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Posted by Don on July 2, 2009, 10:31 pm
> When you buy life insurance, you want coverage that fits your
> needs.First, decide how much you need - and for how long - and what
> you can afford to pay. Keep in mind the major reason you buy life
> insurance is to cover financial effects of unexpected or untimely
> death. Life insurance can also be one of many ways to plan for the
> future.Next, learn what kinds of policies will meet your needs and
> pick the one that best suits you. Then, choose the combination of
> policy premium and benefits that emphasizes protection in case of
> early death, or benefits in case of long life, or a combination of
> both.
I should think one very important point should be added to the list:
Learn about differences in costs of insurance products offered by
different companies. Then shop around, being careful to compare
equivalent products and not apples to oranges. Examine closely the
costs of the indexing feature of annuities in comparison to growth
possibiities of other financial products. Make good use of the
internet. Ask many, many questions and do much research before you buy.
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