"Fun is like life insurance; the older you get the more it costs"Kin HubbardWe have all heard about the importance of rupee cost averaging when it comes to investments but very rarely do we realise that the concept can and should be used even when buying financial protection through life insurance.In our earlier posts, we talked about how insurance gets more expensive with age and have also covered the basics of how to determine how much...more
Life Insurance for Police Officers and Other Law Enforcement Individuals First thing first, is there such a thing as police officer life insurance? Not really, but there is such thing as the right company and underwriter for life insurance for police officers. Life insurance is life insurance no matter what other term precedes or follows the word life insurance. In other words, you want to make sure that whatever the policy is called, it...more
The Many Options of No Medical Exam Life Insurance. What Is Best? When no exam life insurance started to be offered, it seems that all that was available was fast online response companies. You got approved or declined on the spot. Insurance companies used simple cross reference methods to weed out individuals. Now, much more is available. Is it better? Not necessarily.If one needs a no medical exam life insurance, many choices abound. You can go to online only companies, or a combination of online and offline, or completely offline for application and quotes. Some offer a fast answer (15 minutes), slow answer (weeks), no medical records ordered, medical records ordered...and so on.What is best? That all depends upon your needs and your ability to qualify for what is available. In other words, if you are in a hurry, you may be tempted to apply online and try to get a fast same day answer. You could also get a fast decline answer. That does not mean that applying to online only companies is a bad idea. After all, if one company declined you for no exam life insurance, it does not mean that the next also will. Each company has its on approval scale and what may be a red flag...more
Rotator Cuff Muscles Injury – Taking Care of Injured Rotor Cuff When you've injured your rotator cuff muscles, you can apply heat to the injured area for instant relief. If there is swelling, use an ice pack. If there is sign of swelling, you can take medicine such as ibuprofen or naproxen to relief the pain and inflammation. When someone...more
So, do you have to take an exam to be approved for insurance? To briefly answer this question, the answer is no, you do not have to take an exam to be granted a life insurance policy. As a matter of fact we know of at least one company that does not even ask health questions! So, it appears that anyone can get a life insurance policy without an...more
Here's a list of 51 simple, and not-so-simple ways to improve the quality of your life. I added the "not-so-simple" not to be negative, but to keep things real. Some of these really aren't so "simple", but I promise the tough ones become easier when you master the more simple ones one step at a time."If it was easy, it wasn't the way."-SevanThese are all something which at one point in my life, I had to give up, and am still working on everyday. Sometimes it's tough, but the rewards are great.1. Drink more water, drink less soda.I know soda is a hard addiction to overcome for some people, but if you're serious about attaining a better life. It's time to stop giving excuses and just do it.2. Eat less fast foodI know fast food is easy and convenient, I've been there. But to your health and well-being, it's the exact opposite. Getting a cold or the flu every year isn't worth it.3. Watch less TV, preferably no TVBelieve it or not. TV is actually the main reason overcoming certain addictions is so difficult. Overcome Television, free up much needed time to be creative and productive, overcome everything else with ease.4. Read Less MagazinesMagazines are designed to always make products,...more
Life insurance for seniors is just as important as it is for anyone else. There are a variety of reasons that you, as a senior, would benefit from life insurance, not the least of which is to be sure that your estate is taken care of in the event you...more
There are a variety of reasons that life insurance for seniors is very important to you and your family. You would not want to leave your family to foot your funeral bills, or the debts you have not had a chance to pay off. Maybe you have got...more
Life insurance for seniors is valuable for a variety of reasons. One of the biggest reasons most people get life insurance is to be sure that all their debts are paid when they pass away. Even if you retired debt free, you did not stop living. With...more
As your 50th birthday is drawing closer, you might probably be thinking of the day you will stay on that chair near the window as you wait for the caregiver to come around and change your diapers. Every adult is worried on how their senior life will...more
Have you considered buying life insurance for seniors? Still weighing the pros and cons? There are quite a few things that life insurance can do for your family once you have passed on. Life insurance can leave you knowing that you have done all you...more
There are those among us still wondering if we need to invest in life insurance for seniors. The truth of the matter is that, unless you are independently wealthy or have been extremely meticulous in planning for every eventuality in your financial...more