Having adequate insurance coverage for your life, health, home, and automobile is a sound part of any individual’s overall financial planning. But this insurance coverage isn’t free, of course. You pay premiums for each type of coverage you have, and you pay higher premiums in order to get more coverage. At a certain point – especially if you have a change in your life or your family situation – you might find yourself paying premiums for coverage that is excessive, or no longer necessary. There are a number of different circumstances where it may be appropriate for you...

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