You may be able to trade lots of term insurance coverage policies for a cash worth policy during a conversion period even if you are not in excellent health. Premiums for the new policy will be greater than you have actually been paying for the term insurance coverage. Irreversible insurance (such as universal life, variable universal life and entire life) offers long-lasting monetary security.

It's not about you. Life insurance coverage is something you do to safeguard those you like so they don't suffer financially if your earnings is no longer there. Life insurance coverage can be the only thing that stands in between your liked ones and financial difficulty. Life insurance coverage is required for the "what-ifs" in life.

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