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Health insurance in Alaska



health insurance 55 and older

Alaska citizens have many options to get health insurance at an affordable price. You can enroll in employer-sponsored insurance, sign up for DenaliCare, sign up for Medicare, find a plan on the Health Insurance Marketplace, or buy a plan from an insurance company. How much is health insurance for 55 and older? What do you need to know about health insurance for 55 and older? Why does health insurance for 55 and older important? What is exactly health insurance for 55 and older?How much is the average cost of health insurance 55 and older? Here is your complete guide to health insurance for 55 and older. So let’s start by understanding what is health insurance 55 and older.

This guide provides information about health insurance options in Alaska.

What you need to know about insurance in Alaska

health insurance 55 and older
  • Open enrollment period: the open enrollment period for 2022 coverage in Alaska runs from Nov. 1, 2021, to Jan. 15, 2022. If you miss this deadline, you’ll have to wait until next year or take advantage of a special enrollment period to get ACA coverage.
  • Special enrollment: certain life events may trigger a special enrollment period. If you moved, got married, had a baby, or were laid off and lost your coverage, you have 60 days to enroll in a new plan during a special enrollment period.
  • Marketplace Plans: Alaskans can sign up for a new affordable health insurance plan through the federal health insurance marketplace. All of these policies meet Affordable Care Act standards, and through the Marketplace, you can find out if you are eligible for the expanded premium tax credit.
  • Direct enrollment: you don’t have to go through the federal marketplace to get coverage, and you can purchase a plan from the insurance company of your choice. You must enroll in the Health Insurance Marketplace to qualify for the Advance Premium Tax Credit.
  • Type of coverage: about 48.4% of Alaskans have insurance through an employer. Another 3.5% are not collectively insured, 21.3% are covered by Medicaid, and 10% are enrolled in Medicare. About 11.5% of Alaskans are uninsured.

How can I enroll in the Alaska health insurance marketplace?

Alaska uses the federal health insurance marketplace. Signing up is easy, and you can get started by going to and creating an account. You will need to provide accurate contact information when you create your account.

After you complete the application, the website will automatically determine if you are eligible for the Early Premium Tax Credit, which can lower your monthly premiums. You will also be notified if you are eligible for Medicaid and other financial assistance programs. Before you apply, make sure you have the full name, date of birth, and Social Security number of everyone you want to enroll in your plan.

Other information you will need to provide is the following:

  • Your marital status
  • The number of dependents reported on your most recent income tax return
  • Your total household income
  • Whether you wish to receive financial assistance.

The next step is to check the rates available on the health insurance market. shows the monthly premium, deductible, and coinsurance required for each policy. The comparison tool allows you to view up to three plans side-by-side to choose the single or family plan that best suits your needs. Once you’ve made your decision, you can complete your enrollment on the website.

The following companies offer insurance plans in Alaska through the Health Insurance Marketplace:

  • Moda
  • Premera

How do I sign up for individual and family insurance in Alaska?

Signing up for family health insurance is not much different than signing up for individual insurance. The main difference is that you need to consider the medical needs of each family member and find a plan that fits everyone. Here are the key points to consider before buying insurance:

  • Special medical needs
  • The coinsurance requirements you are willing to meet
  • The amount of deductible you can afford to pay
  • The monthly premium you can afford.

Insurance for individuals in Alaska

When you purchase an individual policy, you have more flexibility because you don’t have to consider the needs of others. If you choose a policy with a higher deductible and insurance, you can save money on monthly premiums. The type of plan you choose also affects the cost.

You can choose between different types of plans:

  • The HMO (Health Maintenance Organization) plan is the best choice if you don’t make many doctor or specialist visits or if you need prescriptions. Monthly premiums are lower and deductibles are higher. HMO plans are the least expensive. However, they do have their limitations. If you want to see a specialist, you must designate a primary care physician, and you can only use medical providers in the HMO’s network.
  • A preferred provider organization (PPO) plan is better if you see doctors or specialists regularly. With a PPO plan, you have more flexibility, but you pay more. You’re not limited to in-network providers, you don’t have to designate a primary care physician, and you never have to request a referral for a specialist.
  • A point-of-service (POS) plan is a hybrid between an HMO and a PPO. You can use out-of-network providers, but each time you want to see a specialist, you must get a prescription.

Family coverage in Alaska

health insurance 55 and older

If you choose family coverage, you should consider how to best reduce health care costs for your entire family. If someone in your household tends to use coverage more regularly, you may save more in the long run by choosing a policy with higher monthly premiums but a lower deductible.

Also, consider what type of plan best fits your family. An HMO can save you money, but you’ll need to look at the network to see if you have access to the health care services your family needs. If you want a wider choice of doctors and specialists, consider a PPO or POS plan.

How much does health insurance cost in Alaska?

There are four levels of policies on the health insurance market: bronze, silver, gold, and platinum. Each tier ranks policies based on factors such as annual deductibles, required coinsurance, and monthly premiums.

The average premiums in Alaska2019202020212022
Most affordable Bronze Plan$472$448$435$429
Most affordable Silver Plan$701$698$673$672
Most affordable Gold Plan$672$636$608$610
  • Bronze plans offer the lowest monthly premiums, but also have the least coverage. If you need medical treatment, expect to pay a higher deductible and a 40% co-pay. A bronze plan can save you money if you are in good health and just want to be covered in case of an unforeseen injury or illness. Remember, you must pay the full deductible to get coverage. In 2022, the cheapest bronze plan in Alaska costs $429 per month.

  • Silver plans are more expensive than bronze plans, but the deductible and co-payments are lower. When you seek medical treatment, you only have to pay 30% of the total cost once the deductible is met. In addition, you can get a discount on a silver plan, which makes it cheaper than a bronze plan. The cheapest silver plan in Alaska in 2022 costs $672 per month.
  • Gold and platinum policies offer the most coverage, and Alaska premiums are lower for gold policies than silver policies. These policies are best for individuals and families who need ongoing care for chronic conditions. The coinsurance requirement is 20% for gold plans and 10% for platinum plans. In 2022, the lowest-cost gold plan in Alaska will cost $610 per month.

Is it possible to get affordable health insurance in Alaska?

Two programs help low-income Alaskans obtain health insurance. The first is Alaska’s Medicaid program, DenaliCare, which is funded by the state and federal governments. The second is the Denali KidCare program, which insures children. Eligibility for these two programs depends on income, household size, and whether or not a family member has a disability.

health insurance 55 and older

Medicaid in Alaska

DenaliCare is administered by the Alaska Department of Health and Human Services and is the state’s Medicaid program. To be eligible for DenaliCare, you must be low-income and meet at least one of the following criteria:

  • You are over age 65
  • You have a permanent disability
  • You are the caregiver of a disabled person
  • You are the parent or guardian of one or more children under the age of 18
  • You are pregnant

You are eligible for DenaliCare if your income is below a sliding scale that increases based on family size. For example, the threshold for a single person is $17,131 per year; for a family of three, it increases to $29,207. If you are pregnant, your unborn child counts as a family member.

You can apply for DenaliCare through the federal health insurance marketplace or by calling the Alaska Department of Health and Human Services Division of Public Assistance at 907-465-1617.

Denali KidCare

If you are not eligible for DenaliCare and cannot afford to cover your children, you can still apply for Denali KidCare. This program helps children under 19 and pregnant women. To enroll a child, you must meet the following criteria:

  • Your child does not have health insurance.
  • Your child must have a Social Security number or apply for one.
  • Your child is not eligible for Medicaid.
  • Your child must be under 19 years of age

Denali KidCare covers minor children and pregnant women who are not eligible for Medicaid. They must pay a small monthly premium and are covered for prenatal care, routine checkups, immunizations, prescription drugs, approved outpatient care, dental care, vision care, and mental health care.

You can apply for Denali KidCare through the Health Insurance Marketplace or the Division of Public Aid.

What health care options are available in Alaska for seniors and people with disabilities?

Alaska citizens have several options when it comes to Medicare. They can sign up for Original Medicare or choose a Medicare Advantage plan.

  • Original Medicare is the basic form of Medicare administered by the federal government. It includes Part A (hospital care) and Part B (preventive care and outpatient medical services). It covers hospital care, preventive services, durable medical equipment, and other medical services, but not prescriptions. There are supplemental insurance plans that cover prescription drug costs: These are known as Medicare Part D plans.
  • Medicare Advantage plans are sold by private insurance companies. Although the plans must provide at least the same coverage as Original Medicare, Medicare Advantage plans often cover additional benefits such as prescription drugs, dental care, and vision care.

If you choose Original Medicare, you can also purchase supplemental insurance to expand your coverage. Medicare Part D covers prescription drugs, while Medicare Supplement Insurance (Medigap) covers deductibles, copayments, and other Medicare expenses.


To be eligible for Medicare, you must be at least 65 years old or disabled. In most cases, a qualifying disability is a condition that makes you eligible for payments from the Social Security Disability Insurance Program or the Railroad Retirement Board for at least 24 months. If you have end-stage renal disease or amyotrophic lateral sclerosis (Lou Gehrig’s disease), you may be eligible sooner.


If you receive Social Security or Railway Retirement Board benefits at least four months before your 65th birthday, you will be automatically enrolled in Medicare. Otherwise, you must complete an online application or contact your local Social Security office. You can join Medicare during the following periods:

  • Initial Enrollment: The initial enrollment period begins three months before your 65th birthday and ends three months after your 65th birthday. If you have never received Medicare, you can join during this period. If you start Medicare at a younger age, you can also make changes to your plan.
  • General Enrollment: choose this enrollment period if you missed the first enrollment period. The general enrollment period for Medicare runs from January 1 through March 31. You can choose from Original Medicare, Medicare Advantage, Medigap, or Part D.
    Medicare Advantage Open Enrollment: you can make changes to your Medicare Part C, also known as Medicare Advantage, from Jan. 1 through March 31.
  • Open Enrollment: you can enroll, change or drop coverage from October 15 through December 7 each year.
  • Special Enrollment Periods: You can use a special enrollment period if you lose coverage or if your eligibility changes outside of normal enrollment periods.

Are there short-term health insurance options in Alaska?

If you know you will lose your health insurance because you change jobs, move, or miss the deadline to enroll in the health insurance marketplace, you can fill a gap in your coverage with short-term health insurance. In Alaska, there are no restrictions on temporary coverage, so federal laws apply. These laws state that a short-term policy is only valid for one year and can only be renewed twice, for a total of 36 months.

Short-term health insurance policies provide low-cost health coverage, but they are not subject to ACA regulations, so you may be denied coverage if you have a pre-existing condition and your premiums may increase based on your medical history.

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Smart Ways to Save Money on Car Insurance



save money on car insurance

On average, car insurance costs $179 per month. But that doesn’t mean you’ll have to pay this price. So what do you need to know about “save money on car insurance”? How much do you need to save money on car insurance? Here is your complete guide to save money on car insurance.

Companies base your rate on a variety of factors, including the type of vehicle you drive and the length of time you’ve been insured. You can get good coverage without breaking the bank if you understand what factors influence your auto insurance costs.

Look around.

Although auto insurers use similar factors to calculate your car insurance costs, such as age, driving history, and location, they weight these factors differently. That is why it is critical to compare rates.

To assess the value of shopping around, insuranceelife compared rates for 35-year-old drivers purchasing full coverage insurance from the nation’s largest insurers. We discovered that annual costs vary by hundreds of dollars. Liberty Mutual, despite being one of the largest insurers in the country, is not included in our analysis because it does not provide rate data.

In fact, switching from the most expensive to the least expensive insurer can save good drivers with good credit more than $207 per month on average. Savings can be even greater for drivers with a recent at-fault accident or poor credit — nearly $214 and $153 per month, on average.

However, these figures are for the entire country. Your rate will be determined by your location. For example, a company that has the lowest rates in one state may not have the lowest rates in another. And the cheapest company for a good driver with good credit may not be the cheapest for someone with a DUI or a recent accident, for example.

Read More About Cheap Auto Insurance In Las Vegas.

Benefit from car insurance discounts.

Every insurance company has a unique way for you to save money on your car insurance premium. Check out your insurer’s discounts page and ask your agent to go over your potential savings to ensure you’re getting all of the discounts you’re entitled to.

Our car insurance discounts page has more information on which insurers offer which discounts. However, keep in mind that you should compare quotes based on your specific situation. Simply because an insurer offers multiple discounts does not imply that it has the best overall price.

Read More About Car Insurance for Young Adults.

Drive carefully

Accidents, speeding tickets, and other traffic violations raise car insurance rates. If you get a ticket, you may be given the option of attending traffic school to have it dismissed or to reduce the number of violation points on your driving record. According to our analysis, if you can keep the violation off your driving record, the time spent in class could save you up to $546 per year on average on your car insurance.

Get rid of any unnecessary auto insurance

If your car is a clunker, it may be time to cancel collision and comprehensive insurance, which cover vehicle damage. Collision insurance pays to repair damage to your car if it collides with another vehicle or object, or if it flips over. Comprehensive insurance covers you if your car is stolen or damaged due to a storm, vandalism, or hitting an animal such as a deer.

If your car is worth less than your deductible plus the cost of annual insurance, it’s time to sell it. Collision and comprehensive insurance will never pay out more than the value of the vehicle.

Consider whether it’s worthwhile to pay for coverage that may only reimburse you a small amount, if at all.

Read More About Comprehensive Vs. Collision Car Insurance.

Drive a low-cost-of-insurance vehicle

Compare car insurance rates for the models you’re thinking about buying before you buy. The vehicle you drive influences your car insurance premium, especially if you purchase collision and comprehensive coverage. Small SUVs, for example, are less expensive to insure than flashy and expensive cars.

Increase the deductible

Raising the deductible, or the amount that the insurance company does not cover when paying for repairs, can help you save money on collision and comprehensive insurance. For example, if you have a $500 deductible and your repair bill is $2,000, the insurer will pay $1,500 once you’ve paid the $500.

Savings vary by company, so compare quotes with different deductible levels before making a decision.

Read More About The Ultimate Guide To Car Insurance Premium.

Improve your credit rating

When car insurance companies determine how much to charge you, your credit score can play a significant role. In some cases, it can be more important than your driving record. However, this is not the case in California, Hawaii, Massachusetts, and Michigan, where insurers are not permitted to consider credit when setting rates.

  • Focus on these three steps to improve your credit:
  • You need to make on-time payments on all of your loans and credit cards too.
  • You need to keep your credit card balances well below your credit limits.

Open new credit accounts only when absolutely necessary. Applying for too many credit cards can harm your credit score.

Read More About Life Insurance and Mortgage Protection Coverage

Don’t drive much? Take into account usage-based insurance.

Consider usage-based or pay-per-mile insurance to reduce car insurance costs if you don’t mind having your driving behavior tracked. To take part, you download an app or install a small device in your car that sends data to the insurance company.

In certain states, Metromile, Allstate, Nationwide, and Mile Auto all provide pay-per-mile insurance. You typically pay a base rate plus a per-mile rate for this coverage. If you don’t drive long distances or commute on a daily basis, it could be a viable option.

Other insurers, such as State Farm, Progressive, Safeco, and Travelers, provide usage-based insurance programs that monitor behaviors such as speeding and hard braking. They provide discounts or reduced rates in exchange for safe driving.

Read More About What Is Recommended For Car Insurance Coverage?

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Life Insurance 30-Year Term: What Is It?



life insurance 30 year term

Life insurance is a contract between an individual and an insurance company, in which the individual will pay a premium in exchange for a death benefit to be paid to a designated beneficiary upon their death. A 30-year term life insurance policy is a type of life insurance that provides coverage for a specific period of 30 years. If the insured individual dies during that time, the death benefit will be paid to the designated beneficiary. So what is life insurance 30 year term? What do you need to know about life insurance 30 year term? Here is your ultimate guide to life insurance 30 year term.

One of the main advantages of a 30-year term life insurance policy is that it provides long-term coverage at an affordable price. Because the policy is for a set period of time, the premium will be lower than that of a permanent life insurance policy, such as whole life insurance. Additionally, the death benefit is guaranteed and will not decrease over time.

Advantages and disadvantages of Life Insurance 30 Year Term:

Another advantage of a 30-year term life insurance policy is that it can be used to provide financial security for a specific period of time, such as the length of a mortgage or the time until a child is financially independent. Additionally, it can be used to provide coverage for an individual’s working years, ensuring that a family will have financial support if the primary breadwinner dies.

The main disadvantage of a 30-year term life insurance policy is that it does not provide lifelong coverage. Once the policy term expires, the coverage will end and the insured individual will need to either renew the policy at a higher premium, or purchase a new policy. Additionally, the death benefit does not accumulate cash value, so it cannot be used as a savings or investment vehicle.

What happens when the 30 years are up?

Term life policies, by definition, are only intended to provide your beneficiaries with a valuable lump-sum payment if you die during that time period. So, for example, it’s a way to protect a family until the children are grown and on their own. However, unlike permanent life insurance, term policies do not have a cash value. 3 So, when your coverage expires, your life insurance protection is gone – and even if you’ve been paying premiums for 30 years, there’s no residual value. If you want to keep your coverage, you must apply for new life insurance. The only problem is that the cost will be much higher: when it comes time to renew, you’ll be 30 years older, with 30 years less life expectancy.

Many life insurance companies offer “convertible” term policies. Convertibility allows you to change your coverage to permanent whole life without having to undergo a new medical exam, which would likely increase your premium. Guardian allows you to convert a life insurance contract at any time during the first five years, and offers an optional Extended Conversion Rider that allows you to do so for the duration of the insurance-term.

Why should I convert? If you are not a diligent saver, you may be drawn to the wealth-building aspect of whole life insurance. If you’ve had a serious health problem, such as a heart attack, it may be difficult to obtain other coverage. Or maybe you just want lifelong insurance protection. 30-year coverage may appear to be the best option right now, but things can change.

Other types of life insurance to consider:

20-year term life

If you’re not sure if you need coverage for 30 years, a 20-year term length for the same coverage amount could save you money every month. Consider a 30-year term if you’re certain you’ll need coverage for that long. The monthly premiums may be higher, but in the long run, it will usually cost less than reapplying for 10-year term coverage after your 20-year policy expires. Why? The insurance contract you get two decades from now will cost more: one of the most basic life insurance rules is that prices rise as you get older. Furthermore, health problems tend to arise over time. For example, you need to develop high blood pressure in a few years. Even if well-controlled, such a diagnosis will raise the cost of new coverage. In some cases, your health status may make a new policy unaffordable.

Permanent life insurance

Thirty years is a long time, but if long-term coverage is important to you, consider permanent life insurance. So It lasts as long as you pay the premiums. These policies include a wealth-building component – the policy’s cash value – that helps make coverage last indefinitely while also providing other benefits. A little portion of your premium dollars are invested, and your cash value grows tax-deferred over time. Within a few years, it can grow into a useful sum that can be tax-advantagedly borrowed against, used to pay premiums, or even surrendered for cash to help fund your retirement. In any case, families are entitled to the entire death benefit payment from the start of the insurance contract.

Comparison of term, whole, and universal life 

 Term Life InsuranceWhole Life InsuranceUniversal Life Insurance
period Of Coverage Specific Term Limited PermanentPermanent
Builds cash value
Cost for a given death benefitwhole or universal Are More Expensive It’s More expensive than termIt’s More expensive than term
Premiumsfixed Typicallyfixed TypicallyCan vary
Income tax-free death benefit

In conclusion, a 30-year term life insurance policy is a cost-effective way to provide long-term coverage for a specific period of time. It is best suited for individuals who need coverage for a specific period, such as the length of a mortgage, or for those who want to provide financial security for their family during their working years.

Read More About Life insurance vs AD&D insurance.

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Life insurance vs AD&D insurance: Your Complete Guide



life insurance vs ad&d

Life insurance and accidental death and dismemberment (AD&D) insurance are two types of insurance that provide financial protection for individuals and their families in the event of death or injury. What is life insurance vs ad&d? What you should know about life insurance vs ad&d? How much is life insurance vs ad&d? Here is your complete and ultimate guide to life insurance vs ad&d.

Life insurance is a contract between an individual and an insurance company, in which the individual pays a premium and the insurance company agrees to pay a death benefit to a designated beneficiary upon the individual’s death.

Read More About Life Insurance 30 Year Term: What Is It?

Life insurance vs. AD&D insurance

Life insurance can be purchased as a term policy, which provides coverage for a specific period of time, or as a whole life policy, which provides coverage for the individual’s entire life.

AD&D insurance is a type of insurance that provides financial protection in the event of accidental death or injury. This type of insurance typically pays a death benefit if the individual dies as a result of an accident, and may also provide a benefit for injuries that result in the loss of a limb, a sight, or hearing. AD&D insurance is usually an add-on coverage to a life insurance policy and is less common.

Both life insurance and AD&D insurance can be an important part of a comprehensive financial plan and are designed to provide financial security for loved ones in the event of a tragic event. The main difference between the two is that life insurance provides coverage for all causes of death, while AD&D insurance only provides coverage for accidental death or injury.

When deciding which type of insurance to purchase, it is important to consider your specific needs and budget. You may also want to consult with a financial advisor to determine the best coverage for your situation.

What is AD&D insurance?

The policy will specify the types of accidents and injuries that your AD&D coverage will cover. Accidental dismemberment may include not only the loss of a limb, but also serious accidental trauma that prevents you from working, depending on your policy. AD&D insurance may cover the following accidents:

  • Accidents in automobiles
  • Injuries or fatalities at work
  • Injuries or deaths caused by fire
  • Mishaps involving firearms
  • Falls and other traumatic incidents

What is ADB insurance?

Life insurance policies from AD&D and ADB only pay out in the event of an accident. The main distinction is that an ADB policy may only pay out for a fatal accident, whereas an AD&D policy may pay out for accidental dismemberment and certain accidental injuries. Insurers may only provide one or both.

What isn’t AD&D insurance supposed to cover?

While AD&D insurance may cover accidental death and murder, many other causes of death and injury, such as:

  • Specific leisure activities
  • Overdose
  • Accidents caused by drugs or alcohol
  • Suicide
  • Natural occurrences or disease

Keep in mind that if you work in a high-risk profession, such as firefighting, law enforcement, or the military, you may not be eligible for AD&D coverage. Shop around because your eligibility may vary by insurer.

The cost of accidental death insurance in comparison to life insurance

Accidental death insurance is typically less expensive than standard life insurance premiums. Your AD&D insurance premium, like your life insurance premium, will be determined by the information you provide in your application and the death benefit you select. And as you get older, AD&D will become more expensive.

AD&D or ADB coverage should be tailored to you, so speaking with a life insurer directly can help you find the best options for your coverage needs and budget.

Do AD&D and life insurance work together?

You may be able to combine accidental death and dismemberment coverage with life insurance as a rider on your life policy, depending on the insurer. Alternatively, you can purchase AD&D insurance as a separate policy to supplement your existing life insurance. However, standalone AD&D policies are more common for people who don’t qualify for standard life insurance but still want some coverage — and they aren’t available from all insurers.

When should an AD&D rider be added to life insurance?

If you don’t already have life or AD&D insurance and want additional coverage for accidents, consider purchasing a standard life insurance policy with an AD&D life insurance rider. If you die in a covered accident, the AD&D rider increases your life insurance death benefit, and it pays out a set amount if you suffer a qualifying accidental injury.

You can’t usually add a rider after you’ve purchased a life insurance policy, so ask about it when you’re shopping for life insurance. Purchasing a rider rather than a standalone AD&D policy is usually less expensive. Compare rates and coverage options to find the best deal for you.

Is it necessary for me to have both life insurance and AD&D?

If you want coverage in the event of an unintentional serious injury, it may make sense to purchase an AD&D policy or rider in addition to your standard life insurance policy. An accidental death and dismemberment (AD&D) insurance policy or rider covers certain accidental injuries (in addition to accidental death), whereas standard life insurance only covers death. However, AD&D insurance is not a replacement for standard life insurance because it only applies to accidental death, whereas standard life insurance provides an all-cause death benefit.

When would I require additional life and AD&D insurance?

Standard life insurance with an all-cause death benefit covers you for the majority of causes of death, but not for non-fatal injuries. So, if you already have life insurance and are concerned about the costs of a serious accident, it may make sense to supplement it with an AD&D standalone policy.

Is it worthwhile to purchase accidental death insurance?

If you qualify, term life insurance pays out for far more causes of death than AD&D insurance, and it may not cost much more. If you’re worried about accidents, adding an AD&D rider to a standard life insurance policy may make more sense than purchasing a separate AD&D policy.

However, if you do not qualify for standard life insurance, AD&D coverage may be preferable to none. An AD&D policy may be easier to qualify for because there is no medical exam required, and you can usually get an AD&D policy faster than a standard life policy.

Read More About Life Insurance Tax Deductible: What is it?

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How to Get the Best Deal on Insurance

You will Find Here All the tips tp choose your Insurance