Buzzing In Ears At Night - You Can Get Your Life Back and Stop Hearing the Non Stop Ear Ringing Buzzing In Ears At NightDo you suffering from painful buzzing ears or ringing ears? Do you lay awake at night and wonder if this will be the night that they finally stop buzzing and you can get some rest? If this sounds like you then you are probably one of the increasing numbers of people who are suffering from Tinnitus. If you have it then you...more
Try the 30-Day Smile Challenge, and Change Your Life Out of the Mouths of Baristas I just had a great conversation with Kim, one of my two favorite baristas at the local Borders Cafe. She told me about a new philosophy she had for her life. "I decided," she said, "that whenever I don't feel good or there's someone who is giving me a hard time, I'm just going to smile. And it's working." she said with a playful smile." Smiling Works ...more
What Is Long Term Disability Insurance? As it is called, long term disability insurance should pay you an income in case of disability for an extended period of time. For most people, it seems that that period of time is at least 5, 10 years or to age 65. What we have found though, is that, in most cases, policies benefit periods are just 2 years! This two year benefit period seems to be most prevalent with disability insurance policies that cover mortgage payments (or sometimes called mortgage disability insurance). Not sure why people would think that a 2 year benefit period would be good enough for a 15 or 30 year mortgage!Two years of benefits, unless that is all you can afford, is hardly long term disability coverage. We recommend that, again, if you can afford the premiums, you select a policy with a benefit period of at least 5 to 10 years or, even better, to age 65 or 67. The reason is really simple. If you were to loose your job and were told that you could not work for one year, somehow, you would find ways to survive. On the other hand, if you were to loose your job and were told that you could not get another job for 10 years, you would most likely loose all of...more
I Was Recently Diagnosed With Depression. What Happens Under My Term Life Insurance, Income Protection and Trauma Insurance Policies? A diagnosis of depression is often more of a relief than a burden. As opposed to a diagnosis of cancer, multiple sclerosis or HIV, a diagnosis of depression gives you a way forward, acknowledging the reality...more
Life Insurance for Seniors Is Unnecessary, Plus 5 More Insidious Retirement Myths For many of us, retirement is a strange and very far off time. However, for an equal number of people, retirement is just around the corner! In today's society, the voices tend to belong to the Baby Boomers and younger generations, who are comfortable spouting...more
When setting up a life insurance plan there are several points to consider. Well look at three of the most important to get right.The first thing to consider is the amount of life insurance you want (the lump sum that you choose to insure). With most life insurance plans you can choose any amount you like so the actual sum of life insurance you get is totally over to you. Most people either use an online life insurance calculator, or discuss their situation with a life insurance adviser both can be good options for deciding the correct amount of cover for you. Either way, common considerations are debt (for example using life insurance to take care of a mortgage), providing for family members (for example a replacement income), and proving for education costs for children. Once youve considered each of these areas, you will have a pretty clear idea of the amount of life insurance cover that is right for you.The next point to consider is the type of life insurance plan youd like. One consideration will be the type of premium to choose. When you start a life insurance plan you can usually choose stepped or level premiums (the stepped premium increases with age, while the level...more
What Are The Benefits Of Critical Illness Life Insurance The critical illness insurance coverage is created to safeguard against specific diseases or illnesses such as heart attack, stroke, cancer, kidney failure, coma, paralysis, MS,...more
When To Get A Critical Illness Life Insurance Policy Most people choose to sign up for a critical illness life insurance and a joint life insurance option as a substitute. This might very well be a great choice if you're making plans for all...more
How To Get Critical Life Illness Insurance CI is actually among the handful of insurance plans which in fact benefit you as opposed to your beneficiaries, since with this particular type of protection you will be the beneficiary. A life...more
The Inner Workings Of A Critical Life Insurance Policy In order to make sure that a pay-out is initiated, the policy owner should live for a minimum period of time so this will be regarded as a survivable sickness, generally around...more
Quick Tips On How To Go About Purchasing The Right Life Insurance Policy Purchasing a critical illness life insurance policy is generally a decision made by an individual more than 50 years old who wants to ensure that if they are diagnosed...more
Who Needs Critical Illness Life Insurance In some cases, this policy could be generated in a way that it guarantees a regular payment on a monthly basis. Specific surgical treatments are likewise included in this type of insurance.Life...more