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 debts, be it mortgage or cars, Guffey says. A case can be made to have more, though, to make up for lost income, for instance. "For young people, term insurance is a very cheap and a very cost effective way to take away risk," Hauserman says. Need for life insurance Nike Shox Mens Basketball Shoes

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It's at this point that many consumers might opt to consider skipping life insurance, and instead moving the cash toward a long term care policy, to protect them from .

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On the liability side, mortgage balances are starting to fall as the loans have been paid on for years. Meanwhile, college savings plans and retirement plans are probably well on the way at this point. Most people in this stage in their lives, too, should have their term policies in place that they set up while they were younger. That's not to say there's no need for life insurance in this age bracket. There are cases when consumers might add a second home, have a child or adopt children later in their careers. Some people in this stage in their lives might also need to think about providing financial security for grandchildren, Guffey says.

life insurance.

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Once consumers get within 10 years of retirement, or are retired, life insurance is no longer needed for protection. Nike Shox Cheap Free Shipping The biggest financial risk is no longer death, but rather, the odds of needing constant medical attention, says Greg Dorriety of Optimum Asset Management and a Certified Financial Planner. By the time people get into their 50s and 60s, their kids are working, homes are paid for and most expenses drop. The exception to that, however, is medical costs, which are rising in many cases.

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wanes, but doesn't disappear: 35 to 55. Insurance still plays a role in the financial "pre retirement years," but it's starting to get less important, Guffey says. By the time people are hitting these years, especially if they had a financial plan when they were younger, they see their liabilities shrink and their assets grow. This reduces the need for Discount Nike Shox Womens Shoes

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These unique cases require protection. Life insurance turns into something else: 55 +. Nike Shox Pink And Black

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