John Hancock Life Insurance – Online Quotes: What to Look For Choosing the right type of life insurance can make all the difference for you and your family. These plans need to provide years of coverage, so you will want to choose a company that is financially sound. John Hancock has over 140 years of experience in the insurance industry and is also one of the highest-rated insurance companies in the United States. This company offers...more
Six Gadgets that Can Make Life a Little Bit Easier Technology is supposed to make our lives easier, to free up time for friends and family. But when we look at the latest gadgets, many of them have no practical application. They are simply there to entertain or distract us. In this article we will review six influential gadgets that actually can give us more leisure time.SmartphonesThe standard Smartphone is essentially a handheld computer...more
What Do Real Parents Think About Life Insurance Policies? Today we examine some comments from real life parents about life insurance policies and their attached issues. "My Mum flipped out on me when I mentioned taking out life insurance policies for my kids, she said that the most I would need is a funeral plan and anything more is morbid ... she doesn't understand that if I lost a child, it's not like I would be able to hop in the car and go to work the next day". This grandmother's reaction is quite common. Many people still hang onto old superstitions about inviting the things you think about into your home, and worry that thinking about death means that they'll die sooner. Once you recognize the objection, it is quite easy to see where it doesn't stand up! And the mother in this situation is quite right that life insurance policies for children can provide a much-needed safety net for the time when parents are grieving and cannot return to work. The standard two days of bereavement leave that you get with a major company simply wouldn't cut the mustard if you lost a child. "As I get closer and closer to parenthood, I'm starting to...more
Life Insurance for Seniors - Is It Worthwhile? However, life insurance becomes necessarily exponentially more expensive as you age. Is it worth buying a life insurance for seniors policy after you hit 55? Average PremiumsThe average life insurance premium for:50 year old Male Non-smokerProfessionally employed With no health issuesFor a...more
Why Don't People Buy Life Insurance? However, not all Australians have life insurance. So what drives people to take such risks? We find out. "I don't need life insurance" It may be true for some people. For example, if:You don't have children; andYou don't have a spouse; andYou don't have any debts, ORYou have...more
Quick Guide To Over 50 Life Insurance Solutions With Guaranteed Acceptance Once individuals reach age 50 there is usually some degree of health deterioration and this can affect an application for conventional life insurance which can have quite strict underwriting criteria. There is however a solution in the form of over 50 life insurance with guaranteed acceptance, these plans guarantee acceptance no matter what state of health you may be in, with no medical required.What are the main features of 50 plus life insurance?These plans beside offering guaranteed acceptance also start at low premiums, many of these plans start at GBP 5 per month. Some of these plans are advertised as funeral plans because if you die the life insurance benefit that pays out could be used to fund the funeral costs of the deceased. In any case these plans do offer a tax-free benefit payment on the death of the policy holder after a qualifying period. The qualifying period varies between over 50 life insurance providers, some offer a 12 month qualifying period and others a 24 month period.What is the qualifying period?Because these plans offer guaranteed acceptance there is a qualifying period...more
Since the premium rates of term life insurance are cheaper, people prefer to go for term life insurance at a young age. But it is also common among people to switch to whole life insurance at a later stage of their life, when they can afford paying...more
Life Insurance goes the corporate way This universe is a unique blend of chance and reasoning. The things which are a product of reasoning can be controlled or we can at least try to control them. However the things which are controlled by...more
How to obtain life insurance when you have heart disease A history of heart disease won't necessarily flatline your chances of obtaining life insurance at reasonable rates, insurance experts say, provided you have the condition under...more
Missing sleep can increase life insurance rates We're not accusing you of snoring, but let's get technical for a moment. When you fall asleep, the soft tissues in your body relax, and sometimes block your airways. Snoring is your...more
Starting Your Career as a Property Insurance Lawyer The insurance that provides protection of real property against storm damage, theft, fire and other risks and hazards is known as property insurance.Often insurance companies hesitate to pay...more
Term Life Insurance Quotes Determine Your Life Insurance A striking knowledge of the current life insurance policy holders is the use of term life insurance quotes. This enables them to choose the right type of policy according to their...more