Instant Term Life Insurance is All About Valuing Time There are few things in life as valuable as time. The whole world revolves around getting things accomplished during an allotted time period. We live in an act now world, so valuing time is extremely important. One way to value time is to invest in instant term life insurance. Instant term life insurance like most things revolves around time. For starters, instant term life...more
Should Long Term Disability Insurance be Part of your Financial Plan? Long term disability insurance is a coverage plan that pays you a percent of your salary while you are unable to earn income due to a disability. What would you do if you were injured and could not work? Would you be able to survive without an income? You may be able to draw from your savings for a while, but that could eventually leave you high and dry. Many...more
Inflation Protection: Why it should be added in your long term care insurance policy? Inflation is an economic term that refers to the increase in the prices of goods but the dollar amount remains or declines its value. This simply means the increase in the costs of living. The effect of this is that consumers would find the goods and services unaffordable. The government coined the Consumer Price Index as perimeter to determine the rate of inflation. Like other services, long term care services have also exacerbated along with inflation. LTC services have increased from 4.7% to 6.6% since 2004. In 2010, private rooms in nursing homes averaged to $240 per month or $90, 115 per year, according to the Prudential Life Cost of Care study. Home health care rose from 2006 to 2008. Long term care insurance is used to cover LTC services that either private insurance or Medicare does not pay for. However, the National Association of Insurance Commissioners says the long term care insurance inflation protection must be added on LTC policiesfor it increases the amount of benefits, but the premium will not be affected.Automatic Compound Inflation Option Automatic inflation is...more
How to Determine the Right Long Term Care Insurance Benefit Period and Amount Most insurance for long term care features are flexible to meet the consumers' demand and budget. Two of the important features that can be customized are the benefit period and amount to help policyholders manage their resources and prepare for the...more
Four Important Features of Long Term Care Insurance Many long term care insurance policies offer various bells and whistles and consumers look at them as hindrance when choosing the best features for their individual policies. Nevertheless, there are four important features in LTCi, and these are:Long Term Care Insurance Benefit...more
Life Insurance over 50- is it worth giving a chance? These are the common questions hovering over the mind of the people in their mid 30's.We get to know about so many policies about life insurance from newspapers ,magazines ,TV etc .We usually get confused after all these advertisements that which will be suitable for us. Plenty of life insurance policies are available in the market like termed, level or over 50 life insurance. This insurance basically deals with people above the age of 50. You might be felling amazed why there is special policy of life insurance over 50 years?There are many reasons contributing to the success of this type of policy. Like:Sense of security-at the age of 50 most of people gets retired and their pensions are also not enough to share the expenses of the living cost. And if somehow your partner dies then their sufferings will be increased. But if you have over 50 life insurance then you can have the feeling of security that your living partner will not have to face many problems.Medical cover-with the increasing age, people become prone to the severe ailments thus their medication and hospitalization cost usually rise. Thus if you...more
How to Save Over $500 a Year On Your Family Life Insurance Policies - A Micro Finance Focus Ensuring the well-being of our loved ones is definitely one of our top priorities. Accidents and serious troubles are just few of the things...more
Lifestyle Insurance coverage Agents Lifestyle Insurance coverage AgentsTaking a existence insurance coverage policy is an essential item you ought to not forget within your existence. This may totally enable you to your dependents in...more
Community Action Agencies and the Importance of Care Providers Insurance What Are Community Action Agencies (CAAs)?Community Action Agencies (CAAs) are nonprofit private and public organizations established under the Economic...more
Stat Life insurance Life insurance for aircraft pilots has conventionally been pretty plain vanilla. insurance for pilots has been more luxurious than that for most people who have similar profession, and it's repeatedly been all...more
Bring In More Sales With Life Insurance Leads Life Insurance Leads are prospective clients, who ask for an insurance agent to help them in choosing a life insurance plan that is suitable to their requirements. Life Insurance Sales...more
Set Some Goals! YOU Can DO Anything That You Want With Today, And With The Rest Of YOUR Life! You can do whatever you want with YOUR life, you really can! Just ask Tony Robbins, Oprah, Dale Carnegie, or Wayne Dyer. Ask the guidance...more