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According to a 2010 industry study, 44% of households without life insurance admitted that they haven’t bought a policy because they don’t know how much coverage they need.1 If you have dependents who rely on your income, it may not be wise to let uncertainty keep you from purchasing life insurance protection.

A common formula that recommends replacing eight to ten times your income works for some people but may be too simple for your specific situation. The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable. As with most decisions about money, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. If a policy is surrendered prematurely, there may be surrender charges and income tax implications.

Source: 1) LIMRA, 2011

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