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She then likewise made a point about the future. Although she would prefer to take this path now, when she has kids and a mortgage, she will likely desire a greater quantity of insurance and at that time would be ready to do an examination to secure a much better rate, so she may just have this policy for 5 to 10 years. And if that's the plan, when she does make an application for the bigger policy, she can change the RBC Express Term policy.

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