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How to Compare Life Insurance Quotes

Having a life insurance policy that isn’t adequate for your family is something that can be detrimental to your loved ones. After you pass away, you want to ensure that they have access to the benefits they need to cover your demise and whatever other debts they’ll have to deal with because of it. As you’re looking around for life insurance quotes, it’s important that you keep these things in mind to help you compare and choose the best policy. Check for Exclusions the Company Has Most life insurance companies don’t treat all deaths equally. For instance, you’ll find that typical exclusions include death in war, suicide, death from dangerous activities and death from a private plane crash. So if you’re one who likes to do adventurous things, like car racing, mountain climbing or hang gliding, your death from these activities could void your policy, leaving your family with nothing to collect. Determine the Term of Life Insurance You Need There are different terms available for life insurance policies, such as 5 years, 10 years or longer. When you’re comparing […]

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How To Choose a Home Loan

When trying to choose a home loan, the choices can be overwhelming.  There are so many options: mortgages, home equity loans, home equity lines of credit, and combinations of the top three.  Since we’ve owned our house (almost 8 years now- I can’t believe it!), we’ve had a combination of loans on it and have refinanced twice. We started out with a mortgage and a home equity loan, refinanced to a home equity loan only, and currently have just a mortgage.  It’s really nice and simple to have just the one payment.  Here are the options for loans for purchasing or refinancing a house: -Mortgage.  A mortgage is a traditional loan for purchasing a house.  With a mortgage, there can be fixed rates and terms, or variable rates.  Personally we always liked fixed rates and terms because we like knowing exactly what is going to happen with the mortgage.  Most mortgage companies set up an escrow account that will pay the property taxes and homeowners insurance.  Each month, a set amount of the mortgage payment will go towards principal and interest, […]

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