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This uncertainty is the reason why life insurance exists. Life insurance rates are lower when you set your insurance premiums high. Insurance premiums, in turn, increase as more coverage is added into the plan.
The more coverage you include in your life insurance plan, the better protected you will be. However, the problem with too much coverage is that you are not sure you will be using them in the future.
A benefit of a full coverage life insurance, on one hand, is lesser premiums for home and auto insurance. Life insurance will cover health and medical coverage in case of accidents or home security problems.
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