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Insurance FAQ
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Frequently Asked Questions
How much life insurance do I need?
A common rule is 10-12 times your annual income, but factors like debts, mortgage, children's education, and spouse's income should also be considered.
Does credit score affect insurance rates?
Yes, in most states insurance companies use credit-based insurance scores to determine premiums. Better credit typically means lower rates.
What is the difference between term and whole life insurance?
Term life covers you for a specific period (10-30 years) with lower premiums. Whole life covers your entire life and builds cash value but costs significantly more.