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How long do I need coverage? Homemakers need coverage for at least as long as their dependents children, invalids, etc. The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete. Some of our preferred partners are listed below. Whole Life Insurance — These policies guarantee coverage up to a certain age usually age 95 or and provide cash value, which means that they can be liquidated for cash in the event the insurance is no longer needed. Additionally, your age and income have a direct bearing on your life insurance needs.

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