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I have all of the above. For those who say they're too young for life/disability insurance remember one important factor. The younger you are the cheaper your rate is, for the same coverage.
I have over a million dollars in coverage and I pay peanuts for it, cause I've had it for 10 years. Had I got it this year I would have been paying almost 4 times the amount I'm paying now, for 2/3 the coverage.
Something to think about. ;)
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