right in its own phrase—the word “term.”
Term life insurance, simply put, is a s...
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38. What are the Advantages of Term Life Insurance Policy?
November 15, 2011
There are two main types of life insurance—whole life and term life—and both have a number of advantages over each other, depending on what specific needs any individual has. There are a number of benefits to taking term life insurance, however, that make it preferable for many over whole life insur...
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39. Why is term life insurance policy more affordable than whole life insurance policy?
November 15, 2011
The two main types of life insurance—term life and whole life—are certainly at different levels. Term life is, as its name implies, only carried for a period of time (a “term”) prior to expiration. But a lot of people wonder why term life is so much cheaper than whole life (once they're made aware o...
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40. What does term life insurance policy cover?
November 15, 2011
Term life insurance is a direct policy that, simply stated, pays out a death benefit (sometimes more gently referred to as a “survivor benefit”) if the insured person dies during the time of the policy. Unlike whole life insurance policies, there is no investment component, and no interest paid on p...
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