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Life insurance can be used: Buying life insurance typically takes weeks. Exams are conducted by a licensed paramedical or medical doctor and generally require a blood and urine specimen, blood pressure readings, height and weight measurement, and a series of questions regarding your medical history. The insurance company collects data about your personal health by sending a medical examiner to your home or office, free of charge. However, this rule of thumb does not account for current assets or any special needs you and your family may have.

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