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...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 guideline that will help you prepare for a meeting with an insurance agent or financial advisor. I will...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 reside.This is why having acidosis often leads to degenerative diseases such as Cancer, Diabetes, Osteoporosis, and Cardiovascular disease. Another problem with acidosis is that it speeds up the ageing process.To combat acidosis, food high in alkalis should be consumed. But alkalis from food is not always absorbed into the body in the most efficient manner. This is why alkaline water is the best way to get your body to stop being so acidic and start being alkaline.Alkaline water contains antioxidants that helps to get rid of free radicals and slow down the ageing process. Alkaline water also helps your body get the minerals it needs instead of depleting itself. The risk of degenerative disease is also decreased when one consume alkaline water. This is because your cells are getting enough oxygen when you consume alkaline water.Although alkaline...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...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 prepared for a falling tree is a fate worse than death as the turmoil left behind an expected death can...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 to diminish, your need for life insurance may decrease. Let's look at how your life insurance needs change throughout your lifetime.Footloose and fancy-freeAs a young adult, you become more independent and self-sufficient. You no longer depend on others for your financial well-being. But in most cases, your death would still not create a financial hardship for others. For most young singles, life insurance is not a priority.Some would argue that you should buy life insurance now, while you're healthy and the rates are low. This may be a valid argument if you are at a high risk for developing a medical condition (such as diabetes) later in life. But you should also consider the earnings you could realize by investing the money now instead of spending it on insurance premiums.If you have a mortgage or other loans that are jointly held with a cosigner, your death would leave the cosigner responsible for the entire debt. You might consider...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
Life Insurance: A Source Of Hope For Cancer Survivors So you've survived an ordeal that changed your life forever. You beat cancer at its own game only to find out that not only will you have to deal with an uncertain future, you will also...more
What is a Life Insurance Settlement? Have a life insurance policy? Do you not want said policy? There are some obvious solutions, besides death, such as letting it term out or lapse due to lack of payment.These are all viable solutions, but...more