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Return of premium riders let you collect the cash you paid for coverage if you don’t use it, but there may be better options.
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Long-term illness and injuries are enough to deal with; learn how long-term disability insurance works before you might need it.
Long-term disability insurance offers you protection against loss of income should you become disabled or ill and unable to work.
Two types of insurance that sound very similar at first. Dive into the differences and why you would want both.
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