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	<title>Life Insurance Guru</title>
	<link>http://www.lifeinsuranceguru.org</link>
	<description>A guide to navigate through the complex world of life insurance.</description>
	<lastBuildDate>Sat, 23 Dec 2006 15:49:56 +0000</lastBuildDate>
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		<title>Do Millionaires Need Life Insurance?</title>
		<description><![CDATA[The answer to this question isn&#8217;t clear cut, but there are some general guidelines to follow.  Most important of all is that you should only buy life insurance to protect against financial hardship after death.  If you have millions or even billions of dollars in the coffers, and you think that this money [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/do-millionaires-need-life-insurance.html</link>
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		<title>How to Avoid Online Life Insurance Fraud</title>
		<description><![CDATA[As in all other areas of life, if the insurance deal is too good to be true, it probably is.  It is very easy to be a victim of an insurance scam if the applicant is not aware or educated of the basic details of purchasing a life insurance policy.  In fact, the [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/how-to-avoid-online-life-insurance-fraud.html</link>
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		<title>Is it Possible to Buy Life Insurance Online?</title>
		<description><![CDATA[Buying life insurance online is possible in as little as 15 minutes.  This is much faster than the traditional six to eight weeks buying process.  Online access provides consumers the advantage of quick service while providing clear ways of viewing their buying options.  However, common sense dictates a reasonable amount of caution [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/is-it-possible-to-buy-life-insurance-online.html</link>
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		<title>How to Choose Which Type of Life Insurance is Right For You?</title>
		<description><![CDATA[The first step in planning a life insurance is to determine what the expected economic needs are of the dependents that are to be left behind in case of death of the insured.  People often commit the mistake of thinking about what their needs are when in fact, it is the needs of those [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/how-to-choose-which-type-of-life-insurance-is-right-for-you.html</link>
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		<title>What are the Best Life Insurance Companies in the US?</title>
		<description><![CDATA[Major ratings companies on the United States and Canada evaluate insurers and provide information and ratings on financial strength. Some of which are the A.M. Best Company, Standard and Poor’s, Moody’s Investor Services, Duff and Phelps Credit Rating Company and TRAC Early Warning Solvency Tests for Canadian companies only.  Each employs its own technique [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/what-are-the-best-life-insurance-companies-in-the-us.html</link>
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		<title>Is Life Insurance a Good Financial Investment Compared to Stocks?</title>
		<description><![CDATA[Life insurance is not primarily an investment tool although most policies carry an investment component. Although more and more financial consultants are including it in the overall financial planning for their clients, you should alway look for other primary investment vehicles.  The investment component of life insurance policies is usually related to mutual funds. [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/is-life-insurance-a-good-financial-investment-compared-to-stocks.html</link>
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		<title>What Does Life Insurance Not Cover?</title>
		<description><![CDATA[Life insurance does not cover death that occurs due to intentional, self-inflicted injury, any act that is attributable to war, atomic explosions, nuclear fusion or radioactive gas and the like or military, naval or air services for any country at war.  In case of suicide within the first 2 years from the effective date [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/what-does-life-insurance-not-cover.html</link>
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		<title>What Does Life Insurance Cover?</title>
		<description><![CDATA[Life insurance helps protect families by replacing lost income if a wage earner dies.  The death benefit is given to the beneficiaries as long as the policy is still in force, death occurs beyond the contestability period and no medical conditions have been concealed to get the cover.  The beneficiaries could expect to [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/what-does-life-insurance-cover.html</link>
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		<title>What Types of Life Insurance are Available?</title>
		<description><![CDATA[Life insurance is generally categorized as either Term or Permanent Insurance. The three key types of Permanent Insurance are Whole Life, Universal Life and Variable Universal Life Insurance.  A suitable choice would depend on the needs and personal circumstances of an individual.
Term Insurance is the simplest type of life insurance and requires the smallest [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/what-types-of-life-insurance-are-available.html</link>
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		<title>Can You Get Discounts for Life Insurance?</title>
		<description><![CDATA[There are premium discounts for particular amounts of life insurance but more than the discounts, there are other factors that have to be considered before one can actually determine whether such discounts are to their benefit.  Buying the wrong coverage for a low premium is a waste of money.  Besides, there are other [...]]]></description>
		<link>http://www.lifeinsuranceguru.org/guide/can-you-get-discounts-for-life-insurance.html</link>
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