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  • Term - Coverage length 10 - 30 yrs., best acquired between ages 18-65, medical exam not always needed, does not build cash value, can yield a death benefit of $100k+ with a fixed rate premium.

  • Whole - Coverage length Life, best acquired between ages 18-65, medical exam needed, builds cash value, death benefit of $50k+ with a fixed rate premium.

  • Universal - Coverage length Life, best acquired between ages 18-65, medical exam needed, builds cash value, death benefit of $50k+ with a flexible rate premium.

  • Variable - Coverage length Life, best acquired between ages 18-65, medical exam needed, builds cash value, death benefits $50k+ with a fixed rate premium.

  • Final Expense - Coverage Length Life, best acquired between ages of 45-85, no medical exam needed, builds cash value, death benefit up to $50k with a fixed rate premium. 

Five Common Policies

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