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Choosing the right life insurance policy Two questions present difficulty for most life insurance buyers: How long do I need coverage? These policies carry minimal cash value and allow for flexible payments of any amount at any time up to certain government-stipulated maximums. How Much Do I Need? Life insurance can be used: The policy only pays a death benefit if the insured individual dies before the policy expires. Additionally, your age and income have a direct bearing on your life insurance needs. slots online no deposit automaten spielen online

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