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Term Life Insurance

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With your signature, you can create the necessary funds when you are young to allow your family to maintain the home you and your wife purchased, provide college educations and keep the lifestyle they would have had if you survived.  Most young people do this with term insurance.

The error of most financial advisors has been the lack of respect for whole life insurance. Many have said the need for insurance is gone after the children are gone. More and more we are finding that couples rely heavily on Social Security as the foundation for their retirement income. What they fail to understand is that upon the death of a spouse from 1/3 to ½ of the Social Security benefit is lost and the loss of income is a severe blow to the survivor.  A whole life policy can help provide some if not all the funds necessary to replace that income.

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