Best Child Plan Policy

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Best Child Plan Policy
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Child Insurance - How to Buy Only What You Need
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• How small? The basic and cheapest form of child
  life Best Child Plan Policy is a rider on top of
  your own insurance policy. If you can fork out 5
  a month, your child is covered with a 10,000
  death-only policy. This is a crucial, must have,
  most basic and most affordable protection you can
  give your child.
• If you wish to have a separate policy for your
  child that you can build on as he/she grow, the
  cheapest term life insurance is what you can
  consider. This type of insurance usually last the
  child up to 20 years but it can then be converted
  to a whole-life policy if you wish.

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• Think Far
• There's something you have to do right now when
  you sign up for an insurance policy for your
  child - that is to get a rider known as 'option
  to purchase'. This simply means that you can add
  more extensive coverage and upgrade as you much
  as you need to in the future no matter what
  happens. It doesn't matter if your child develop
  health complications that render him/her
  uninsurable or join a risky profession - this
  rider ensure that he/she is guaranteed the
  protection needed in the future.

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• Compare And Ask Questions
• Ask the same questions to a few agents or life
  agents online. Compare the answers and rates to
  see who is more trustable. By doing your
  homework, you'll know a good deal when you see
  one.
• Do Not Fall For Emotional Salesperson Talk
• Your child is precious to you and insurance
  agents know that too. Once you got a basic policy
  you'll be coaxed into adding health care benefits
  and accident benefits. Only select what you need
  and what you can afford.
• Do not ever listen to what they tell you about
  'projected returns' and bonus payouts. These
  people are no financial expert. In fact,
  financial experts are the ones who are not likely
  to not have an Best Child Plan Policy as they
  hate how insurance company are trying to sell
  policies as investments. If your policy have
  accumulated cash value which your child can use
  later in life, great. It's a gift to jumpstart
  his/her independent life and all but don't let it
  get to your head.

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• If you or your spouse's family have a history of
  say, cancer then it is wise to get coverage for
  that. With child insurance, a medical check up is
  usually not needed and acceptance is high. The
  bottom point is to use your own judgement, not
  relying on the words of the so-called
  professionals whose interest is to upsell you to
  fatten his paychecks.
• source-http//bit.ly/2mWD2wx

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