The most affordable class of life insurance has always been term life insurance, at least from the time when it came on the market in the 1970s. However even though the cover itself is the least expensive life assurance you can purchase, there are several ways to cut back expenditure and obtain policies that are even less pricey. Here is how to obtain low-cost term life insurance.If you buy term life cover, you will be buying the indemnity for an...more
Change Your Life With the 11 Forgotten Laws and Bob Proctor When I first saw Bob Proctor on the movie "The Secret," it tickled me the way he kissed his own hand. Though he wasn't always secure and that sure of himself, after more than 40 years being successful at these personal growth techniques and teaching people how to change their lives in a few short weeks, he's earned these accolades in my book.He Walks the Talk His copy of Napoleon...more
For many individuals, the process of taking out a life insurance policy is seen as time consuming and tedious, not only because of the seemingly endless paperwork, but also because of the necessity of a medical exam. There are many people who simply don't like going to the doctor or specifically find it a hassle to deal with things like medical exams and doctor visits. By opting instead for a life insurance policy that doesn't require the medical exam, the hassle is taken out of the process. Luckily many American insurers are now providing such policies.What Sets Apart Life Insurance Policies Without Medical ExamsDifferent life insurance companies treat these types of policies without medical exams differently. Some of them are referred to as "term life insurance"; others are called "simplified life insurance" or "guaranteed issue policy". They do however have one thing in common; they all have limited benefits, which are lower amounts than comparable products that do have medical exams.Companies limit benefits so that they can offer no medical exam policies at affordable rates. If they were to offer such policies at the same level of benefits as a regular policy, the rates would...more
Term Life Insurance Pros and Cons Before you buy life insurance, please take some time to learn about it. That way you can make a good choice. You will need to decide how much coverage you want, how long you want it for, and what type of policy to buy! Term insurance is very popular thse days. Consider some advantages and disadvantages of...more
Life insurance is the best tool to offer financial protection to the buyer from the insurer. Since the figure of mishaps and death rates are increasing at an alarming rate, majority of the people need to ensure their life and priceless via due to|owing to perfect insurance security. Life insurance can be easily bought from any reliable insurance...more
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 know just how debilitating it can be and how you would do just about anything to make it go away.There is nothing worse than turning all night in bed with these ringing ears that just won't stop. Not only can you not sleep, but you also have trouble concentrating at work and when you are with your family and friends. Your family and friends will often comment that you just aren't yourself anymore. Well of course you're not because there is a constant ring in your ear and you can't sleep or concentrate the way you use to. Buzzing In Ears At NightSome suffers choose to have surgery and spend thousands of dollars in their quest for relief. Not only is the operation expensive it really can take a ton of time to go to the doctor's office for...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. ...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...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,...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,...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...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