For those that find themselves over age 50 and in poor health looking for life insurance to protect their loved ones could look into the over 50 life insurance plans that have guaranteed acceptance, with no medical underwriting. These over 50 life insurance plans start as low as five or six pounds per month and give very valuable life cover for those medically impaired in some way. If there is no medical impairment then it makes sense to apply...more
How Your Driving Record Affects your Life Insurance Rate Most people know that a bad driving record can affect car insurance rates, but did you know that your driving history may affect your life insurance rates as well? That makes sense when you consider that life insurance companies basically gamble on how long you will live. People who are in excellent health, younger and lead healthy lifestyles are preferred by life insurance companies...more
Regulation 60 in the Life Insurance Industry Insurance companies are regulated both by the federal government and the state government. These regulations are designed to protect the integrity of a company as well as consumer rights.Regulation 60 is a consumer protection law in the State of New York that pertains to the replacement of life insurance and annuity contracts. Regulation 60 requires that insurance companies give out specific information and disclosure to consumers wanting to replace their existing policy with a new one.Agents are required to submit a "Definition of Replacement" form for every life insurance or life annuity sale. When a replacement is proposed that would cause the buyer to surrender, lapse or change the status of an existing policy, the replacing company must prepare a comparative analysis of the existing and proposed life insurance policies for the buyer. The process usually takes about three weeks. The agent and policy holder must review the form and both parties must sign the disclosure to verify that all parties have understood the requirements and have signed off in agreement.Regulation 60 Protects ConsumersThe main goal of Regulation 60 is to...more
When Is the Right Time to Buy Life Insurance? When is the right time to buy life insurance? One answer could be right now! Right now is a good time to consider purchasing a life insurance policy. It is a well-known fact that the sooner you purchase a life insurance policy, the better chance you have of getting the best rates.Most young...more
Leatherman, the leading tools company is featured with the two great tactical multi tools i.e. the MUT EOD and MUT. These multi tools are built with perfection and are specially designed for cleaning as well as maintaining M16/AR15 category of the assault rifles. So if you are under stress, the very last thing that you need to be tensed about is to...more
The need for long term care happens to anyone, no matter how hard you convince yourself it wont happen to you some time in the future. You cant predict all the unlikely life events that would knock you down, and it is simply idealistic to assume everything will work out the way you wanted --even if it is a serious illness or a mere physical and mental frailty, everyone will experience the odds of retirement. Having a clear and definite long term care plans will help you achieve stress-free retirement years. Heed from these tips on how you can achieve the best long term care insurance protection you deserve. Tip #1: Long term care insurance is not for everyone. Those receiving Social Security and have nominal retirement income or assets are more likely to become eligible for Medicaid benefits. People below or just the poverty line cannot afford the expensive LTCi premiums, so they, otherwise, turn to government aid. However, these programs provide very limited help to accommodate all individuals needing assistance.Tip #2: Research everything about your potential insurance company. You should create a list to keep track of the companys financial strength, stability, and ratings....more
It is quite baffling why most people give priority to material things like their cars and all caprices in the world than their health. Some people would even pay hefty insurance for Chevy and expensive homes, but when asked about health insurance,...more
Life Insurance Company How to Get Affordable Professional medical and Dental Insurance policiesContrary to popular belief, inexpensive health-related and dental insurance policies isn't a thing of the past. It is possible to get it now, in...more
How To Claim Life Insurance Coverage Buyers tend to request a life insurance coverage quote or many quotes on various types of policies when they're in the market for life insurance. Several know exactly what type of policy they want but most...more
Anyone that craves big city nightlife will be happy to know that this particular area has everything that they are looking for. There are almost endless possibilities that one can partake in within the downtown area of this city. Just about any kind...more
Free Life Insurance Sales Leads Online – 5 Ways To Generate More Free Leads Than You Can Handle If you have been purchasing your Life Insurance sales leads you probably have been spending quite a bit of money. One friend of mine was spending...more
Choosing Between Term And Whole Life Insurance The life span insurance plan quote is only the beginning of your decision making method. A life insurance offer can sound extremely enticing when the rate is low. But be warned when the rates tend...more