For most of us, the economy has hit our pockets hard. Trying to make ends meet, who hasnt missed a few credit card payments here and there? You may think nothing of it, but your life insurance carrier sure does. Besides looking at your health profile and driving record, life insurance companies look at credit scores to assess the amount of premiums you need to pay. This means that if you have been late on making payments, maxed out your credit...more
Most of us spend a lot of time choosing the perfect gift to give to your loved ones during the holiday season. Gifting a life insurance policy is probably the least thought of, but could be one of the best gifts you have ever given. It may seem like a strange way to say you care, especially during the holiday season, but this is the perfect time to show your family how much they mean to you and the perfect expression of your love for them. There...more
If you own a life insurance policy, makes sure your beneficiary knows exactly what to do when the need arises. A beneficiary is the one who receives the proceeds of your death benefits. Its only right that you should walk him or her through the process of retrieving benefits.Here are a few points you should keep in mind to help keep the process smooth and simple for your beneficiary. Following these would certainly help avoid any delay or unnecessary hassles in retrieving the proceeds of your death benefits.First of all, you should make sure your policy is from a life insurance carrier that is reputed and has a good track record for paying off death benefits.In order to prevent ambiguity, you should name the beneficiary on your life agreement policy and review your policy periodically to reflect any name changes. For instance, if your spouse is the beneficiary of the policy, and you re-marry, your first wife may be able contend for death benefits as well. You should update your policy if you have children and grandchildren. For instance, not naming your grandchildren could exclude the children of any of your deceased children from getting death benefits.Your beneficiary should know...more
A life insurance policy is basically a mutual agreement between your life insurance carrier and you. You agree to pay a certain amount of premiums for a stipulated number of years. In return, the life insurance company agrees to pay your beneficiary a certain amount of benefits if you should die during the tenure of the contract. This is the...more
Add spark to life and transplant Cord Blood Cord Blood transplant: Few years back we were unaware of the fact that the blood, which is commonly known as the Placental blood, can be of immense use. Several life threatening diseases like cancer, sickle cell anemia and other genetic diseases can be cured with the cord blood cell. The blood in...more
Explore Life Insurance for Medical Professionals with Critical illness life cover!! Get Life Insurance for Medical Professionals with Critical illness life cover easily.Whenever you get a quotation for Life Insurance for Medical Professionals, always remember that coverage against major diseases is generally can be availed at an extra cost,very little and sometimes without any fees.Critical illness life cover on top of your Life Insurance pays off a lump sum in case you are diagnosed with a major disease within a specific time period. Please note that when you fetch your Life Insurance quotation, the coverage for a serious disease is usually available only with the reserved the Critical illness life cover. If this scheme pays off then you can use the amount to conform your homeor or get assistance in your medical expenses,if you want. In case you are suffering with a major disease,namely, cancer, coronary artery bypass surgery, myocardial infarction, renal failure and other severe conditions,then amount paid under your policy will be exclusive of any taxes.However, don't get confused with the Critical illness life against the Life Insurance policy, which facilitates in...more
Long Term Care InsuranceLong-term care insurance - Why is it necessary?If you are in poor health and above 65 years of age, then you should purchase long term care insurance policy as there is always inescapable possibility of getting injured and...more
Long Term Care InsuranceIntroduction : Long term care health insuranceLong term care insurance plays an excellent role in cutting down the costs of medical and nursing expenditures for the people who have long term disabilities. Long-term care...more
Free-Look period in life insurance policies – What, Why and How? A life insurance policy is typically a long term financial commitment towards buying risk protection. Given the long term nature of the product where you are required to pay...more
Life; pain, agony and success Well....everybody undergoes through stresses, difficulties, pain. Some fight it off while others lose it by just complaining about it. These tensions in life are so many that we tend to get afraid, fear grips and...more
Wondering How to Find Affordable Life Insurance Rates? An Insurance Broker Is Your Best ResourceIf you are wondering how to find affordable life insurance rates you should speak to an insurance broker. Unlike an insurance agent, an insurance broker...more
Long Term Care Insurance Long Term Care InsuranceGetting long term care insurance quotes is fast and easy with our online comparison service, saving your lots of time and money. Provide all your personal information, type of policy, zip code, age and...more