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help needed,morgage/life/health ins

thought it was about time i had some sort of ins to cover me if i cant work or die, so basically im 34 m,fit,dont smoke no children. i have 2 houses . i would like some help please to determine what type of ins i need & who to get it from.i could probly spend all day on here reading up on it but still probly wont understand what excactly i need. thanks for feedback
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