If you have purchased a health insurance plan you may want to consider adding a life and disability policy to your health coverage. Most people do not realize just how important life or disability insurance is until they need it. If you have a family, you will need to make sure that they are prepared in the event that something should happen to you.
It is important to understand your options and the terminology that will be associated with your life or disability plan. This will assist you in finding the best level of coverage for your needs.
Life insurance coverage begins at $10,000. This is the usual minimum amount of life insurance coverage and if you cannot afford a higher level of coverage, it can be useful. A good guideline to follow when looking for a life insurance plan is to find a level of coverage that is comparable to your current annual income. This will help you family get on their feet, and have at least a year of the income that they are used to coming in.
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