| Subject | Date Asked |
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| disability insurance | 9/23/2008 |
Q: I have been receiving permanent disability payments for six years and I am scheduled to receive them ...
A: It's an understandable error to assume that the AIG that is paying your disability is the same AIG ...
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| Life Insurance | 9/23/2008 |
Q: My wife's father recently passed away, and we found a few old life insurance policies. How do I find ...
A: I am sorry for your loss. I get many questions such as this. The fact that there are fifty state ...
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| Long term care insurance | 9/15/2008 |
Q: I'll be 60 years old in 2 weeks. I'm wondering how much long term care insurance I need and about ...
A: First, call a few nursing homes and home health agencies in your area. Major companies such as John ...
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| Equity Index Life insurance | 9/13/2008 |
Q: Is Equity Index Life insurance a good investment VS Term life insurance and put the remaining ...
A: If you are young and healthy, the simple answer is: buy term and invest the difference. The real ...
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| Life Insurance | 9/10/2008 |
Q: My grandmother recently passed away and had sent me a life insurance policy several years ago with ...
A: Medical Information Bureau (MIB) has a policy finder. You will need your grandmother's name, maiden ...
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| life insurence | 9/6/2008 |
Q: , I had just recieved my SSI afther a long waite . I have no life insurence and none on one of my ...
A: If you are eligible to receive SSI (Supplemental Security Income) through Social Security, you are ...
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| beneficiaries | 8/27/2008 |
Q: My mother died in 2005. Her boyfriend forged a marriage license to gain marital assets. I want to ...
A: I'm allowed to give my opinion here, so here goes. Just so you understand that this isn't a ...
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| LIfe Insurance | 7/31/2008 |
Q: I have been paying for life insurance since about 2002, just recently I noticed on my last paycheck, ...
A: This case presents some interesting issues. I'm assuming that this is group term life. If it's ...
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| life insurance | 7/13/2008 |
Q: i have always had life insurance, but have been unclear as to how they work. If for instance i ...
A: Life insurance pays a "death benefit" on the death of an insured person. In most cases, it does not ...
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| Life Insurance Claim Delay | 7/7/2008 |
Q: I opened a life insurance policy on my mother after finding out that she did not have any life ...
A: A life insurance company will automatically investigate any claim that occurs within one year of the ...
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| LIFE INSURANCE | 7/1/2008 |
Q: Hello I wonder if i should take my life insurance policy out it has money in it I have really been ...
A: Carolyn: While the conventional wisdom is that you don't need any life insurance, who would pay for ...
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| Life Insurance/Creditors | 6/5/2008 |
Q: I have a policy through work with my two "children" as beneficiaries (single mom). I'm thinking of ...
A: While I'm not an expert in insurance law, it's my understanding that life insurance proceeds are ...
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| My Mother | 6/3/2008 |
Q: I have a single mother who is an alcoholic. She currently lives by herself and has no insurance ...
A: I can fully sympathize with your situation. My mother was an alcoholic as well. While she was ...
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| Disablity insurance for children | 5/24/2008 |
Q: Dave, I hear stories of children who become disabled playing high school sports such as lacrosse, ...
A: Disability insurance is designed to replace lost time, lost duties, or lost income. These all ...
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| life insurance for international person ... | 5/14/2008 |
Q: Bowman, I am wondering if you knew of any companies that offered life insurance to international ...
A: Most countries have resident life insurance companies that offer policies protecting you if you live ...
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| life insurance | 5/1/2008 |
Q: I am 60 years old and had a couple heart attacks back in the early 90's. But am doing fine and ...
A: Bruce, thank you for the additional information regarding prior attempts at getting life insurance. ...
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| life insurance | 5/1/2008 |
Q: I am 60 years old and had a couple heart attacks back in the early 90's. But am doing fine and ...
A: Bruce: I admire your commitment to your grandchildren. This is the "lost" generation. Your income ...
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| RTA while personally insured but forgot to claim now ended | 4/24/2008 |
Q: its all in the title really, can i make any claim still? the insurance was taken out with ...
A: I'm guessing that RTA means "return to activities." All insurance companies have a time limit on ...
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| Life Insurance | 3/27/2008 |
Q: Can an unmarried, never been married male purchase life insurance and have his brother and/or nieces ...
A: Sure. The main restriction on purchasing life insurance is insurable interest - is there a ...
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| pre-existing condition | 3/19/2008 |
Q: I would like to know if there are any life insurance policies that would insure persons with ...
A: With end stange renal disease your husband would not qualify for life insurance on an individual ...
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| Whole Life/ Suze Orman | 3/12/2008 |
Q: Dave, I hear that Suze has nothing postitive to say about Whole Life. I just heard that her boss ...
A: That's an interesting question. I had not heard anything about her boss buying whole life insurance. ...
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| health | 2/20/2008 |
Q: how i can stop smoking?
A: I'm not a psychologist, but I have some training in behaviorism and have learned something about ...
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| Suze Orman on Whole Life | 1/22/2008 |
Q: Dave, I just read your answer to the man who owns whole life through Knights of Columbus (which ...
A: Marc for the true and kind words. I respect the thoughtfulness behind them. A few notes that are ...
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| Rio Grande national | 1/9/2008 |
Q: I have a policy dated 1/1/62 from Rio Grande National Life Insurance Company. Are they still in ...
A: Nina: Many old insurance companies have been merged into other companies over the years. The best ...
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| Term Life Payouts | 1/5/2008 |
Q: Do you know of recents studies regarding term life insurance payouts? I know that a number of ...
A: I refer you to an article by Arthur L. Williams in the Sept. 1964 Journal of Risk and Insurance. The ...
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| COBRA Insurance | 1/2/2008 |
Q: Need your inputs. I changed my job and on to new Health Insurance from my new company from Dec 01 ...
A: I was a whole-time rep for Principal for twenty plus years, and am now independent. What I suggest ...
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| COBRA Insurance | 12/28/2007 |
Q: Need your inputs. I changed my job and on to new Health Insurance from my new company from Dec 01 ...
A: Kish: Thanks for your question. Because you both had prior coverage you need not worry about any ...
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| Life Insurance Death Benefit | 12/15/2007 |
Q: My spouse is beneficiary on her brothers $100K life insurance. I know that she will receive this ...
A: You probably know this, but gifts to individuals are limited to $12,000 per year without having to ...
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| Required Info on COBRA Insurance | 11/6/2007 |
Q: Greetings. My wife is pregnent now. She is due for delivery in April 2008. I am changing my ...
A: Kish: My suggestion would be to take the new employers coverage for both of you right off the bat. ...
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| life insurance coverage | 10/22/2007 |
Q: Can I get coverage while taking blood pressure medicine. I have it under control. I do not smoke or ...
A: While life insurance underwriting varies somewhat from company to company, most underwriters today ...
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| Disability insurance | 10/18/2007 |
Q: my husband has Crohns disease and has no life or Disability insurance. He is currently working as an ...
A: Most private disability income and life insurance policies require medical underwriting, as your ...
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| Index UL | 9/24/2007 |
Q: I read an answer you gave to an individual asking about investing thier equity in an indes UL ...
A: The purpose of life insurance is to "create an estate in discounted dollars." It is not primarily ...
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| Life policy on grandparent | 8/18/2007 |
Q: Is it possible to take a life insurance policy out on one's grandparent? While initially turned off ...
A: I've not heard of this being done at the prompting of a child or grandchild. However, an insurable ...
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| Globe life insurance | 8/14/2007 |
Q: I recently took out a policy on my husband who is 20 years older than myself. I really didn't do ...
A: Checking the background of an insurance company is fairly simple. The most widely respected company ...
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| Life Insurance Policy | 7/6/2007 |
Q: Bowman: Me and a close friend of mine were going to open up our own engineering company. Due to the ...
A: Robert: Thanks for your kind comments on the ratings portion of this site. Another idea occurred to ...
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| Salary Protection | 6/19/2007 |
Q: I would like to know if there is something called salary protection insurance. If I get disabled, ...
A: Disability income insurance is protection against loss of income, loss of time, or loss of duties. ...
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| Life Insurance Claim | 6/5/2007 |
Q: My daughter's father recently passed away and in his things were 2 life insurance policies that ...
A: There is no reason that the beneficiary of a life insurance policy can't file a claim if the policy ...
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| long term care insurance | 4/4/2007 |
Q: what are some of the ques. i should ask about a long term care policy?
A: First, a website you may find helpful: www.longtermcareadvisors.info Here is what you need to ask: ...
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| LTD SSD & Domestic Partners Retirement | 3/23/2007 |
Q: My Registered Domestic Partner (CA) is on disability through Social Security and LTD (Alliant). He ...
A: Most LTD contracts will offset income received from "primary" Social Security Disability (as opposed ...
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| equity indexed life insurance | 2/26/2007 |
Q: I am considering purchasing a equity indexed life insurance policy for my wife. The main reason is ...
A: Gary: The real issue here is whether life insurance is or ought to be an equity-based investment. ...
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| Do I need a life insurance now? | 12/27/2006 |
Q: I'm a 32-year-old female, and trying to get pregnant, but hasn't been successful yet for the past 6 ...
A: Not taking sides you understand. In my view, you need life insurance if someone depends on your ...
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| EIUL? | 12/22/2006 |
Q: why do I always hear about how not to use life insurance as an investment? I admit I have limited ...
A: This is a complicated question, but I will try to answer it in a way that people can benefit from. ...
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| signatures | 12/19/2006 |
Q: My sister worked for insurance companies for 10 years and I have more than a strange suspicion that ...
A: In answer to your second question, an adult must consent to a policy being taken on his or here own ...
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| Life Insurance | 10/30/2006 |
Q: Do creditors have a claim on life insuarnce proceeds to settle unsecured loans?
A: I am assuming you mean the cash surrender values of a policy prior to death. The general answer, ...
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| Equity indexed Universal Life Insurance | 10/1/2006 |
Q: My husband and I are struggling to pay bills and keep our house. We presently have the house on the ...
A: Linda: You have a lot of questions rolled into one. I am not in a position to recommend or not ...
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| Equity indexed Universal Life Insurance | 9/2/2006 |
Q: I am thinking about refinancing my home, taking cash-out, and putting the cash into one of these ...
A: I am not a fan of E-I life insurance or annuities. The primary advantage of E-I annuities and life ...
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| cash value | 8/18/2006 |
Q: i have a whole life insurance policy with AFLAC and i am considering dropping because i can get a ...
A: The simple answer is, if you cancel the policy, you get the cash surrender value back. Be sure you ...
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| Whole Life 1/3/2004 | 7/26/2006 |
Q: Dave, I read your 1/3/2004 response on the subject of Whole Life Insurance. I have heard before the ...
A: Kerry: Here's the story on that: In the spring of 1993, Penn State University completed a study ...
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| Elapsed life insurance money | 7/24/2006 |
Q: In 1975 my parents started a life insurance policy for $5,000 on me. I have since took over the ...
A: Lapsed life insurance policies genarally provide one of two automatic options: extended term life or ...
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| Life Insurance | 7/18/2006 |
Q: My husband recently found out he has hepititis C, and chirohsis of the liver. Can I still apply and ...
A: Dawn: A lot depends on the course of his treatment over time. It's pretty unlikely that he could ...
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| beneficiary? | 6/30/2006 |
Q: I am trying to help the family of a 45 year old single female (never married, no children) who just ...
A: As I can't give legal advice, this is not to be construed as legal advice. It's my understanding ...
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| Variable Annuity | 3/24/2006 |
Q: I'm considering investing in a Variable Annuity with Ohio National. My questions are: 1) Where can ...
A: A.M. Best and Co. has been rating insurance companies since 1899. Their website is at ...
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| looking for insurance with pre-exsiting issues | 3/8/2006 |
Q: I am 33 year old female (1972) married with one child. About 3 weeks ago my doctor told me I had an ...
A: I do not work extensively with health insurance. However, usually insurance excludes pre-existing ...
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| life | 2/7/2006 |
Q: what is the meaning of life?
A: I can't comment here on the meaning of life, as that's under the philosophy or religion heading. My ...
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| company health insurance | 11/25/2005 |
Q: i work at a hospital and they have health insurance for their employees (at the employees expense). ...
A: Health insurance is kind of like auto insurance in that it does not build cash value or pay ...
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| Life insurance company recommendation | 11/8/2005 |
Q: ! Mr. Bowman, I am interested in a term life insurance policy for myself and my wife. We are 50 ...
A: You can go online and find lots of companies that are "build-friendly." Since you don't save any ...
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| Annuities | 8/25/2005 |
Q: Are all annuities, fixed rate and variable, tax deferred? I thank you for your rpely.
A: In general, yes. All annuities that are not set up as tax-qualified retirement plans (i.e IRA's, ...
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| insurance | 5/17/2005 |
Q: I want to get insurance but can u recomment some changes in what I presently have. I thank you. I am ...
A: Dilena, Dilena: What you need is not insurance advice. You need a financial advisor! Let's start ...
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| Quick Question | 5/3/2005 |
Q: I was curious if somebody could recommend a very good term life insurance, that builds up value and ...
A: I do not recommend products on this website. However, I need to clear up some confusion on your ...
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| Statistics | 4/19/2005 |
Q: Would you happen to have any data regarding the approx number of families per year that suffer the ...
A: I don't have the statistics on that. LIMRA, the Life Insurance Marketing and Research Association, ...
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| Income tax on life insurance | 3/19/2005 |
Q: I am 68 years old and have social security and a small pension (1300/mo from Soc. Sec. and 450/mo ...
A: Sylvie: Sorry to learn of your ex-husband's death. As for income taxes, the money is yours, tax ...
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| Websites or companies that compare insurance rates | 3/8/2005 |
Q: Can you suggest sites to compare life(term) insurance rates. I feel better going by others ...
A: I have used term4sale.com previously. As a broker, I have access to online sites that allow me to ...
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| Annuity question | 2/22/2005 |
Q: Please understand that I realize that any answer to this question will be a seat-of-the-pants ...
A: You're correct in that it's hard to make recommendations without knowing more of the facts ...
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| Flexible PremiumVariable Universal Life Insurance policy | 12/31/2004 |
Q: In 12/02, at age 65, I purchased a VUL after being given what I feel was only partial information ...
A: Hazel: My heart goes out to you for the struggle you are having. This struggle is as a result of a ...
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| Life Insurance | 12/23/2004 |
Q: A friend didn't past the insurance medical test because of his weight and blood pressure rate about ...
A: When you apply for life insurance, there is a report made by the insurance company to MIB, the ...
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| Actuarial Question | 12/22/2004 |
Q: There is a widespread belief that, if one spouse dies, the other spouse dies sooner than he/she ...
A: Yes. Actually, but not for both sexes. If a woman dies, her spouse has a 29% increased mortality. ...
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| Life Insurance | 12/20/2004 |
Q: What would you advise as the best venue to take regarding life insurance at this stage of my life. I ...
A: Your question is one that is repeated tens of thousands of times. Group insurance is almost always ...
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| Insurance Policy | 12/19/2004 |
Q: Do insurance companies ask you on the application if you have filled out an application or taken a ...
A: Without knowing more, I think what you are touching on is the Medical Information Bureau. This is ...
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| Term or Life Insurance | 12/17/2004 |
Q: I am thinking term insurance is the best thing for a man that is 55 years old, who wants his spouse ...
A: The question is what can he afford, and what does he want to do. Does he want to provide the ...
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| Actuarial Tables | 12/16/2004 |
Q: I've heard a new series of actuarial tables (which show that people are living longer) are going ...
A: I have a secret for you. You can buy term life from a real live financial rep. for the same price as ...
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| Life Insurance- Prior Heart Attack | 12/14/2004 |
Q: I am a 50 year old male and had a Light, Bottom Wall M.I. due to a 100% blockage of the Right ...
A: It's always dangerous to do a life underwriter's job for them (I mean the kind you find in home ...
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| "Preneed" insurance | 10/31/2004 |
Q: Once upon a time I sold preneed insurance to individuals choosing to preplan their funerals with a ...
A: Hester: Every state has a state insurance department that is responsible for licensing of life, ...
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| Life Insurance | 10/20/2004 |
Q: Last year I finally got married--my wife and I are both in our early 50s--and my wife's been saying ...
A: and congratulations on your matrimony. I am also in my "early" 50's (55), and have been married for ...
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| Independent Agent | 10/14/2004 |
Q: What's the best way that one can become an independent insurance agent today? I used to sell a ...
A: Mike: As a Charetered Life Underwriter, and a 23-year veteran of this industry, I have to tell you ...
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| Insurance writer | 9/13/2004 |
Q: Could you please inform me on what insurance writer is, and the pro and cons. I am looking for term ...
A: I believe what you are referring to is a "rider." A rider is an option that you add to policy to ...
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| Pre-existing conditions? | 3/19/2004 |
Q: I may be switching insurances in the coming six months and my wife and I are having our first child. ...
A: First, please accept my apology for the delayed response. I was on vacation last week, but neglected ...
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| selling annuities | 2/15/2004 |
Q: What in your opinion is the best way to convince a person to cash in their CDs to buy an annuity, or ...
A: I'm assuming you are insurance licensed and want to help people with their money. First, let me ...
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| Life and Disability Insurance | 1/20/2004 |
Q: 1)I am trying to decide whether I need, Term Life or Whole Life Insurance. I am in my late 30's with ...
A: First, buy disability. The threat is greater and it's harder to qualify for. If there's no state ...
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| Whole Life Insurance | 1/3/2004 |
Q: I have a whole life policy, through the Nights of Columbus. There is a respected financial advisor, ...
A: With all due respect to Suze Orman, she doesn't have a CLU designation, and her thoughts on whole ...
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| perm. life insurance | 2/24/2003 |
Q: a broker recommended we get permanent life ins. as a way to get the extra life ins. we need and save ...
A: From the amount of information here, it's hard to tell for sure. The advantages of permanent life ...
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