Are You Looking for the Best Mortgage Term Life Insurance? Mortgage protection life insurance involves using the proceeds of a life insurance policy to pay off the balance of a mortgage or provide income for the monthly mortgage or rent payment. More than its functional purpose, mortgage term life insurance is significant because it addresses one of the most important properties in one's life, one's home.A mortgage protection life...more
There are thousands of people all over the world that are trying to figure out how to retire early so they can begin living their life the way they dream of and not the way they are forced to. The truth is that there is only one real way to achieve this goal. You need to take complete control over your life. The best way to achieve this goal is to start a business of your own from home. This will let you be the boss and it is going to make it...more
Most people know they need life insurance, but just how much coverage they need can be a mystery. Experts will say that you should purchase 10 to 20 times your annual income but this is a generalization and since life insurance needs will depend on your personal financial situation, youll need to do a little more work to arrive at the ideal coverage.Calculating your coverageYou can also calculate coverage the easy way by using an online life insurance needs calculator. But heres a simple way to manually calculate your personal life insurance needs: Start with your annual income before tax deductions. From your annual income, calculate the percentage of income your family needs for living expenses. This figure should not include the amount you put into savings. How many years do you think your family would need to be covered before they are able to financially fend for themselves? Determine the number of years you would like your benefits to cover and multiply this number with living expenses. Add annual inflation rates to this amount. Deduct annual interest rates from this amount. The results of this exercise will give you a rough estimate of the amount of coverage you would...more
Folksonomies can be added as quickly as users require them and is a great tool for social discovery. They have user-driven approach that helps in organizing content through tags, cooperative classification and interaction via shared metadata. Folksonomies are executed by Portal with the use of tags that are associated to many assets and which may...more
What Establishes the Price of Life Assurance?As you most likely know, premium rates rely on many unique details about the individual that is applying. The kind of policy will, naturally, affect the price tag. Permanent policies, like entire or universal, will be dearer than transient coverage like term life. That's because an insurer will assume a...more
Many people dont know enough about life insurance and therefore fall easy prey to myths and fallacies about life insurance that just arent true. Not knowing what or who to believe, a lot of people are afraid of buying life insurance for fear of being duped by an agent into buying a policy they dont really need. What are some of the myths about life insurance you should guard against? Below weve called attention to a few you should be aware of if you want to make the best life insurance decisions. Myth 1: Everyone needs a life insurance policy! Contrary to what agents would have you believe, not everybody needs life insurance! If you dont have any debts to pay, no dependents who rely on your income for their livelihood, and enough in your bank account to pay for your funeral and cover your liabilities, chances are you dont need life insurance at all. However, if you have a large estate which may be liable to estate taxes after you die, buying a life insurance policy could help offset those taxes that a legal heir of your property would have to pay. If youre young, just married, have a house loan, student loans, or other debts to pay off, you should definitely think of life insurance...more
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Natural health followers have come to understand that aging is a disease unto itself which is accelerated by poor diet and lifestyle. Each of the identified factors which promote poor health and disease are preventable by following a natural diet of...more
Let's Talk: Difficult Elder Care Conversations As your loved one ages, making the process as safe and simple as possible may seem like a task too large to tackle all at once — but being prepared and having those difficult...more
Pre-Budget Prospect: IDBI Federal Life Insurance IDBI Federal Life Insurance has come out with a report on Pre-Budget prospect.Pre-Budget Expectation:The Union Budget 2011 would be presented on the back fall of rising inflation, high...more
Living a Comfortable Life Through a Well-Planned Retirement Aging is an inevitable phase in a man's life. No matter how we try to defy it, it is bound to happen sooner or later. This is where retirement plays an important role in every...more
Term Life Insurance Can Save You Money Term life insurance is the easiest type of life insurance to understand. To put it simply, the insured person pays a minimal premium per thousand dollars of coverage on an annual, semi annual,...more