What are affirmations?Any thought that is passed on to the subconscious often enough and convincingly enough is finally accepted.- Robert CollierAffirmations are positive statements that you can write and say out loud to bring about positive changes in your life. Our lives are directed and influenced by the constant flood of thoughts going through our minds. These thoughts can be about ourselves, our relationships, our health, our prosperity, our...more
It's a fact that life insurance coverage for those over 50 years old is needed even if you don't have insurance at the present time. Over 50s life insurance for older people assures family members that they will not carry the financial burden of the policyholder. Upon a person's death, there are many factors that are involved that require financial assistance that a life insurance policy can take care of.Burial expenses itself may cost your...more
Traditionally in India, health insurance has been mostly offered by the general insurance companies or by the specialized health insurance companies. Of late however, we have seen that the life insurance companies have become very active in offering health insurance. Earlier, at best they would have a critical illness rider on their health insurance policies or a daily hospitalization allowance rider. But in the last year or so, this has undergone a significant change. Today, we see companies such as AEGON Religare Life Insurance, Aviva Life, ICICI Prudential etc aggressively promote their health insurance plans.IRDA, under pressure from SEBI, to reduce charges on Unit Linked life insurance products, has rung in some sweeping changes on the structure and charges of these products. Somewhere along the line, life insurance companies started reducing the weightage on the protection component of the ULIPs and started concentrating heavily on the investment component. ULIPs in its core construct started being like mutual fund product, albeit with high charge structure and longer lockins. In the recent changes mentioned by IRDA, ULIPs necessarily need to have a protection level (...more
Life insurance for many people is something of an enigma. There are many different companies offering (BMO life insurance, TD life insurance and CIBC life insurance to name a few), but idea of being paid money after you've died for many people seems counter-intuitive or nonsensical. Surely after you're dead you won't need any money? Of course for...more
Taking out life insurance is very important for anyone with a family that relies on their income. Even in some cases where the family does not rely on your income, it can still be a good idea to take out life insurance to help them cope in the highly upsetting and difficult event of your death. It's a great way to posthumously take care of the...more
The best insurance is term life insurance, at least ever since it first appeared in the mid 70s. Even if term insurance is the most inexpensive you are able to purchase, there are a few possibilities to decrease payments and find plans that are even less costly. Here is how to obtain low-priced term life insurance.If you obtain term life cover, you are purchasing the assurance for a specificperiod - the time-span of this certificate. These terms range from 5 years to forty years, and they are frequently predicated on your age when you purchase the policy. In other words, you can't buy a forty year policy if you're 70 years old.A term policy is generally pretty straight forward. Not like cash value insurance plans which have multiple page documents that specify how to claim your benefits and manage your investment percentage, a term policy is nothing above a death benefit. In a nut-shell, in the event you pass away in the term of the policy, your beneficiaries immediately obtain the complete face value of the plan. That will not be valid if you happen to pass away in suspicious circumstances.Countless term insurance plans contain clauses that actually add money (and of course value)...more
Comparing life insurance quotes can be an onerous task as there are so many policies available in Australia. However we'll help you in your quest by outlining what points you should compare to find the best policy.Before we start, what exactly is...more
To be able to find inexpensive term life insurance plan, it will help if you know what you are searching for. By knowing how rates are determined, you are able to reach a better position to obtain good rates, it doesn't matter how much you've got to...more
Sumitomo Life Insurance Company - SWOT Analysis company profile is the essential source for top-level company data and information. Sumitomo Life Insurance Company - SWOT Analysis examines the companys key business structure and operations, history...more
If its a retirement benefit plan, a mortgage protection, a child life insurance or any sound life insurance policy to secure your future finances, you know you cannot go without comparing the insurance quotes. Even if you do, you are never sure if...more
When setting up life insurance, you can choose any lump sum you would like. However as your situation changes over time you might find that you need a greater amount of life insurance (for example if you have had children or taken out a mortgage your...more
'Reveal deep and secret things to me about my life, dear Lord!'This was the desperate plea in my heart as I checked into a hotel in DeSoto, Texas, early in the morning of June 22, 2006. I paid for three days but was prepared to stay more. My Bible, a...more