Financial questions when applying for life insurance

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You recognize the need for life insurance, but two important questions remain: How much coverage do you need? What information is needed to justify the amount of coverage? Depending on the reason you are applying for life insurance, there are several ways to determine the amount of coverage you need.


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You can’t replace Mom, but insurance can help life go on

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How do you define “mom”? Her value is certainly more than any of the roles she might play: breadwinner, cook, server, dishwasher, psychologist, facilities manager, laundry operator, housekeeper, bookkeeper, daycare teacher, interior designer/decorator, nurse, chauffeur, janitor and computer operator. Mothers are what made your life possible, yet in many cases their role is by far the most undervalued of all positions in which one could serve. We fail to consider what would happen if she weren’t there to handle things.


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Life insurance in the workplace

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Good benefits can increase employee satisfaction. If you are an employer, providing valuable benefits that can be paid via payroll deduction can give you an edge when trying to attract and retain workers. Life insurance is one benefit you can offer in the workplace at a reasonable cost.


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Conversion privileges:
Invaluable life insurance benefits

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You made the most important step. You recognized a need in your financial safety net and purchased term life insurance. Now time has passed, and your situation has changed. Perhaps your income increased, you purchased a home or you started a family. Your coverage needs constantly evolve. These changes may provide an excellent opportunity to leverage a powerful benefit of your policy: the conversion provision.


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