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Yes — many people with health conditions can still qualify for life insurance. Insurers review your condition, medications, and overall health before offering coverage and setting rates. If traditional coverage is tough, simplified issue or guaranteed issue policies skip medical exams. Controlled conditions often mean moderate premiums; severe or recent diagnoses may cost more. Health…
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Insurance is a gift of love, Not done in fear. Not done in confusion. But in peace For Your Peace And Their Future That’s what Legacy Protection really is. Insurance is the vehicle to get you there. It is not just a policy, it is not just about insurance… but love in advance. Let’s review…
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Protecting your family’s financial future is one of the most meaningful decisions you can make. While many things in life can wait, securing dependable coverage cannot. Life insurance provides financial stability by covering income loss, debt obligations, and essential expenses during challenging times. It’s not about selling a policy — it’s about giving the people…
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Your health insurance card contains essential plan details and coverage information. After enrollment, ensure you receive one or two cards and verify all information is correct, including plan type, network, cost-sharing, and primary care provider. Keep your card with you for medical visits and communications. If you lose it or find errors, contact your health…
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Nearly 372,000 Georgians will lose subsidized health insurance as enhanced Affordable Care Act subsidies expire amid a government shutdown. Premiums will sharply increase, with some doubling or more, pricing many out of coverage. Georgia, which hasn't expanded Medicaid, faces a 53% drop in marketplace enrollment and a 39% rise in uninsured residents. This threatens insurer…
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When a loved one passes unexpectedly, families often turn to community fundraisers or “passing the hat” to cover final expenses. Life insurance creates a more secure, reliable alternative — offering financial support when it’s needed most. It helps cover funeral costs, debts, and essential living expenses, giving families space to grieve without financial stress. With…
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Having the right health insurance is crucial for accessing necessary care and protecting against unexpected medical bills. When selecting a plan, consider your past healthcare usage and future needs, your family's health history, and the timing of your registration. Evaluate out-of-pocket expenses, including premiums, deductibles, and coinsurance. Researching options will help you find a plan…
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Straight life = whole life insurance; offers lifelong coverage, fixed premiums, and a death benefit for beneficiaries. Policy accumulates cash value at a guaranteed rate; funds accessible via loans or surrender, with possible fees. Participating policies may pay dividends, which can be taken as cash, used for premiums, or to buy paid-up additions. Straight life…
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Georgia's Pathways to Coverage program enrolled only 8,077 of eligible adults after two years due to reporting and paperwork barriers, despite costing $110 million. Less than a third of funds went to healthcare. Federal approval extends the program to 2026 with changes. Recommendations include simplifying enrollment, expanding outreach, and updating systems. Continue to full article
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Children whole life insurance offers permanent lifetime protection that begins at a young age. Since premiums are based on childhood rates, the cost remains low and never increases. These policies also build cash value over time, which can be used for future needs such as education, a first home, or emergencies. Another key advantage is…