Comparing Life Insurance Quotes Looking into life insurance is something which is extremely important and you will need to consider it very carefully before making any final decisions. The big question is whether you want to buy whole life insurance or term life insurance. Term life insurance simply means that when the person who is insured dies, the amount they were insured for goes to the beneficiary. It is rather simple and...more
Permanent life insurance is insurance policy ideal for those who dont want to feel like investing in term life insurance policy. This is often due to the fact that term life insurance, at times, results in no payment if nothing happens in the stipulated period of insurance. For example; you pay and ensure your car for a stipulated period but if your car doesnt meet any accident and get damaged in this given period, you wont get any money back. It...more
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 Prevention. The good news is that there is continual improvement in the field of medical research. Over the years, treatment of heart attacks has had more positive results, leading to quicker recovery. However, it is not surprising to note that life insurance companies would consider a person who has had a heart attack, a high-risk category. Life insurance rates for such people would reflect the severity of the disease and the steps that have been taken to treat it. While preferred rates may not be applicable, you may be able to get standard rates.Here are a few tips on how to get the best life insurance rates even after you have had a heart attack.Dont wait to purchase a life insurance policy after a heart attack. Some life insurance...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...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...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...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,...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