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Wage-earners need coverage for at least as long as they expect to be gainfully employed. Is A Medical Exam Required? As an independent company, we can explore many carriers for our clients dependent on their needs. The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete. Additionally, your age and income have a direct bearing on your life insurance needs. Whole Life Insurance — These policies guarantee coverage up to a certain age usually age 95 or and provide cash value, which means that they can be liquidated for cash in the event the insurance is no longer needed.

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