Why Buy Life Insurance?
Life insurance is generally offered as part of a benefits package with employment. For the most part, however, these policies are rather small, usually in the ten thousand dollar range. People buy life insurance policies so that their families will not have to bear financial burden when a loved one passes on.
There is another reason to buy life insurance, however, and it is the life insurance settlement. Your life insurance policy can be settled for a large sum before the end of your lifetime, though many people are not aware of this. Others buy life insurance specifically with this reasoning in mind.
Purchasing a Life Insurance Policy
Though it may sound strange, its actually a good idea to buy life insurance while the policyholder is still in good health. Rates are usually cheaper when this is the case, which makes buying a life insurance policy a whole lot easier. Also, rates are less expensive if you buy life insurance while still young. If youre young and in good health, its actually the best time of your life to purchase a life insurance policy as strange as that may sound.
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