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Universal life insurance starts with two key components that most people are never educated on. The first is the death benefit. This is a tax free payout designed to protect your family, replace income, and handle final expenses if something happens to you. The second is living benefits. This is the newer version of life insurance. If you experience a qualifying critical, chronic, or terminal illness, you may be able to access a portion of your death benefit while you are still alive to help cov
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