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- Review Your Policy Regularly: Life events like marriage, having children, or buying a home may require more coverage.
- Understand Policy Riders: Riders are additional benefits you can add to a policy, like waiver of premium (premiums are waived if you’re disabled) or an accidental death rider (increases the payout if death is accidental).
- Consider Employer Coverage: Many employers offer basic life insurance at low or no cost. This can be a helpful supplement but often isn’t enough coverage on its own.
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