So, it is a well known fact that improving your health can improve your life insurance rates. A few chronic health conditions that can prevent you from getting a good rate on life insurance are high blood pressure, diabetes, cancer and heart disease. Life style-related conditions such as smoking, obesity and drinking also have a negative impact in underwriting your life insurance rate. The only way you can improve your chances for a good rate is...more
Being overweight is usually a cause of concern when applying for a life insurance policy. Some people who have challenging health issues related to being overweight think they cannot get any insurance at all and therefore, may not even try applying for life insurance coverage. Some have tried and have been declined by the few life insurance companies they have applied to. The fact is, even if you are overweight or obese, you may still be able to...more
Another way you can save on premium payments is by making annual payments. Most life insurance companies offer several payment options. You can pay monthly, annually or even quarterly or semi-annually. However, life insurance consumers may not know that by paying your premiums, other than annually, you may incur interest or what may be termed as penalty fees This interest is called the Annual Percentage Rate or APR. The APR varies from company to company. The consumer protection legislation and rules do not require companies to disclose their APR but there are general rules that you can apply to ascertain whether it is worth paying monthly premiums against annual premiums. Some online insurance quote providers offer a quick and easy way to do this is by using an APR calculator to derive at these figures.So, one easy way to save on life insurance is to pay premiums annually. If you can afford this, it is definitely worth the savings. With some life insurance carriers, paying your life insurance premiums annually can save you up to 20 percent. By paying annually, you can actually reduce the premium. For instance, if your annual premium payment is $2000.00, your monthly premium may...more
It is fairly obvious that your life insurance policy should name a beneficiary since the sole purpose of a policy is to ensure that your loved ones will be financially supported after your death. Most life insurance policies bequeath their proceedings to their spouse or children, but how this is worded in your life insurance policy is crucial and...more
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An alternative which protects you against declining insurability as well as providing life insurance that meets your changing needs is to plan ahead. Since individuals' insurance needs generally decrease as they age, most people can satisfy their needs by buying multiple policies when they are young and then dropping them progressively. For instance, at age 35, you might carry three term life policies. At age 35, one of them might expire, leaving you with two term policies. After all, by age 45, you're done paying for your kids' braces, and you don't need to support your spouse for as many years. At age 55, another policy might expire, leaving you with only a single term policy. After all, by age 55, the kids are supporting themselves, and with no child-rearing duties, your spouse may be able to get a job to support him/herself. All that remains of your coverage needs is final expenses and perhaps some standard-of-living maintenance.Analysis: Adjusting Coverage w/ Adjustable Life Insurance By: Mark Manderson About the Author If you're interested in adjustable life insurance or other types of life insurance or if you need to find a free life insurance advisor to...more
Wilkinson injury scare for England By: sam pit About the Author Corporate Hospitality Group is rugby union authorized partner for selling tickets and hospitality. You can book your tickets and hospitality with 100% guarantee on...more
The Types of Long Term Care Insurance Policies By: christine About the Author Need more information about types of long term care insurance policies? Visit http://www.completelongtermcare.com and read articles on long term care...more
We cant change our past, but we can surely control our present and mould our future.Insurance is a financial instrument designed to manage risks and unpredicted incidents in life. Hence life insurance should be purchased in advance without waiting...more
Calgary life insurance provides an option for saving cash so that you can use that money for you and your family's future. By getting this insurance, you secure your family's future and you will be free from worries about what will happen to your...more
The market is flooded with life insurance plans and policies. There is term life insurance, whole life insurance, and universal life insurance by dozens of life insurance companies at varied rates and prices. If you are buying the life insurance plan...more
In this article we are going to discuss an easy way to enlarge your penis naturally. If you are at all familiar with my own writing on this topic you are already aware that this is the ONLY type of male enhancement I recommend. All of my personal...more