A friend of mine did the resonsible thing, and bought life insurance, when she had a child. She did what most of us do, and went to a trusted friend, who then sold her overpriced insurance.
I was able to look at her coverage, and show her how she was paying too much for her life insurance. I was able to write her a policy for the same amount of coverage (plus a child rider) for half the price of what she was currently paying, and she didn't even have to take a medical exam this time. I then showed her how to use the extra money she had each month to pay off some of her debt.
So instead of just having life insurance, she now has life insurance for her, coverage for her little girl, and money left over!
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