Have You Reviewed Your Insurance Coverage During Key Life Events? Buying life or living benefits insurance isn't something people are generally thinking about. Even though buying the right kind of insurance can be as important a financial decision as buying a home, it can be an uncomfortable subject to review. Let's face it; it can be uncomfortable to talk about death, illness, injury, and other unpleasant topics.There are...more
How do you get good, honest advice when buying life insurance? Have you ever been confused when considering your options for buying Life Insurance? Do you trust the advice you are getting and have confidence that it is unbiased? With the advent of technology like the internet, or the recent surge in telephone call centres, there are numerous ways to buy life insurance in Canada today. The most important thing to ask yourself when...more
Protecting the livelihood of your family through Life Insurance Death is a topic that many feel the need to avoid. Yes, it is not very nice to think about it but its inevitability is certain and there is unfortunately no escape from it. It is with this very mindset that many fail to look at life insurance policies. If you think that your health is in a pristine condition and that there is enough time you are sadly mistaken. Your family should be at the forefront of your thoughts and therefore you need to ensure that they are covered. The normal order of affairs in most families has one member that is regarded as the breadwinner. This member supports the entire family unit by ensuring the bills for housing, water and electricity, food and medical fees are paid. Families that include children will incur additional expenses. The breadwinners hold the family together and without them the family will crumble. Expenses will keep rolling in irrespective of the fact that the breadwinner has died. In many cases if one has not taken up a life insurance policy the family is left with no income whatsoever. In other cases both parents are working as they know that a single salary...more
Which Long Term Care Insurance is Right for You? The demand for long term care insurance has become a craze especially to people who are about to reach late adulthood. This has been a challenge for every family in the US – how to plan and pay for LTCi. Since most people tend to live longer, these individuals are worried not only in...more
The Main Key Factors of Long Term Care Insurance Several organizations both private and non-private, individuals and government-supported institutions provide long term care insurance. With the vastness of LTCi preferences, it can be quite difficult to determine which is most reliable and distinguish their levels of care and...more
Permanent Life Insurance If Your Problem Is Permanent You should buy permanent life insurance if you have a permanent problem. Many people try to solve permanent needs with temporary life insurance. Term life insurance provides coverage for a limited period of time, thus it is temporary insurance.Whole life and some modified whole life policies are permanent policies. When you die, regardless of how you die, the company will pay the face amount of the policy to your designated beneficiary or beneficiaries. This death benefit can be paid in one lump sum or in the form of an income.Look at it this way, if your need for life insurance is likely to always be there then a permanent policy would best fit your particular situation.Permanent policies usually have level premiums and they also have cash value which accumulate free of income tax. When the cash is withdrawn you pay the taxes.There are two types of permanent life policies, participating and nonparticipating policies. Participating policies are eligible for annual dividends if the company performs well and declares a dividend. Dividends are not guaranteed.These dividends can be used in different ways. You may...more
Guaranteed Issue Life Insurance Is Not Created Equal There are a handfull of life insurance companies that specialize in some form of "critical illness" or "impaired risk" guaranteed issue life insurance product. The vast majority of...more
Insurance Quotes: Choose Carefully For Auto Insurance Today the man is required to work very at the work place in order to earn the decent level of living. For today's man it is very important to understand the role of insurance...more
Brett Favres Chin Injury Is Yet Another Notch In His Battered NFL Career Is Brett Favre Finally Going To Say Good By? His hit against the New England Patriots halloween night is a metaphor for his last few years. His body and...more
Insurance Quotes: Select Carefully Almost every person who is the part of the modern society understands the need of having the insurance policy. The insurance policy is probably the only source of relief in the event of any mishap or...more
Network Marketing with Primerica Life Insurance: A Sure Way to Earn Money Nobody wants to be poor! And with the number of people becoming unemployed, it is only typical why they would go and look for other ways they can earn money. One...more
Making life easier and simpler with power tools Power tools - an insight for better knowledgeAlthough, power toolsare used by professional workers only for various purposes but sometimes we also face a need to make use of them. There...more