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Royal Maccabees Life

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When you buy life insurance, you want a policy that fits your needs at a reasonable cost.  Your first step is to determine how much life insurance you need. Next, you need to decide how much money you can afford to pay. 

Finally, you must choose the type of policy that meets your coverage goals and fits into your overall financial plan. Once you have completed these steps, you will be able to move ahead and Royal Maccabees Life will provide life insurance to shop for the right type of policy for you.

There are many reasons for purchasing life insurance, among which are the following are Insurance to provide family protection and financial security to surviving family members upon the death of the insured person, Insurance to cover a particular need such as paying off a mortgage or other debt upon the insured’s death, Business insurance to compensate a company on the death of a key employee or to provide a surviving partner the resources to buy out the deceased partner’s share of the business, Insurance to provide funds to pay estate taxes or other final obligations necessary to settle a deceased person’s estate and Insurance to provide the funds necessary for the deceased person’s burial expenses.

Royal Maccabees Life employers offer life insurance under a group plan and sometimes pay part or the entire premium. A medical exam is usually not required for insurance purchased this way, and the insurance can be less expensive than coverage purchased as an individual. Under California law, group life insurance must be convertible to permanent insurance at the insured’s option when the insured’s coverage under the group policy terminates. 

The converted policy will probably be much more expensive than the group insurance.  Some employers will allow insurance companies to send agents or enrollers to their premises in order to offer insurance to their employees. Policies offered in this manner are different from group insurance, and you should evaluate the materials shown to you in the same way as if you were considering a purchase of an individual policy through an agent.

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