Posts Tagged ‘disability’
Tuesday, July 13th, 2010
Having a life insurance policy in place can bring peace of mind to individuals who want to ensure the financial security of their loved ones even after their death. If you have been diagnosed as HIV positive and you do not already have a life insurance policy in place it can be extremely difficult to obtain one. While many insurance companies will turn you down immediately, others will offer high premium policies that will cover only the cost of your funeral.
You should check to see if you have any existing policies in place already. You may have life insurance from your employer or through your home mortgage. Check to see if any existing policies include rider policies. Your employer may have a life insurance policy that is automatically extended to you and will pay out a percentage of your wages to your beneficiaries. If you have any policies that are in effect be sure to keep them active, if they lapse you will most likely not get them back with an HIV diagnosis.
You may have social security benefits available to you and by visiting your local social security office they will be able to explain if you do and give you the amount in which will be paid. You can make any changes that are necessary concerning your beneficiaries at the office during your visit as well.
An attorney can be helpful to explain the death benefits that you have in place and to answer questions about beneficiaries and how they are to be paid after your death.
The human resources department at your job will be able to assist you with any programs or life insurance policies that they offer that may be available to you. Many employers will automatically have you insured through a group life insurance policy that pays out a certain percentage of your wages in the event of your death. These policies require no underwriting and no pre qualification. If you are not already a part of this program you can find out how to go about getting included in the policy. It is usually a very small amount paid directly from your paycheck.
If your employer does not offer this type of life insurance policy or any that you qualify for you might consider changing jobs. You could possibly be making less than you do now and might not be in your dream job but if the employer offers a life insurance policy in your employment package it could be worth the change.
An HIV AIDS case worker will be able to help you find programs that you would be qualified for if you express your desire to obtain life insurance. Many insurance companies are beginning to include policies to HIV positive people since the effectiveness of the AIDS medications are far better and create a much longer life for the individuals.
You can find guaranteed life insurance policies from companies that will insure anyone. The premiums will be much higher on this type of policy and you can expect that the pay outs will be much less. Some insurance companies will only offer burial costs at an extremely high premium for terminally ill clients such as someone who is HIV positive.
Graham McKenzie is the content syndication coordinator a leading South African Life Insurance and Life Cover portal. For more information on the different types of life insurance visit our website.
Tags: death, disability, finance, health, health insurance, insurance, life cover, life insurance, people
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Friday, July 2nd, 2010
Many people apply for a life insurance policy, but only few get approved for the same. If you have enough money to pay the premiums would not mean that your chances of approval are higher. Your application for a life insurance police is passed through a rigorous underwriting, before a decision can be taken on the approval or denial of the same. Underwriting means the assessment of risk for granting a policy for an individual, and the monthly or yearly premium amounts for the same.
Underwriters are therefore hired by most of the insurance companies that help in underwriting the applications. The insurance companies are on a look out for the profit and hence the risk assessment. There are a total of three steps included in the process of underwriting, namely examine the application, decision to insure or not, determine the premium. Let us discuss these steps one by one.
The first step involves the examination of the application. Here maximum details about the applicant are collected. The application includes a list of fields that the applicant needs to fill up, such as the marital status, sex, type of living area, age, and current health status and so on. All these parameters are taken deep into consideration.
After the details are collected, the decision making phase starts. Here all the parameters are gauged one by one, and the applicant is remarked for each parameter. These parameters are also known as the risk factors. For an applicant to have his application approved, he must score low on these risk factors. Although each of the risk factors has its own weight and importance, it is common belief that most insurance companies emphasize more on the age and health of the applicant. A young age and a good health of the applicant make it easy for the insurance company to approve the application. Similarly, an old aged and ailing applicant may not get a nod fro the insurance company. Living environment is another aspect considered by the companies. A good living environment implies that the applicant would suffer lesser ailments, and hence live long. As against this, a polluted and unhygienic living environment creates doubts in the minds of the insurance company. The gender of the applicant can also play a role at times. Many companies believe that women live healthier and fitter than men, for they do not take depressions. Interestingly, married men are believed to live a healthier life than the married women, indicating that the marital status also plays a role in the approval or denial of the insurance policy application. Lastly, the living habits of the customer also determine the fate of the application. If the applicant is a smoker and/or drinker, the chances of an approval are bleak.
The above risk factors not only determine the approval or denial of the insurance policy, but also the monthly premiums. Once the application is approved, the score of the applicant on the risk factors also decides his pr her monthly premium amounts. A young and fit individual would have to pay lower monthly installments, as compared to an old and ailing individual.
Graham McKenzie is the content syndication coordinator a leading South African Life Insurance and Life Cover portal. For tips on how to save on your life insurance visit our website.
Tags: death, disability, finance, health, health insurance, insurance, life cover, life insurance, people
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Wednesday, May 26th, 2010
These days investing in life insurance makes more sense than ever, and with the new profits and advantages of today’s insurance companies, it can really be a great option. It’s especially convenient that we’re also able to customize the type of policy we want based on our individual needs, thus allowing for the best possible fit policy wise.
With a little added work in regards to our investments, life insurance can go a long way towards securing our future and creating a worry free life. By sharing the benefits of life insurance with friends and family, we can make smart investments that will save us from all of life’s misfortunes and protect us from hardships.
Life often presents little opportunities that can make a big difference in our lives in years to come. Investing in a life insurance policy is one of those little opportunities, putting away small amounts of money, which can make a big difference, paying out large returns to those left behind. When we begin our investments, then our financial planning for life is well underway.
Often, when our income is higher, we forget the future in the security of the present, sometimes going more into debt based on future income than saving for future threats. This lack of financial planning can have horrendous effects. However, if when our income is higher, we continue to plan ahead, investing for the future, it will allow us to retain the luxuries of the present throughout the rest of our lives. It is easy to get caught up in the everyday which flies ever faster until it is too late, so prepare now while you are still at minimum risk and the payments will be low and the return is high.
A few years back, my aunt unexpectedly lost her husband. However, because my uncle had been investing in the universal life insurance policy for a couple of years, she was getting good returns, allowing her children to complete their education with no added financial hardships.
If you look for the best policy to meet your needs, buy from an honest and trustworthy company, and completely understand all the rules and clauses involved, there’s no way you will regret getting life insurance. Even if you never get thanked for it, it’s something you should do for yourself and your loved ones.
Susan Reynolds is the webmaster for a leading South African Life Insurance provider. For more information visit: http://life.insurance123.co.za/
Tags: death, disability, finance, health, health insurance, insurance, life cover, life insurance, people
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Sunday, April 25th, 2010
Lower back surgery should only be considered as a last resort. It is a risk that should involve serious consideration even after all other avenues have been explored and failed. The proximity of the spinal cord is just one of the risks that should be considered. As with any invasive surgery, any number of things could go wrong leaving you in worse shape than before the procedure.
Recovery from lower back surgery can take several months and can result in loss of flexibility to varying degrees. There are also many nerves that can be damaged during surgery that can lead to serious and painful complications. Any surgery that requires anesthesia carries with it an additional risk.
The most common operation on the lower back is for a bulging disc. Other terminology for bulging discs is slipped disc, herniated disc, ruptured disc, or protruding disc. This is where pressure is placed on the root nerve and/or spinal cord by a disc or disc material being forced into the opening between the vertebrae. The pain associated with this problem is classified as severe.
Rhizotomy, Cordotomy, and Drez are three treatments, which involve cutting or killing nerves in the spine, and all are dangerous. It cannot be stressed enough the dangers of lower or any spinal surgery that is not done as an emergency, life saving procedure. After a lower back operation, you can expect to be immobilized for weeks and even months depending on the severity of the injury and the extent of the surgery. Rehabilitation is often required by a trained and licensed Physical Therapist.
The major causes of back injuries are car or other types of accidents and not lifting properly or lifting weight that is too heavy. These injuries can occur quite suddenly and most people are taken by surprise when they do happen. When a person who has had a strong back all his or her life suddenly hurts himself or herself it can be quite a setback. There is a long period of time involved in the healing process of a back injury.
Back pain can be a nagging and chronic ordeal that can last for a person’s lifetime if not treated. Most doctors will try everything before resorting to invasive surgery that could do more harm than good.
There are many things you can do to prevent pack injuries including awareness of heavy lifting procedures and ergonomics as well as wearing the proper footwear and maintaining good posture. Exercise to strengthen back muscles will also help in preventing back problems.
The best medicine when it comes to your back is preventative medicine. Always practice safety and caution when it comes to heavy lifting, being careful to bend your knees and not your waist. Keep the object close to your body and always ask for help when it is available to you. This will help ensure the health of your back and spine and prevent you from having painful problems.
If lower back surgery is the only option left available to you, please consider a seeking a second opinion. Your health is on the line and lower back surgery carries a big risk. Make sure that you are aware of all of the facts and that you have exhausted every option available before you agree to go under the knife. Make sure you are prepared to spend several months recovering from your surgery and take care of any situations that you can foresee concerning pets or other things that need your attention. You will need several months after you have begun to recover for follow-up visits to make sure that everything is going well and you will need to be very careful to follow your doctor’s orders to the letter.
After your first one, you face about a 15% chance of having another. lower back surgery Chemical peels are another option for facial rejuvenation, and they can vary in strength and severity as well. The low dosage of the tricyclic drug acts by closing ?a pain gate? blocking the message to the brain.
Tags: back, clinic, disability, disease, health insurance, hospital, injury, insurance, pain, surgeon, surgery
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Saturday, April 17th, 2010
For people who have spinal problems, there might be only so much that they can do. However, technology and science keep improving every day. This means that eventually, something will be developed if it already hasn’t't been developed to help people to get the spinal relief that they need. That is why they have created minimally invasive spinal surgery. There is much to this sort of surgery.
The thing to remember is that there are many different procedures out there that do a number of things. When one has a spinal injury there might be a few surgery options for you. So, talk to your doctor about the individual procedure that you can have. In any event, you will want to talk about all the things about what you will need to know about it before you make any decision.
There are many procedures, but there are three typical ones that your doctor might choose from. For instance the first one is endoscopy. Then there is one called laproscopic. The last you will find is called thoracoscopic. Normally what they do is make a small incision using a laser. They then maneuver through these rather small incisions with a camera with an attachment and do the procedure that way.
When they talk about doing one of these three things, they normally do everything by a laser and then use the laser to make the incision. Then they use cameras and other tools as suggested above to then go in to perform the surgery. For those who hate being put under, they normally don’t have to use any real extensive things to put you under so they can perform the procedure. For those who hate the knife, you can rest assured.
One thing that could happen is depending on what sort of procedure you have been said to have to have, you might be out within a day or two. Everyone recovers a whole lot better when they can recover at home. That has been proven. We can see why too. This makes those who aren’t fond of hospitals very happy.
The other thing is that even though these are new to some extent, the insurance companies are happier to do these. This is because though it is a bit more expensive, it saves them some money. Think about it from their view of things. They don’t have to pay for super long hospital stays. They don’t have to pay for extreme measures for you to be put under as you can have this done with general anesthesia. Then there is the issue that you don’t have to have a lot of other medical attention.
Normally, some of the things that are done in these minimally invasive spinal surgeries are done on an outpatient basis. They find that they are back to work and the things that they love to do in no time at all as well. That is something everyone looks forward to.
Now, that you know a bit about minimally invasive surgery, you don’t have to fear so much. For those who have had it done say they were very happy that it was done that way. They got back to the way of life with few complications and a lot quicker this way. Take their word for it, not ours.
These are very simple explanations of the exercises. In later disease, however, it is the loss of joint integrity that creates disability. minimally invasive spinal surgery Next year estimates show that companies will spend approximately $950 million on e-mail marketing.
Tags: back, disability, disease, health insurance, insurance, pain, spinal-cord, spine, surgery
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Thursday, April 8th, 2010
Filing for disability and disability lawyers definitely go hand in hand. You want to have the best chance for a positive outcome as possible, and with all the things involved, these attorneys can put you in the right position. The first thing you want to do, is find the right one for your particular case. Be sure you get an attorney who specializes in whatever your particular case calls for. Some choose them by word of mouth, others use the Yellow Pages, and some call the state bar association.
If you have been considering filing, you should not drag your feet. Begin your search immediately for a good lawyer to point you in the right direction and let you know what you have to do from your end. They will be able to help you to understand the system, how it works, and what is the best way for you to approach it to get the help you need.
There are some common misconceptions about filing that most people hear from friends or others who know people who have filed. One big one is that the first time, everyone gets turned down. This is not the case. It does ring true that most get turned down the first time, but that does not rule you out for getting approved on the first time you file. It is just not always true.
One point of fact that people should know before filing, is that if it is due to a problem you have with either alcohol or drugs, you could be barking up a dead tree. If your situation is deemed material to your case, then you will most surely get turned down. This means that should you get off whatever drug, or alcohol, and your work abilities would improve, then you will not get the disability. But if it is deemed immaterial, and you’re getting off the alcohol or drug would not improve your situation, then you still have a chance of getting approved.
Here is a very important consideration, besides finding a reliable disability lawyer, and that is the time factor. If you are thinking about filing, the quicker the better. These things can really drag out, and for those who are indeed needy, and dependent on getting it started, you need to take action as soon as you can. Many people have waited for two or three years, only to regret it later. Set the wheels in motion quickly.
If you file for the first time, and get denied, then you have come to the place that you will need to find your attorney. This is because your case has moved from the filing status, to the appeal status. That means you will have to have a hearing before a judge, and for that, you want all your paperwork done properly and be prepared for whatever takes place. An attorney who specializes in your type of case, can steer you in the right directions, and take care of the paperwork and the time constraints.
As far as your paperwork goes, you will find that these attorneys are invaluable. Most people are just not able to get it done on their own. These attorneys know and understand the system, and are in a position to help you to put your best foot forward at the time of your hearing. They can make or break your case.
Yes, filing for disability and disability lawyers go together like white on rice. If you try to go it alone, more than likely you will flounder, and cheat yourself out of what could really make a big difference in your life. These cases are crucial to the lives of many, so it pays to be wise in choosing your attorney, and let them go to work for you and assist you in presenting your case in the best light possible for a good outcome for you. It is a life changing decision.
At this experienced Canadian law firm, every Toronto disability lawyer here is dedicated to fighting for your individual claims and rights. Navigate the legal sector effectively by contacting a qualified disability lawyer today.
Tags: addiction, attorney, benefits, canada, claims, consulting, disability, health insurance, insurance, money, professional, rights, savings, services, toronto
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Monday, March 8th, 2010
Anyone who has people who depend on them financially should have proper life insurance coverage Life cover should be at the top of your list of priorities. How will your family survive financially when you are gone? Just because you are here today does not promise a tomorrow. Nobody should be without life cover.
The lump sum policies are a cinch to obtain. Finding the right plan options with the highest amount of coverage is the tricky part.
Before you apply for life insurance there are a few things you should know. Determine how much life cover you really need, be careful not to take out too small of an amount. Do not forget to factor the home loan and other bills. Life insurance calculators can be located online to assist with determining the amount of cover you need. It is imperative to not be under insured. You want to make sure you are not over insured as well.
You have to decide the length of time the coverage Under normal situations a policy should remain in effect until dependants have left home and all financial responsibilities has been paid. Some have the policy in place until retirement age. Each individual will have their own needs for the policies length.
Make sure you are answering all the questions on the application for life cover correctly and honestly. You could be refused for life insurance coverage if you do not answer all the questions or are found to have been dishonest on your application.
Putting your cover in a trust is a considerate thought. go wrong with setting up your cover in a trust. The trust ensures that the loved ones are paid once you die. Policies that are not written in a trust will be considered part of your estate and may increase the inheritance tax liability. You will find the trust form included with your policy.
Make sure you are not paying too much for your policy. You can expect to pay a higher rate if the insurance company think of you as a higher risk.
The most popular cover is the Level Term Assurance (LTA) where the sum of your insured amount remains the same for the length of the term. If you only need cover for payment of a mortgage or other decreasing debt you could check out Decreasing Term Assurance (DTA) for a much better rate.
Things that could change your coverage needs are a new child, a new home, or even a change in occupation. Many people ignore that our life insurance needs may increase as our lives change. Make alterations whenever it is sensible that you may need more coverage.
Even if you already have a life cover policy you can shop around for a more affordable one. Make sure if you cancel your policy that you are not losing any needed benefits. A new policy could be higher is you have had any major health problems or other life changing situations.
Susan Reynolds is the content coordinator for a leading South African Insurance Provider who specialises in Life Insurance Options.
Tags: death, disability, finance, health, health insurance, insurance, life cover, life insurance, people
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Friday, March 5th, 2010
Using the right disability lawyers is a good goal for increasing your chances of success in filing a claim. Some find them through a family member or a close friend who has had to go through the process themselves at some time, and had success. Others simply go through the phone book and make calls and inquiries. And yet others may choose to try the state bar association for recommendations.
Anytime you decide that you are going to make a claim, and you need to go and find an attorney, there are going to be some key questions to ask yourself before you choose to let any certain one represent you. They need to specialize in the particular kind of case that you are bringing. This is a very important thing not to overlook. You need to ask around about any other cases they have taken, and how their success rate is.
A lot of people who have never filed before, but are around others who know someone who has, or even who have filed themselves, come away with a few misconceptions about the process. One myth they always hear, is that everyone gets denied on their first time. This is not the truth, although it is mostly true. Many more get turned down on their first time than get approved, but that does not mean that ALL do.
Another thing people should know, even before they seek an attorney, is that filing for disability due to a problem with drugs or alcohol is not a guarantee of success. If the drug in question, or the alcohol, is considered material to the case, you will not get approved. If immaterial, you may still. This means that if you should quit the use of the drug, or the alcohol, and your condition improve, then you will be turned down. If it would not improve your condition, then you may be able to get approved.
One thing to understand about filing, is the time it can take. Anyone who is considering filing, should get it done as quickly as they can. The solid truth is that the process can be very long and trying, and for people who truly need and deserve the benefits, they need to get the wheels in motion as fast as they can. This gives your disability lawyer more time and resources to prepare a case.
After you get denied for the first time, if you do, that is the time for you to find yourself an attorney to represent you. This is when your case becomes more of an appeal than a file motion. You are appealing the fact you were turned down. This takes a lot of know-how, and a lot of paperwork, and most people cannot do it without the aid of a good attorney. And it should again, be one that specializes your type of case.
When it comes to the paperwork involved, these lawyers are worth their weight in gold. They know how to meet the deadlines, and they know just what you need to do in order to position yourself for a successful outcome before a judge when your hearing takes place. It is imperative that you have everything in order if you want things to go smoothly and have a more positive outcome.
Using the right disability lawyers is crucial to many cases. If you should somehow choose one who is not so good with your particular situation, you could be shooting yourself in the foot. These hearings are life changing for many people. And these are good people, who just need help in order to survive, have a meaningful life, and find their place in the world. So if you are one who is considering filing, do so right away, and go ahead and be shopping around for the attorney who is going to be able to do the best job for you and your situation.
As an experienced Canadian law firm, every Ontario disability lawyer here is dedicated to fighting for your individual claims and rights. Navigate the legal sector effectively by contacting a qualified disability lawyer today!
Tags: addiction, attorney, benefits, canada, claims, consulting, disability, health insurance, insurance, money, professional, rights, savings, services, toronto
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Monday, March 1st, 2010
What kind of life insurance coverage will they require and how much is a question many people will probably consider at some point in time. Households grow many people find comfort by offering the safety and protection their family members need with life insurance coverage.
Nonetheless, knowing what kind you’ll need is essential as well as how much. Understanding the distinction in life insurance coverage choices along with what the differences actually suggest before buying is very important to making the best choice.
Term Life or Whole Life
These would be the two most widely used types of insurance policies though there are several variations on these types of insurance.
Term life is the word for a kind of life insurance policy that is written for a established time period. This particular policy expires in a fixed period, usually in 10, 20 or even 30 yr allotments. Throughout the lifetime of the term insurance policy, the particular premium fee doesn’t vary. As soon as it expires, the coverage cannot be renewed however instead a new plan needs to be issued with a new premium.
The term life insurance policy accrues no cash worth it’s just risk insurance. To compensate for that, the premiums on these policies are usually much lower than those of a whole life (non-expiring life insurance plan).
Whole life is a life insurance coverage that insures a person for their whole life, and this type of life insurance has positive aspects. The rates are set once the insurance plan is written if the payment is paid, the coverage is in effect. The insurance policy also accrues monetary value while it ages.
On the downside is the fact that returns on money spent are frequently not competitive for many using this as a means of investing money. Rates tend to be more costly because the issuer is required to keep the policy in force provided the premiums are kept current.
You can find variations on the above primary kinds but overall there are positives and negatives to both. Term can commonly be bought in larger amounts if the budget is limited. Accessible money can then be funneled directly into better paying investment strategies.
However being aware a rates will remain exactly the same every month as time passes and that unless death benefits are paid out the life insurance policy is accumulating cash value, may well relieve many people’s thoughts whenever purchasing whole life. The larger monthly premiums in the life of the insurance policy are understood as value and this can be a most suitable choice for all of them.
You’ll find adaptations on these which includes some hybrid life insurance coverage varieties that run out but accrue money value as well as non-expiring life insurance that pays off dividends. Persons with health problems might possibly not have a lot of selection in forms of life insurance readily available to them because insurance companies base premiums on risk factors.
The easiest way to obtain life insurance might be to consider your objectives with risk assurance. Coverage at a low price offers rates that go up if the insurance policy isn’t redeemed (you are living) and must be written another insurance policy. Alternatively, take into account risk assurance at a higher price with stable monthly premiums for your entire lifetime as a return on your investment.
Anne Durrell comes from Stockton, California. She has written a number of articles on Insurance . Please also check out her other guide on humana insurance tips, and aetna dental insurance guide!
Tags: Blogs, business, disability, finance, health, health insurance, Home and Family, illness, insurance, life annuities, long term care
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Thursday, February 25th, 2010
Life Insurance is a means of catering to the financial needs of your spouse and your kids, in the face of your unexpected demise. You just need to register with a life insurance company and sign an agreement with them, promising to pay the insurance premiums periodically, in return for their services. After the agreement is signed, your family is financially secured because even in the event of your early demise, the company will pay the entire insurance sum to your family and they need not be dependent on anyone financially.
The first step to get a life insurance is to decide upon the insurance company, that you would like to go along with ? so start hunting and shopping around for the most reliable and consistent insurance companies. You can either take the help of your insurance agent, financial advisor, colleagues, friends, or relatives to arrive at a decision. Alternatively, you may also browse through the internet and find out for yourself about the best insurance companies and their hot deals.
It is very important to opt for companies which have a prominent online visibility and which have been in business for a long period of time because this will ensure that your money is in safe hands.
Provided below are some commonest ways of getting a life insurance ?
Most people prefer to consult a qualified insurance agent or an experienced financial advisor to get some advice on which is the best insurance company from which you can obtain your life cover, and which are the best insurance deals available in the market. Being professionals from the finance and insurance sectors, these people are bound to know about the ins and outs of all the major insurance companies, and will be able to give the best suggestion to suit your needs.
Many middle aged or older employees, who may be afflicted with a chronic disease or health disorder, find it difficult to pay the huge insurance premiums. This problem can be solved by obtaining a life insurance cover through the office. Usually, many offices offer group insurance plans for all their employees and the premium amounts vary from one age group to the other. The maximum insurance benefit that can be paid for by the office is about twice the basic salary of the individual. You can opt for the group insurance cover because the premium amounts are quite low compared to the premium that you would need to pay if you were to take a life insurance on your own.
Purchasing life insurance online is the simplest and most reliable way of obtaining an insurance because with a simple click of the mouse you can instantly calculate your premium amounts (with help of the online tools) and the cost of the insurance. Moreover, all the discount schemes are laid down openly for you to check out. However, you would need to devote adequate time and energy to it. If this is not possible for you, then you can also use the services of online brokerage firms, who will do the customized research for you and come up with the best financial plan for you in exchange for a small fee.
Susan Reynolds is the webmaster for a leading South African Insurance provider who specialises in Life Insurance.
Tags: death, disability, finance, health, health insurance, insurance, life cover, life insurance, people
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