Still, if you're already carrying a baby and the
Whether they bring in their own paycheck or not, having a life insurance policy in place assures they can maintain a similar standard of living if you die prematurely.The general rule is that if someone else relies on your income to live, then you probably need life insurance. about 6.2 million millennials and counting are acting as caregivers for a parent, in-law, or grandparent.
You can also use a life insurance policy as collateral to secure a small business loan, Melbourne O'Banion, CEO of, an online term life insurance company, told Baluch. Basically, the death benefit on your policy will go toward paying off the entirety of the loan in the event of your death, and then the remaining amount will be paid to your beneficiaries.Life insurance companies will always consider your occupation when they assess your risk level.
If you're a thrill seeker with a penchant for extreme sports, you'll probably be deemed higher-risk by a life insurance company. But it's similar to having a high-risk job — you'll pay more to be insured, but the cost is worth it considering the likelihood you'll die from unnatural causes.
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