Life insurance: Finding the perfect fit

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Each life insurance applicant has unique circumstances that require different solutions. The life and disability insurance needs for a 25‑year-old single professional differs from those of a 35-year-old professional with a young family. Before purchasing life insurance, you will want to consider cost, coverage, duration and health exams to find the perfect fit.


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Flue season: Have your fireplace and chimney inspected

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Home heating fires are the second leading cause of home fire deaths after cooking fires, according to the National Fire Protection Association. Fireplaces, chimneys and flues account for a significant number of home heating fires. Homeowners with a wood-burning fireplace or solid fuel stove or insert can protect your property and your family by having a qualified professional inspect and clean your chimney at least annually to prevent a buildup of creosote.


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Fire safety and the older adult

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It’s a sad, but true, statistic that older adults are more likely to die in a home fire than the general population. According to the U.S Fire Administration, adults 65 and older are 2.5 times more likely to die in a fire, and that number increases to 4.5 times more likely when they reach age 85. Although older adults represented 13 percent of our population, they suffered 36 percent of all fire deaths in 2011.


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