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 you.One of the first questions a consumer should ask before purchasing life insurance is how much your plan should cover. Some things to consider are: the cost of funerals, burial costs, any debts that...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, these consumers must battle against denied applications, higher premium payments and increased uncertainties about the future well-being of their families.But, by pursuing the right strategies, these...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 Insurance" is relatively new, and is distinctly American. It is a close cousin to permanent "life Insurance", or "Whole Life Insurance" that grew out of the insurance industry of Great Britain which was founded originally in the insuring of sea vessels, their cargo, and especially the cargo so precious, human beings to be sold as slaves in the New World. The originations of "Term Life Insurance" followed two paths as it grew in the United States. The first was it was to be affordable to the American of lower or middle class economic status.The second it was to follow closely the establishment of "mortality tables" and was to be at pay out "tax free". Today the major insurers may sell either "whole" or "term" life insurance over the Internet, but at the end of the Great Depression Americans welcomed two salesman's to their door, the life insurance salesman and the "Bible Salesman". If Americans slammed the door on the Hoover Vacuum salesman...more
When you are looking for a life insurance plan you want to make sure that you understand what all of your options are. There are a lot of people that simply stick with a program that they have been told is a good program.First, you should talk with your friends and family so that you can get a wide variety of opinions about some plans. Many...more
Life, and insurance, after breast cancer Breast cancer strikes fear in women's hearts. It is the leading cause of cancer in women, with 207,090 women expected to be diagnosed with the disease this year alone, and is expected to claim the lives of more than 40,000 women in 2010, according to the American Cancer Society. Many of its victims...more
The lowdown on high blood pressure and life insurance High blood pressure is called the silent killer for a reason. One in three adults in the U.S. has it, many with no symptoms, no red flags, and unless they've seen a doctor lately, no idea their numbers are so high they are at risk for heart attack or stroke, according to Centers for Disease Prevention and Control."High blood pressure is a precursor or indicator of other health issues going on," says Ryan Pinney, brokerage director with Pinney Insurance Center in Roseville, Calif. He says that is why underwriters and insurance companies take into consideration an applicant's systolic (top) and diastolic (bottom) readings much like they do their height and weight when determining how they will be rated for life insurance.He says a blood pressure of 130/85 is normal and would usually result in a preferred or preferred plus rating, the best and least expensive, while 150/90 would bring you down to standard, or even substandard rating, depending on whether it is being effectively treated with medications.How high is too high? An applicant whose blood pressure soars to 180/110 and/or is left untreated, could be declined...more
What do you call news that that does not take effect until 2014? Meaningless!The fact that a federal district judge in Virginia ruled on Monday that a section of the Obama health care law is unconstitutional will not change anything because we...more
Alcohol Rehab- take a turn and bring your life back on track! One of the most common and enjoyable ways of partying is by getting drunk. Consuming alcohol, even in little amounts has become a trend for one and all. A party stands boring or...more
Life Insurance Richmond VA 33 Secret Tips To Not Get RIPPED OFF Hey there, it's Tripp, better known as the Life Insurance Whiz. So I see you're hunting for "life insurance richmond". Before you make another click, run over to...more
No exam term life insurance offers many short and long term options. Plans can be available for as long as 40 years in rate guarantee. Nevertheless, the ten year no exam term life insurance plan seems to be the most popular. And the state of the...more
Life Insurance for the Elderly, Is it Expensive? Is It Needed? First of all, what is considered elderly? Now a days it can be more difficult to define. It used to be that an elderly person was retired at around age 59, taking a vacations here...more
Finding a Reputable Florida Term Life Insurance Agency If you are a Florida resident, you may not know or understand what is going on with Florida health insurance. Florida's governor, Charlie Christ, has founded a program that helps many that...more