If you have recently had a heart attack, getting life insurance at a fair rate may not be as difficult as you think. Depending on the severity of your condition, there are some medical underwriters that may look at your case more favorably than others.Heart disease affects about 12 percent of the American adult population and is ranked the number one killer disease of the nation, according to statistics from the Centers for Disease Control and...more
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 are plenty of reasons why you should consider adding a life insurance policy to the other special gifts you put under the Christmas tree.It saves your family from going through financial trauma. Losing a loved one leaves a gaping hole in the family, a place which is truly irreplaceable. In addition to the emotional struggles, families who are unprotected face the extra burden of financial insecurity.By purchasing a life insurance policy, you would cover all your familys financial needs. They would be able to afford to live the same kind of lifestyle they are accustomed to. They would have enough money to cover any debts you may leave behind, mortgage expenses and put your children through a decent college education.Not having life insurance...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...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 the umbilical cord is rich in stem cells. Stem cells act like a building block in our body. When a body is affected with a disease like leukemia, the white blood cells stops regenerating in the body. The stem cells in the cord blood have the ability to reproduce more than 200 types of tissues.At the time of delivery, the blood from the umbilical cord needs to be collected within 10 minutes from the delivery. Once the blood is collected, several chemicals are added for the preservation. The cord blood can be stored for the donor itself or for general use. In case the blood is donated, it is kept in the Public bank and if the same is collected for personal use then it is kept in the private banks. Once the cord blood is injected to the patient it adds spark to life. No other medicine in the world can do such wonder as the cord blood. The...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...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