If youve heard this term being thrown around and have always wondered what it meant, heres a quick look at what the incontestability clause on a life insurance policy means, how it works and what benefits it has for both the insured (you) and the insurer (your life insurance company).According to the Newark Law Review, the incontestability clause allows a policy to be incontestable after one or two years from the date of issue, with the exception...more
Do you have disability insurance in place? If not, take a look at these statistics from the Council for Disability Awareness:Just over 1 in 4 of today's 20 year-olds will become disabled before they retire.Over 36 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from 18-64.8.3 million disabled wage earners, over 5% of U.S. workers, were receiving...more
The chances of you dying are slimmer than facing a really debilitating disability that could rob you of your ability to earn an income. So why would a life insurance aggregator website bring up this fact? Because a disability that results in the loss of livelihood directly affects your ability to pay premiums and keep a policy active, which does not bode well for many families with disabled breadwinners who need every form of help and reassurance they can. Wouldn't it be nice to have a stopgap measure in place to take care of payments like life insurance and car insurance to make sure that things go on as usual as far as your finances went? Well, some may say that is expecting too much.With life insurance, such a measure is made possible with the help of the Waiver of Premium rider on term life insurance. Term life is a temporary form of life insurance cover that does not provide guaranteed death benefit, unlike permanent life insurance. Buyers across the world choose term life insurance instruments because they are affordable, easy to understand and fit in well with financial plans that have retirement and savings plans in money market funds, investment accounts and other vehicles...more
Don't be ashamed to admit that you worry sometimes about what is going to happen with all that money from life insurance that's going to come to your significant other and/or children in the off-chance that you die. Many people wonder about large life insurance death benefits from policies in their name. It's natural to worry and make presumptions....more
Many people need things urgently but didnt have enough funds to buy them. Applying for normal loans will take a lot of time to be approved and the money will also be transferred late in to the borrowers bank account. To make life easier, and get cash quickly and instantly fast loans have been introduced.Fast loans are one of that finance schemes...more
It is dream of every one to have such a splendid and long hairs especially women they want to grow their hairs as long as possible.One has to dress up properly and give some unique touch to the hairs to look awesome. Natural hair products are available in the market but one must take care before buying these products from the market as there are a lot of bogus products are available in the market.Women has to attend different formal and in formal events like wedding, birthday parties and official meeting in their daily routine life and it is important to look awesome and gorgeous on these type of events as they counts a lot.Hairs are one of the most important parts of women body as they give extra touch to their beauty. The feature of natural hairs is different from person to person in this world. Some people naturally have kinky hairs and some people have straight hairs. Curly and kinky hairs have different specs and long and shinny hairs have different aspects and features. The maintenance of these types of hairs varies. The people who have natural hairs like kinky and curly hairs there are some big problems with them.They find it difficult to tie them properly and they frizz and...more
Tesco is a U.K.-based retailer, and the third largest in the world, with stores in 14 countries. Their stores range from the compact convenience stores to big box superstores. Their tagline is "Every little helps".Although Tesco's slogan was designed...more
KOL is shorthand for Key Opinion Leader, a term used to classify the expert physicians, health care providers, and educators who lead the medical community in advancing better public health through research, publishing, and clinical practice.As...more
The heart is the power house of the body and there is much need to take very good care of it. There is tremendous need to maintain good heart health, so that one stays fit and happy for a long time. There are some basic steps that most people know...more
Life insurance can be confusing for many people, especially for first timers. Here is a guide if you are one of them. Life insurance, by definition is a pact between the insured person and the insurance company enabling the formers loved ones to...more
Alcoholism is a long due problem of society that impacts several countries across the globe. Despite the negative effects of alcoholism on the lives of alcoholics and the individuals around them, not all alcoholics can afford the fees of alcohol...more
Cheap is obviously relative when it comes to insurance as insurance tends to be quite a costly investment at the best of times. However, its still worth trying to cut the amount that comes out of those life insurance quotes as it can really save a...more