So many Americans are worried about how healthcare reform will ultimately impact them. As we age, the potential for long term care needs becomes more and more of a concern.The biggest reason many people do not purchase long term care insurance is because they don't want to pay for it and never use it. However, just like every other insurance product, it is better to have it than to realize later that we actually would have benefited from...more
Life insurance riders allow you to bring your policy to a custom-fit, adding whatever provisions and exclusions you require. There is a downside to making your policy non-standard, however, and that is that it can slow down your shopping process considerably, especially if you are shopping for an otherwise easy type of coverage, like term life insurance.Riders are most commonly used to expand a policy's coverage. E.g. coverage can be extended...more
Long term care insurance is a serious investment that entails time and planning. Premiums may be costly, but it is more practical to purchase LTC insurance than resort to paying out-of-pocket expenses. Good news is you can get discounts and save from premiums in these easy steps:Good Health Equates to Great SavingsIf you have good health history, you can expect for less premiums on your long term care insurance. Insurance companies typically deduct 10 percent on a person with untarnished medical records. The discount is locked in, meaning the discount remains the same despite of the change in your health condition. This is beneficial, though, since your health changes as you age.The American Association for Long Term Care Insurance conducted a study in 2008 and found out that younger applicants qualify for health discounts. It's pretty obvious that the younger you are (probably in your 50s), the greater benefits you'll receive.Spousal DiscountsInsurance companies offer discounts to married and cohabitating couples. Married couples may save from 15% to 40% per year, but the discounts really vary on the private insurer and both individuals should purchase a policy first before...more
Most of us are counting on Medicaid, disability insurance, personal savings and other resources in battling with the challenges of old age. We rarely--or not at all-- think about the possibility of staying in nursing homes some time in the future, as it only makes us vulnerable to suffering and distress, Everything in your home--car, house,...more
No one can escape old age, unless you die young. Long term care insurance is our most powerful defense when our age starts to wither and our bodies continue to shrink. Long-term care insurance can be absolutely expensive, but its cost pays off the most important part of ourselvers --our welfare and health. Why is long term care insurance so...more
There have been so many debates as to the pros and cons of purchasing long term care insurance. Through the years, long-term care insurance is part of every household of aging individuals. There are so many advantages of LTC insurance that everyone should know, but, also, there are accompanying pitfalls that could ruin your plan.So, how can you avoid the common pitfalls that you may encounter when shopping for long term care insurance? Pitfall # 1: Not comparing prices and insurersThe prices and benefits vary from one insurer to another. The cost of the premiums greatly depends on the company's desire to attract more clients, and even its flawed pricing methodology. Some insurance companies lower their prices to become more affordable than their competitors. Prices tend to escalate when more features are included in the policy--but some of these features are barely needed or, let's say, useless. There are insurers tha give the best value at superb quality, and the only way to find them is to look for them. It's important to shop around and comb every insurance companies you know to get the best benefits you need. Don't get caught with insurers trying to sweet-talk about the...more
This comprehensive SWOT profile of Hungkuk Fire & Marine Insurance Co Ltd provides you an in-depth strategic analysis of the companys businesses and operations. The profile has been compiled by to bring to you a clear and an unbiased view of the...more
This comprehensive SWOT profile of Lotte Non-Life Insurance Co Limited provides you an in-depth strategic analysis of the companys businesses and operations. The profile has been compiled by to bring to you a clear and an unbiased view of the...more
In order to get the cheapest life insurance rates, one first needs to evaluate their financial needs accurately. This goes for anyone shopping for life insurance, not just smokers. And it is very enticing for someone to simply want to rush through...more
Life insurance pays your estate or beneficiaries a lump sum should you die. However purchasing a life insurance policy in Australia is different compared to overseas life insurance policies, such as those from the U.S. The Australian life insurance...more
http://www.puritandownloads.com/swrb/products/The-Life-and-Death-of-James-Renwick-(1806)-by-Alexander-Shields.htmlWelcome to the Still Waters Revival Books video book summary for "The Life and Death of James Renwick" (1806) by Alexander...more
The best ways to maintain peace of mind is to wear emergency medical alert devices. Most senior citizen people have a condition that may or may not keep them from living independently. The answer can be to have an emergency medical alert system that...more