Roughly half of Americans have life insurance. Fewer people own policies that will last beyond their current jobs. Is that a bad thing?

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"Sometimes, a life-insurance need continues beyond age 50 and even into retirement," said Glenn Daily, a fee-only insurance consultant in New York City.

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Final expense insurance is a life insurance policy designed to cover end-of-life costs. You can get approved easily, but the death benefit is typically smaller.

Compare the amount you would save over the life of the policy to the upfront cost of backdating. In the example below, you can see that while back ...

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