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Do not believe that life insurance or car insurance rates are set by state governments, because they are not. They are REGULATED but that is not the same thing. by 

When I decided to by life insurance, I read a book on it and got quotes from five companies and each one had a different rate and some different features. TIAA-CREF won a good margin. There was one company that was slightly better, but it only was offered to Lutheran clergy. 


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