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Beware of Indexed Universal Life. World Financial Group | WFG

Indexed Universal Life (IUL) insurance policies have gained popularity in recent years as a way to provide both life insurance coverage and potential cash value growth. However, it is important for consumers to be cautious when considering an IUL policy, as there are potential risks and drawbacks associated with this type of insurance. One major […]
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The Value of Commercial Umbrella Insurance

The Value of Commercial Umbrella Insurance

In today’s increasingly litigious environment, lawsuits stemming from liability incidents have surged in frequency and severity, leaving many organizations with substantial losses. Due to the complex nature of these losses, they could potentially surpass organizations’ primary liability coverage limits, which refer to the maximum amount that an insurer will pay toward a claim. In these […]
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Lincoln Heritage – The Leader In Final Expense Insurance

Lincoln Heritage Life Insurance Company® has been the leader in agent produced final expense life insurance for over 55 years. When it comes to planning for the future, one important aspect that often gets overlooked is preparing for final expenses. Many individuals do not want to burden their loved ones with the financial responsibilities of […]
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Understanding Final Expense Life Insurance: How It Differs from Traditional Life Insurance

Understanding Final Expense Life Insurance: How It Differs from Traditional Life Insurance In the realm of life insurance, there are various types available to meet different needs and preferences. One such type is final expense life insurance, which serves a unique purpose compared to traditional life insurance policies. Understanding the nuances between final expense life […]
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Preventing and Dealing With Workplace Violence

Preventing and Dealing With Workplace Violence

It is our top priority to keep the workplace safe. However, workplace violence remains a serious safety and health issue.It can occur inside or outside the workplace, and can range from threats to fatalities. Whether they come from a current or former employee, an unknown assailant or as a result of domestic violence or personal […]
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Term Life Insurance Riders: Understanding Your Options for Customization

Term Life Insurance Riders: Understanding Your Options for Customization Term life insurance is a fundamental part of any financial plan, providing essential protection for your loved ones in the event of your untimely passing. However, many people are unaware of the additional options for customization that term life insurance riders can offer. In this comprehensive […]
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5 Risks of Hiring an Uninsured Contractor

5 Risks of Hiring an Uninsured Contractor

Project owners or general contractors must carefully vet contractors to ensure jobsite safety and financial security. A critical factor in this selection process is verifying that contractors carry adequate insurance. Hiring uninsured contractors can expose a project to significant risks, including safety hazards, liability issues and potential financial losses. Legal Noncompliance and Penalties. Hiring uninsured […]
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How Does Smoking Affect My Life Insurance Coverage & Quote?

How does the use of tobacco affect your ability to get an affordable rate for life insurance? Byron Udell, Founder and CEO of … Smoking is a habit that not only impacts your health but also your finances, including your life insurance coverage and quotes. In this article, we will explore how smoking affects your […]
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