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Life Insurance Frequently Asked Questions


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  1. Protection...Just In Case!
  2. Guaranteed Insurability!
  3. Low Cost!
  4. Buying through work.
  5. Buying on your own.
  6. What is Long-Term Care Insurance?
  7. Who needs Long-Term Care Insurance?
  8. What are the odds I'll need Long-Term Care Insurance?
  9. Can I afford Long-Term Care Insurance?
  10. How can i keep my premium costs down?
  11. How much Life Insurance should I have?
  1. Protection...Just In Case!

    Statistically, you're unlikely to die in your 20s or 30s. But the truth is, there's no way of knowing for sure. That's why you should buy life insurance as soon before the need arises. You may become engaged to be married or decide to have children. This coverage should be there to protect those you love.
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  2. Guaranteed Insurability!

    When you're young and healthy, your insurability is at its peak and you'll be rewarded with preferred or even premier rates. If you wait too long, there's a chance that health problems could compromise your ability to afford or to even obtain coverage.
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  3. Low Cost!

    All forms of life insurance get more costly as you get older. So if you that you'll need coverage soon or already have a need, you can lock in a low rate now and rest easy in the years ahead knowing your loved ones are protected.
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  4. Buying through Work?

    Typically, your employer's "basic" life insurance benefit provides coverage equal to one or two times your annual income. many companies offer the option of purchasing supplemental coverage, often through an automatic payroll deduction. This is convienient, and you may be able to obtain the extra coverage without having to answer any questions about your health, a big plus if insurability is a concern.
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  5. Buying on your Own?

    You can choose from among products offered and never need to worry about losing coverage if you change jobs. You may also be able to get coverage more affordably, especially if your health is good. Why? When you buy on your own, the price usually depends on personal risk factors. In a work plan, the rate often depends on the health status of employees in your age bracket, many of whom may not be as healthy as you are.
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  6. What is Long-Term Care Insurance?

    Insurance that will help pay for assistance with activities of daily living (ie due to disability or chronic medical condition, such as Alzheimer's).
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  7. Who needs Long-Term Care Insurance?

    Most people because the cost of long-term care services can quickly deplete your life savings. For instance, eight hours per hours per day of home health care can cost $55,000 annually and full-time nursing home care now averages close to $75,000 per year.
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  8. What are the odds I'll need Long-Term Care Insurance?

    There is about a 70% chance you'll need some type of Long-Term Care after age 65.
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  9. Can I afford Long-Term Care Insurance?

    Most pepole can, especially if they buy when they're younger and in good health.
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  10. How can i keep my premium costs down?

    Buying when you're younger is one way. More limited coverage, such as a longer elimination period or shorter benefit period, will also reduce your premiums.
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  11. How much Life Insurance should I have?

    When you pass away, your loved ones won't be concerned about what type of life insurance you had or whether your policy included any special provisions or features. They'll just want to know the answer to one question: Is there enough?. The proceeds will be needed for many things - funeral expenses, retiring of credit card and other debt, and to support loved ones for years to come. But how do you know if you need $250,000, $500,000, $1 million or more?

    A good place to start is with the Online Life Insurance Needs Calculator.
    Just remember that an online calculator is no substitute for the advice you'll get by meeting with a life insurance professional who can help determine how much you'll need to protect the ones you love and achieve the goals you wish to achieve if you were still surviving.

    Contact The Solomon Group today and speak to a professional advisor who can help guide you through the process of determining your specific needs.
    512-200-2451

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