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Critical illness insurance for children is an essential component of a family’s financial plan.  When a child gets sick, it affects the whole family.  It pays out a lump-sum benefit, following a survival period of typically 30 days after diagnosis of one of the conditions covered by the plan.  The benefits of critical illness insurance...
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If you’re the sole income earner for your family, you need life insurance. If you have a spouse or a child(ren), they are dependent on your income so you will need life insurance. A general rule of thumb is to get a policy with a face value of at least 10 times your annual income (e.g....
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The first two years as an advisor can be a rollercoaster ride. The learning curve in this new role is steep, and the skills needed to succeed in this industry are vast and ever-changing. Not only are there technological changes impacting the way we do business, but legislative changes also effect the way we approach...
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Are children your real treasures?  YES!  If you have kids, you need a will as you have an obligation to protect them along with all your loved ones. That is best done through a WILL.  Your will can deal with contingencies should both parents die in a disaster.  What happens to your children who are...
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