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Insurance is an important part of any financial plan. It transfers risk away from the individual in exchange for a premium payment. It is very valuable in some key areas to help avoid financial devastation but can also be a drag on your ability to get out of debt and grow wealth if the wrong plans are purchased.

Read more for a brief review of strategies that Dave Ramsey recommends as an overall approach to purchasing insurance in a way that will maximize your protection and minimize your costs.

(Source: DaveRamsey.com)

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