Why long term disability insurance is required? Long term disability insurance companies provide you with wider scope of benefits ad options. This insurance plays a bigger role in case of policyholders and investors, who plan to work together along with the company to achieve their financial objectives.By opting for long term protection, the clients are able to focus more on investing on themselves rather than being assured that...more
Drinking Too Much Alcohol Affects Your Life Insurance Rate Does the amount of alcohol you drink affect your life insurance rates? While life insurance companies may not be primarily concerned with how much alcohol you drink, they are definitely concerned about any adverse effects your drinking may have on your health. Heavy drinking as a lifestyle may lead to chronic health concerns such as heart disease, stroke, depression,...more
Exercise Improves Your Health and Your Life Insurance Rate Life insurance companies are basically gambling against your death. The more risk factors you have for an early death, the higher your premiums will be. There are certain pre-determined risk types that you will fall under depending on the condition of your health. If your health is excellent, and you are leading a healthy lifestyle, have no major medical history, you may be able to qualify for the super preferred category. The super preferred category has the least premiums because the odds against you living a long life are high. Other categories include preferred and standard premium rates. Standard is the category most Americans qualify for. There are categories lower than standard which are very expensive.How does exercise help qualify you for cheaper life insurance premiums? A regular exercise routine of 30 minutes a day, five days a week is necessary for maintaining good health, increasing longevity and for feeling better. Most doctors recommend a brisk walk, bicycling, swimming, gardening, dancing or other forms of recreation.Exercise along with a healthy diet can help you lose weight. By maintaining a...more
Obesity and Life Insurance Being overweight is usually a cause of concern when applying for a life insurance policy. Some people who have challenging health issues related to being overweight think they cannot get any insurance at all and therefore, may not even try applying for life insurance coverage. Some have tried and have been...more
Reduce your Life Insurance Rate by Paying Premium Annually vs. Monthly Looking out for ways to reduce your life insurance rates? Most people know that the following tips can help to reduce your life insurance premiums:Keeping healthy by eating a balanced diet and engaging in regular exercise.Purchasing a life insurance policy early...more
Who can be a Life Insurance Beneficiary? It is fairly obvious that your life insurance policy should name a beneficiary since the sole purpose of a policy is to ensure that your loved ones will be financially supported after your death. Most life insurance policies bequeath their proceedings to their spouse or children, but how this is worded in your life insurance policy is crucial and could avoid disputes and disappointments after your death.There are very few rules regarding who can be your beneficiary. If you are naming an individual as your beneficiary, some states only allow you to choose a relative. You should consider a few points when naming your beneficiary.SpouseSimply designating your life insurance benefits to your "wife" or "husband" may not suffice. Without a specific name, such words may entitle your ex-wife or your ex-husband to have rights to life insurance benefits after your death. It is always advisable to name your wife or husband and to review your life insurance policy after a divorce to make the necessary amendments.There are special considerations to make if your spouse is a non-U.S. citizen. In such a case, death benefits may be subject to...more
Wilkinson injury scare for England Jonny Wilkinson was at the centre of an injury scare Monday as England gathered for the first time ahead of their autumn international Test series.The Toulon fly-half will undergo a scan on Tuesday...more
Calgary Life Insurance- Various Features Explained Calgary life insurance provides an option for saving cash so that you can use that money for you and your family's future. By getting this insurance, you secure your family's future...more
Tariq Aziz Will Be Hanged to Loss of life and then Decapitated The Supreme Court in Baghdad has handed its judgement on previous Iraqi Deputy Prime Minister Tariq Aziz, a deputy to Saddam Hussein. Abed Hamoud, the previous private...more
Life Insurance beneficiary designation information Life insurance beneficiary designations, you've never heard of this before? You know what this is and why it is so important for you to understand? There are many ways for you to leave...more
How Does a Whole Life Insurance Policy Work? How exactly does the work of a life insurance? Whole life policies are popular with people in some selected groups, but are a bit 'more complex than their plain vanilla counterparts easy to...more
Choosing the first life insurance policy It 's the first time you are looking to buy insurance there was a spirit when so many questions that continue to come. Buy your insurance policy first time can be difficult and confusing as...more