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A new year arrives with fresh goals, bold ideas, and the momentum to turn today’s plans into tomorrow’s lasting success. 2026 begins with opportunity ahead, inviting smarter decisions, renewed focus, and confidence to shape what comes next. Happy New Year 2026, a time to celebrate progress, embrace change, and move forward with optimism, purpose, and…
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A buy sell agreement is a legally binding contract that outlines what happens when a business owner dies, becomes disabled, retires, or decides to leave the company. It provides structure for transferring ownership and ensures remaining partners can keep the business running. Without a written agreement, families and co-owners may face conflict, valuation disputes, or…
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Global market valued at USD **752.79B** in 2024; projected to reach USD **1,219.22B** by 2032 (CAGR **6.12%**). Digital transformation and AI-enabled underwriting drive efficiency and customer experience. Level term insurance led with USD **494.76B** in 2024; medium-term policies and annual payments also dominate. North America held the largest share (USD **282.28B** in 2024); Asia Pacific…
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The middle of winter has long been a time of celebration around the world. Many peoples rejoiced during the winter solstice, when the worst of the winter was behind them, and they could look forward to longer days and extended hours of sunlight.Popular modern customs include gift-giving and the display of various holiday decorations.Here's wishing…
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Affordable Protection: Term life offers coverage for a specific period at lower costs, ideal for temporary needs like mortgage or education funding. Lifelong Coverage: Whole life insurance provides permanent coverage with savings growth, offering financial security and cash value accumulation. Assess Needs: Evaluate your financial goals, budget, and family needs to pick the policy that…
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Retirees may need coverage for debts, final expenses, or to leave an inheritance. Term life is usually more affordable for retirees than whole life due to limited coverage period. Cash-value policies offer tax implications and access to funds, but surrendering may trigger taxes. Life insurance may be unnecessary if you have no income to replace,…
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The recent government shutdown centered on whether to continue enhanced premium tax credits for the Affordable Care Act (ACA), which are set to expire. These credits don't reduce health care costs but shift expenses, making insurance more costly long-term. A bipartisan compromise could involve phasing out subsidies while eliminating ACA's costly mandated benefits, allowing more…
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Knowing what to ask a life insurance agent helps clients make confident and informed decisions. Key questions include understanding which policy type fits their goals, how premiums work, and what optional riders may improve coverage. Clients should also ask about cash value growth in permanent policies and how the claims process works for beneficiaries. These…
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#1: How Much Coverage Do I Need? Enough to cover debts, income replacement, and family expenses — often 10–15× your annual income. #2: Term or Whole Life? Term is affordable for temporary needs. Whole life lasts forever and builds cash value. #3: Is the Payout Tax-Free? Yes — death benefits are tax-free for beneficiaries in…
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Life throws challenges when we least expect them — and sometimes, they hit hard. A final expense policy helps your loved ones handle end-of-life costs without financial stress. It’s not about planning for the worst — it’s about giving your family peace of mind when it matters most. Small steps today can lift a heavy…