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Life Insurance Life insurance is available from hundreds of insurance companies in New York State and we can provide premium quotes from many of them. The two major forms of life insurance are...Term Life, which doesn’t build cash value, and Whole or Universal Life, which does. Term Life is the less expensive of the two. The key factors that affect one’s premium are...age, health, and whether or not you are a smoker. Smokers generally pay 100% or more than non-smokers. |
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