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	<title>Answers for InsuranceLibrary.comS. Louis Rouse -  - Rouse Insurance Services</title>
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		<title>Answer on How Much Should Life Insurance Cost Me? by S. Louis Rouse</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-should-life-insurance-cost-me#answer_9359</link>
		<dc:creator>S. Louis Rouse</dc:creator>
		<pubDate>Tue, 23 Jul 2013 14:27:55 +0000</pubDate>
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		<description><![CDATA[It is not possible to answer your question as asked.&#160; Premiums are based upon age, sex, health, tobacco use, type of life insurance chosen (term, whole life, Universal life, etc.) the amount of insurance purchased.&#160; The best thing you can do is sit down with a qualified agent and let him/her custom design a plan suited to your wants and needs.]]></description>
		<content:encoded><![CDATA[It is not possible to answer your question as asked.&nbsp; Premiums are based upon age, sex, health, tobacco use, type of life insurance chosen (term, whole life, Universal life, etc.) the amount of insurance purchased.&nbsp; The best thing you can do is sit down with a qualified agent and let him/her custom design a plan suited to your wants and needs.]]></content:encoded>
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		<title>Answer on Who Developed Critical Illness Insurance? by S. Louis Rouse</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/who-developed-critical-illness-insurance#answer_9358</link>
		<dc:creator>S. Louis Rouse</dc:creator>
		<pubDate>Tue, 23 Jul 2013 13:42:32 +0000</pubDate>
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		<description><![CDATA[South African heart surgeon Dr. Marius Bernard.. Brother to Dr. Christian Bernard   Together, they were on the team that performed the first human to human heart transplant.   First offered in 1983, The product spread throughout the British Empire before finally being offered in the United States in 1996.]]></description>
		<content:encoded><![CDATA[South African heart surgeon Dr. Marius Bernard.. Brother to Dr. Christian Bernard   Together, they were on the team that performed the first human to human heart transplant.   First offered in 1983, The product spread throughout the British Empire before finally being offered in the United States in 1996.]]></content:encoded>
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		<title>Answer on Is Critical Illness Insurance A Good Idea? by S. Louis Rouse</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/is-critical-illness-insurance-a-good-idea-2#answer_7952</link>
		<dc:creator>S. Louis Rouse</dc:creator>
		<pubDate>Fri, 28 Jun 2013 12:52:11 +0000</pubDate>
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		<description><![CDATA[Critical Illness coverages can provide money to replace lost income and to pay the expenses not coverage by your medical insurance.&#160; Studies have shown that medical insurance&#160; covers only about 40% of the true cost of a serious disease such as disease.&#160; In addition to medical coinsurance and deductibles, there is loss of income to contend with.&#160; The person that is off sick may have disability income insurance to help with this but often the spouse has to also miss work and there is nothing to replace their income.&#160; And, if it is their child that is sick,often both will miss work with no income replacement.&#160; When you add all the additional expenses of travel, special diets, transportation, child care, etc.&#160; the additional expenses can be devastating to a family.&#160; One thing I had never thought of before I had a bout with cancer was clothing expenses.&#160; I went from 215 lbs to 140 lbs which meant i had to buy new clothes.&#160; Now that I am at 185 lbs, my fat clothes don&#039;t fit and my skinny clothes don&#039;&#039;t fit so I have to buy more.&#160; 

Critics of Critical Illness insurance say it is not a good buy because you might have a condition that is not covered under the policy but if you bought a plan that covered every possible event, the cost would be prohibitive.&#160; However, you can buy coverage for some of the most common serious conditions at a very reasonable premium.&#160; I have never had a cancer patient tell me that their caner or CI policy was a bad buy.]]></description>
		<content:encoded><![CDATA[Critical Illness coverages can provide money to replace lost income and to pay the expenses not coverage by your medical insurance.&nbsp; Studies have shown that medical insurance&nbsp; covers only about 40% of the true cost of a serious disease such as disease.&nbsp; In addition to medical coinsurance and deductibles, there is loss of income to contend with.&nbsp; The person that is off sick may have disability income insurance to help with this but often the spouse has to also miss work and there is nothing to replace their income.&nbsp; And, if it is their child that is sick,often both will miss work with no income replacement.&nbsp; When you add all the additional expenses of travel, special diets, transportation, child care, etc.&nbsp; the additional expenses can be devastating to a family.&nbsp; One thing I had never thought of before I had a bout with cancer was clothing expenses.&nbsp; I went from 215 lbs to 140 lbs which meant i had to buy new clothes.&nbsp; Now that I am at 185 lbs, my fat clothes don't fit and my skinny clothes don''t fit so I have to buy more.&nbsp; 

Critics of Critical Illness insurance say it is not a good buy because you might have a condition that is not covered under the policy but if you bought a plan that covered every possible event, the cost would be prohibitive.&nbsp; However, you can buy coverage for some of the most common serious conditions at a very reasonable premium.&nbsp; I have never had a cancer patient tell me that their caner or CI policy was a bad buy.]]></content:encoded>
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		<title>Answer on What Cancers Are Covered By Critical Illness Insurance? by S. Louis Rouse</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/what-cancers-are-covered-by-critical-illness-insurance#answer_7950</link>
		<dc:creator>S. Louis Rouse</dc:creator>
		<pubDate>Fri, 28 Jun 2013 12:26:44 +0000</pubDate>
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		<description><![CDATA[Critical Illness coverage can vary depending upon the policy but as a general rule it is internal, life threatening cancer including leukemia and lymphoma.  Cancer only policies may also offer coverage for skin cancers in addition to internal cancer. The outline of coverage for any policy you may be considering should give the details as to what is covered.]]></description>
		<content:encoded><![CDATA[Critical Illness coverage can vary depending upon the policy but as a general rule it is internal, life threatening cancer including leukemia and lymphoma.  Cancer only policies may also offer coverage for skin cancers in addition to internal cancer. The outline of coverage for any policy you may be considering should give the details as to what is covered.]]></content:encoded>
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