You're young, free and single. Surely you don't need life insurance, do you? That's where you're wrong. Single people need life insurance, and here are four reasons why you should get it right now.
Cover Your Funeral Expenses
There are funeral costs after death. Do you really want your parents or another relative to foot the bill or hope they can raise enough from your estate? A life insurance policy would make sure you had enough to cover the costs, so nobody else has to.
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Whether you barely converse with your townhouse neighbor beyond a smile and a nod when you see each other in your driveways or you're close friends, it's important for you to stand united when it comes to protecting your homes from problems that may arise. Given that your homes are physically touching each other, there can be times that your neighbor's neglect in a certain area could lead to damage to your home, and a need to make a claim with your home insurance provider.
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When traveling, renting a car is often a great way to be able to get where you need to go. When you rent a car, the company will offer you the ability to purchase insurance on the rental car. Before you agree to purchase or to pass on the insurance, it is important to know if there is any other way you could get the coverage you need. You do not want to drive a rental car without any insurance coverage because if anything happens while the car is in your care, you will be responsible for paying for the repairs out of your own pocket.
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While there some cases of workers compensation fraud, in which a claimant fakes injury to secure disability payments, there are also cases of employers or insurers who attempt to cheat workers out of compensation for actual injuries.
It's always a good idea to know your rights when you are injured on the job and to prepare for any dispute that may occur should a conflict arise concerning the validity of your claim.
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You probably don't want to think about it, but there will come a time when you're not here, a time when your family will have to fend for themselves. If you do nothing to prepare for that day, your family could struggle financially, emotionally, and legally, trying to put the pieces of their lives back together after your death. Following are four things you can do now to protect your family and make life easier for them when you die.
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