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    he best rates possible. There are ways to approach the business of getting a life insurance policy that can result in discounted rates. The key is to know what to look for before you start talking to overzealous agents.

    Less coverage doesn’t always come cheaper. Many life insurance companies actually charge more for policies that don’t fall on a certain dollar level. An example is if someone wants $425,000 in life insurance coverage. They will be quoted a rate and yet a policy for $500,000 may actually cost less. The reason is that many life insurance companies sell coverage by the dollar and the more you buy, the less each dollar of coverage costs.

    Think long and hard about a policy that has a lot

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