IntroductionThis slide deck provides direct answers to the important questions regarding consumers behaviour towards Financial Services products. This series of reports provides country specific data, set against a global backdrop, to ensure the reader knows What Consumers Want in their area of Financial Services.Features and benefitsThe brief highlights the key findings of Datamonitors FS Consumer Insight survey for general insurance, life...more
Are LIfe And Health Insurance Worth Spending Extra Money On? Life and health insurance is definitely needed by everyone. You never know what will happen in life that may mean you need one of these types of insurance. Not having it is definitely not a mistake you want to make.That is why you need to understand why life insurance and health insurance is so imperative. Below are the reasons that these two types of insurance are definitely...more
So you are planning to invest in life insurance policy. But you are bothered about the high premium rate. Why dont you consider term life insurance? They are quite affordable as compared to whole life insurance. In a term life insurance you are covered for a certain period of time. If you die within that specified time limit, your beneficiaries will get the compensation. It would help your family a lot, especially if you are the earning member of your family. Before you buy a term life insurance policy it is crucial to do a little bit of research to make sure that you are choosing a policy that best suits your needs. Just because the premium rate of a policy is low, dont jump for it. Go through the details to ensure the benefits you are going to get are worth your investment. Here are a few tips that would help you to choose the right term life insurance policy. When you decide to buy a term life insurance policy the first thing to determine is the time period you would like the policy to last. Term life insurance policies usually last for 5, 10, 20 or 30 years. Your premium rate will also depend on the time span of your policy. Next you should consider your monthly income. This...more
Possible Benefits of Astral Projection – Increased Awareness of the Universe, Life and Death Astral projection is when a person supposedly leaves his or her body while still conscious; in the form of the person's soul. Supposedly, after the person leaves the body he or she can travel anywhere in the world the person wants to, and even in...more
An annuity is a very resource on which you can rely comfortably during the post retirement phase of your life. There are different kinds of annuity which are available, and you can choose according to whatever suits your needs the most. There are two primary kinds of annuities which are there for the annuity takers, immediate and deferred. In case...more
At the time you take out life insurance you are able to select the type of premium that best matches your situation. In brief, you can have a stepped life insurance premium, or a level life insurance premium. The difference is simply that the stepped premium (sometimes also called a rate for age premium) will increase every year with age. On the other hand, a level life insurance premium will not increase at all it will remain exactly the same from year to year. When the life insurance policy starts, the level premium will be higher than the stepped premium, however because it does not increase with age, over time it is much more cost effective.The best option to select comes down to your individual situation. If you only need cover for a short period of time (like around two or three years) you will be best off with the lower initial cost of a stepped premium, while if you want the insurance for as long as possible, a level premium is likely to be more suitable.Often, people start with a stepped premium (because of the lower initial cost), but over time, realise that the level option will probably be better long term. So, what should you check before changing?First, you need to...more
With the everincreasing demand for long term care nowadays, many insurance companies have added features, more commonly known as riders, among LTCi policies. Many insurers also attempt to make policies that are outstanding from their competitors....more
Long term care seems a household term nowadays since both media and the government collaborate to educate the public on its impact. There have been so many studies and surveys to address the problem with long term care in the country, and such...more
Long term care insurance - IntroductionUnder long-term care insurance, many services are covered that may include nursing home care, home health care, assisted living facility, adult day care, hospital care and many more. long term care insurance ...more
Life insurance no medical exam - Guaranteed issue Term Life Insurance Have you ever been refused coverage for life insurance? Guaranteed for life term insurance cover was created for those who have difficulty in obtaining basic term life...more
Life insurance no medical exam - 5 reasons to buy life insurance Did you ever find themselves unprepared for life, because things are not exactly as planned? Or have you ever been set back and fought through a situation, because he had not...more
Life Insurance Coverage – tested four ways to get discounts If you enjoy great discounts must, we must not fail to do certain things. I'm going to share some of them in this article …* "No" to smoking, if you want cheaper life insurance....more