With life size plush toys, a whole new way to play is immediately opened up for a child; no more pretending a lion or tiger is about to pounce in their make-believe jungle, but rather, they can have a soft toy that is almost as big as the real thing. With toy bears that are 7.5 feet in length or giraffes that are 4.5 feet in height, life size plush enables a child to bring the real animal to 'life,' all in the comfort of their own home.The...more
How Can You Simply Determine How Much Life Insurance You Need? Can you exactly calculate how much life insurance you need? As in EXACTLY determine "how much" financially dependent your family would be when you are not around? Well, honestly it's not possible and hence the best method to determine how much life insurance one needs is "guestimation" i.e. guess + estimation…:-)On a serious note, there are loads and loads of complicated ways...more
A life insurance trust is the best option, especially for those looking in the over 50's life insurance market because of the advantages a trust offers in saving tens of thousands in inheritance tax. So now it becomes clear that the choice of trustees is vital and that you are comfortable with your choices. As the settlor, you have the privilege to be one of the trustees, if you have decided upon a joint life insurance policy, you and your spouse can both be trustees with the same level of power and rights within the trust. Many, if not all financial advisors will advise that there should be two trustees at any one time as a minimum, though you can name as many as you require in reality. If all the trustees have died, the trust is still valid and exempt from IHT, but the trust would have to go through probate, negating one of the advantages of trusts in the first place, a speedy payout and no probate fees. Ergo one desired quality of trustees is they be at least not older than yourself and be in good shape.So what other qualities should your desired trustee have? Right, legal thresholds to being a trustee first, the nominated trustee must not be or recently have been bankrupt, be...more
One of the most important questions that gets asked when helping people with life insurance is how much life insurance do I really need?There are many variable to this topic and there is no one best method or formula. There are however a number of constants that most financial professions will look at. What I would like to do here is provide a...more
Alkalife Drops and Alkaline Water The foods and drinks consumed in the modern world today is highly acidic. A body high in acid wastes is called acidosis. Acidosis suffocates our healthy cells, causing oxygen to be depleted. And as the oxygen in our body is depleted, those healthy cells decay and become perfect places for disease to...more
Insurance is one of those things that you get because you have to usually. It just seems imprudent to live without them. It is important to realize though that they are likely your families greatest source of protection. A lot of folks have been questioning the importance of keeping the coverage they have because financially times have been really tough. Before letting it go or getting less, think about a few things.Insurance coverage is an essential part of your family's security and while many types of insurance like life insurance, disability insurance, and homeowner's or renter's insurance have very little activity they are of paramount importance to your family. Keeping your family safe means having these forms of protection in place even during the times when you don't need them. One lapse of payment, one injury, one death and the financial climate of your family can change in a heart beat.Car insurance is the one type of insurance that most people take seriously but for the most part this is only because they are required by law to maintain this insurance, otherwise it would probably be quickly tossed out the window with the others. Having laws that require insurance can...more
Protect Your Loved Ones With Life Insurance Cover Let's face it, stuff happens and life insurance cover is possibly the single most important step you can take to protect your loved ones if you suddenly meet an untimely demise. Not being...more
Your need for life insurance changes as your life changes. When you're young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Then, as your responsibilities once again begin...more
Tips for best life insurance rate Tips for best life insurance rate are not easy to find, especially from people that understand the business and are willing to share their knowledge. As a life insurance is made by your "shape" as customer so...more
Long Term Disability Care Insurance There has been a great deal of progress in medical science and rehabilitation techniques that people today have more chances of living longer lives. Long before this improvements have been realized, more...more
Can You Get Life Insurance When Your High Risk? In years past, many people were turned down for life insurance policies because they were deemed to be a high risk. Companies often demanded that applicants pass a physical exam that was done by...more
The Purpose of Long-Term Care Insurance As people begin to live longer, long-term care insurance becomes more important. Long-term care insurance helps provide for the cost of long-term care which can be incredibly expensive. It is used to...more