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For most applications, the insurer requires several weeks to collect and evaluate data from your physician and perhaps other sources of information. How big of a death benefit do I need? Generally, the younger you are, the more insurance you need to replace a loss of lifetime income for your beneficiary. It's all part of an adventure in the wild. Draw the Line I. Here are the steps a life insurance buyer typically undertakes to obtain life insurance:. How Much Do I Need?

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