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Where can I purchase insurance?

The first place to look should be your employer. Many employers offer subsidized (or in some cases, free) health insurance, life insurance and long-term care insurance. Some even offer added perks like health insurance for your pet, and discounts on car or home insurance. If your employer pays for part of it, that's probably the best deal you're going to get.

If you need insurance that your job doesn't offer, you can purchase a policy through an insurance company. Insurance brokers can be pushy, but thanks to the Internet, buying life insurance has never been easier. You can get tons of quotes - and avoid pushy salespeople. For example, Insure.com has quotes from over 200 companies and plenty of detail on the policies available. The site also supplies ratings for the insurers from the major rating agencies, such as A.M. Best. Insweb has some good worksheets and advice, and articles to help you find what you're looking for.

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