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Reply to "Life Insurance for mid-50s"
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[quote=Anonymous]OP, this is how it should work: Financial planner reviews your entire financial picture. They input your numbers into some type of life insurance calculator. They show you the results. There should be a high and a low number for the amount of term. You talk it over with your planner and family and decide what is good for you. The planner coordinates with a insurance firm that can get prices from a large number of firms. No compensation between the 2 firms. The firm shops your health details to firms that will be the most cost effective. (They do not work with trash firms) There are other things a planner can do to get your rates lower, you need to pay for this knowledge or look it up on your own. A real financial planner can save you thousands/hundreds of thousands of $. There are some good ones to be found here > https://www.feeonlynetwork.com/ [/quote]
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