Since the premium rates of term life insurance are cheaper, people prefer to go for term life insurance at a young age. But it is also common among people to switch to whole life insurance at a later stage of their life, when they can afford paying high premiums. Getting a whole life insurance is a good idea because term life insurance policies offer coverage for only a certain period of time. Whole life insurance is expensive but those who wish...more
Life Insurance goes the corporate way This universe is a unique blend of chance and reasoning. The things which are a product of reasoning can be controlled or we can at least try to control them. However the things which are controlled by chance cannot be controlled by human beings. So what will happen to us if the events controlled by chance occur in our life with a negative effect. I know this must be one of worst nightmares that we...more
How to obtain life insurance when you have heart disease A history of heart disease won't necessarily flatline your chances of obtaining life insurance at reasonable rates, insurance experts say, provided you have the condition under control and you're following doctor's orders.Take "Jeff" for instance. Obese and a smoker, he needed a bypass and a couple stents to keep his arteries open. His doctor told him to lose 100 pounds and kick the habit if he wanted to live, relates his insurer, Ryan Pinney, a brokerage director with Pinney Insurance Center Inc. in Roseville, Calif. Jeff lost 140 pounds, stopped smoking and takes his cholesterol medicine faithfully."I was able to get him life insurance at a preferred rate," Pinney says. "He's healthier now than he was back then." A preferred rate would cost around $60 for the same policy that would cost $100 at a standard rate, he says.Dr. Robert Pokorski, chief medical strategist for The Hartford's Individual Life Division, says in general, life insurance can be offered six months after bypass, angioplasty, or use of stents, usually at a small to moderate additional premium.Whether one is insurable depends on the type and severity...more
Missing sleep can increase life insurance rates We're not accusing you of snoring, but let's get technical for a moment. When you fall asleep, the soft tissues in your body relax, and sometimes block your airways. Snoring is your body's way of moving soft tissue out of the way. If you have a sleep disorder, the best way to get insurance at...more
Starting Your Career as a Property Insurance Lawyer The insurance that provides protection of real property against storm damage, theft, fire and other risks and hazards is known as property insurance.Often insurance companies hesitate to pay the compensation amount to the insurer for one reason or another. So, to deal with such situations,...more
Term Life Insurance Quotes Determine Your Life Insurance A striking knowledge of the current life insurance policy holders is the use of term life insurance quotes. This enables them to choose the right type of policy according to their capacity of meeting the monthly charges. Insurant is able to choose the right life insurance from out of the quotesMany people have less information regarding life insurances. Most of them think that it is just another type of expense. What they don't really know is the real advantage of acquiring one for them. An insurer who has an existing life insurance enjoys the benefits of assuring his beneficiary a designated amount of cash should the insurer dies within the period of the term. The beneficiary shall present to the company the proof of the death of the insurer to claim the allotted cashThe claimed benefit will help the surviving family to pay for some of the home expenses that the deceased insurer has failed to provide. This will be enough to begin for a new life without the presence of the breadwinner. If the claim is a little higher (depending on the type of life insurance), it can help support their home loan. It can...more
Life Insurance Is The Best Policy For Oneself For a better economical, bright future it is good to plan to buy a life insurance. One cannot predict about one's future life. So buying a life insurance no exam policy will definitely give...more
Individuals Can Seek Cheap Term Life Insurance Cost To Avail Amazing Monetary Assistance A term life insurance cost depends on the type of life insurance that you apply for. Each type differs with each other. Like in the case of a term...more
Important Long Term Care Insurance Information To Know As they get older long term care insurance is something that most people will need, but unfortunately not everyone will get it. So you can see why it is essential for everyone to have...more
Thinking About Buying Life Insurance The decision to purchase life insurance may be a bit more complicated than it sounds. To make it an easy purchase you need to ask yourself a few questions in order to find the best company and policy for...more
Life insurance can be an important investment as it provides protection and assurance against life's many uncertainties.However, it is also a necessity that those who have existing medical conditions may find themselves without. In many instances,...more
"Term Life Insurance" is not just an affordable choice for many Americans needing the financial security of obtaining life insurance to cover their survivors or beneficiaries needs, or for paying debts they might owe. The concept of "Term Life...more