Life Insurance with no medical exam Surveys have found time and time again that one of the main reasons people don't purchase life insurance protection for their families is because they do not want to take a physical exam or worse they do not want to be subject to a blood draw. Is there a way to purchase life insurance without all the hassle, time involved and quite frankly without getting poked by a needle? Yes.Their are...more
Automotive Service Technician Career Preparation Opportunities You can receive training for a career in automotive service technology by finding an accredited school, college, or degree program and enrolling. Opportunities exist at various levels including certificates and degrees. When looking to enroll in a career training program I this field you should make sure it carries full accreditation in order to receive the quality...more
Cheaper life insurance rates? Stand and read this For the best life insurance rate quotes, save money by losing weight.If you smoke, quit. If you drink too much, cut down your consumption or don't drink at all.Get at least 30 minutes of exercise three times a week like the American Heart Association recommends. It's not just good for your health—your insurance will cost less.Smokers, for example, can pay up to three times the life insurance premiums nonsmokers do, and it isn't enough to be enrolled in a smoking cessation program—you may have to prove you are not a smoker with a blood test. Even if you quit, it may take anywhere from one to five years before your insurance company considers you a non-smoker. Some life insurance companies may offer to reduce your rate once you have quit for some period of time, but this varies by individual company.As for drinkers, consuming more than two drinks a day disqualifies you for the cheapest preferred rates—more than four and you disqualify for standard rates. Similarly, obese and overweight people fall into a high-risk category because a high BMI, cholesterol or blood pressure reduces life expectancy,...more
How to get life insurance when you have a catastrophic illness Many people think being diagnosed with a catastrophic illness like cancer or heart disease is both a death sentence and an end to your chances of receiving life insurance.They could be wrong on both counts.Medical advances and healthier lifestyles have resulted in higher...more
Benefits Of Effective Use Of Life Insurance Quotes Many approaches can be made applicable while applying for life insurance policies so as to make the processing faster and easier as well. Obtain life insurance quotes which are best option for determining the monthly premium rates. It would also guide you about making choice of...more
Universal Life Insurance Most people love to get universal life insurance policies to protect their interests. Such policies are very much flexible and can really save interests to an extent. It is mainly because of the fact that the insurance protection comes from either the annual paid premium or accumulated cash value. It simply means that if you do not want to pay, you can still enjoy the benefits. All you need to make sure is that you have enough cash value within the policy to cover the exact cost of the policy taken by you. The real cost of insurance will be subtracted from the policy's cash value. Evidently, the older people have to pay more as compared to young ones for securing the insurance benefits.In addition, it is very much possible to increase or decrease the amount of insurance policies. It simply means that you can change the features of your policy and a level of benefit to the cash value along with a specified death features. You can choose your own insurability needs and act accordingly.The extreme flexibility and comfort make universal life insurance policy an attractive option for all. You can easily change its clauses on your discretion....more
Pension-An insurance for life Pension plans are a benefit which most government and corporate employees opt for. If the pension plan is in collaboration with any insurance company, planning and choosing the right scheme and investing...more
combined life insurance company It might be a good choice for people that are forecasting random death coverage. The additional benefits that you have can help your beneficiary financially when you die. The different options that you...more
What Do You Know About Life Insurance? Most people think that they understand life insurance, and could hold their own in a conversation based on the topic. Life insurance isn't exactly the most fascinating thing in the world, but...more
Getting All The Information You Need For Your Life Insurance Policy When you are seeking out a life insurance policy you will need all sorts of information for the insurance company. It is crucial that you are able to give the...more
Basics Term Life Insurance Explained Of late, it has been noticed that the concept of Term Life Insurance has become very popular and found many takers. But what exactly is Term Life Insurance? Well, Term Life Insurance can be...more
Why you Should buy Life Insurance through a Whole of Market Broker A recent story published in the Daily Mail has highlighted that in some instances customers who buy life insurance directly from a provider can end up paying more over...more