Securing Life Insurance through a Discount Broker An insurance broker is a middleman; someone who acts as an intermediary between an insurance company and a person who wants to buy life cover. A discount life insurance broker goes one step further by sacrificing all or most of the commission paid for selling a policy to reduce your premiums.If you're on a budget, using an independent discount broker can help you get a good deal on your...more
Aron Ralston's Real Life and Close Death Experience Aron Ralston is a mechanical engineer, and a daring mountaineer. A few years ago he got caught in the Blue John Canyon near Canyonlands National Park, in Southeast Utah. After struggling for five days to get his hand free from being pinched in a boulder, he cut through his hand under the elbow to free himself.is Determined but also StubbornAron Ralston has faced severe criticism for...more
There are many different reasons that people need life insurance. Most individuals have some form of debt when they pass away. It is unfortunate when family members have to assume this debt because people have not prepared properly for their demise. This happens all too often because people are consumed with living now rather than for the future.When a person has family obligations they should definitely look into gaining proper protection. The children are the ones that suffer when bills need to be paid but there is no money. Bill collectors are not concerned about the family situation at all. Funeral obligations increased in cost every year over the last decade.Credit card debt is one of the most damaging things to any individual. Many people have thousands of dollars worth of unpaid debts that they must be concerned about when purchasing any policy. Not thinking about these issues can lead to problems for many years after a person has crossed over.Having proper coverage is also important because it will enable people to pay immediate expenses after someone has passed away. Usually within the first few months after a passing things can be worked out with the companies. Most...more
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...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...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...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...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...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