Funeral expenses are rising at an alarming rate. As a young adult, this fact has probably never crossed your mind. There is way too much living to do to even think of death. Yet as we age, these things begin to creep up on us and concern takes the place of complacency. It was never our intent to leave this concern in the hands of our loved ones. Are we to remain uninsured, or is there such a thing as over 50 life insurance? Often, physical...more
Comparing Life Insurance Quotes Looking into life insurance is something which is extremely important and you will need to consider it very carefully before making any final decisions. The big question is whether you want to buy whole life insurance or term life insurance. Term life insurance simply means that when the person who is insured dies, the amount they were insured for goes to the beneficiary. It is rather simple and...more
Permanent life insurance is insurance policy ideal for those who dont want to feel like investing in term life insurance policy. This is often due to the fact that term life insurance, at times, results in no payment if nothing happens in the stipulated period of insurance. For example; you pay and ensure your car for a stipulated period but if your car doesnt meet any accident and get damaged in this given period, you wont get any money back. It is in this context that the importance of permanent life insurance comes to the fore. As the name suggests, permanent insurance continues for the full duration of a lifetime and gives guarantee of payment. One can borrow against some permanent life insurance policy as long as one is ready to pay premium on time. However, while buying permanent life insurance you need to analyze your need in detail. It needs regular investment and if you cant afford that, it is better for you to go for term life insurance policy. Term life insurance is also better of you are looking for coverage in shorter period of time. For example; if your retirement is only four or five years ago and you are expecting to get a large sum of money at that time, its better...more
If you have recently had a heart attack, getting life insurance at a fair rate may not be as difficult as you think. Depending on the severity of your condition, there are some medical underwriters that may look at your case more favorably than others.Heart disease affects about 12 percent of the American adult population and is ranked the number...more
For most of us, the economy has hit our pockets hard. Trying to make ends meet, who hasnt missed a few credit card payments here and there? You may think nothing of it, but your life insurance carrier sure does. Besides looking at your health profile and driving record, life insurance companies look at credit scores to assess the amount of...more
Most of us spend a lot of time choosing the perfect gift to give to your loved ones during the holiday season. Gifting a life insurance policy is probably the least thought of, but could be one of the best gifts you have ever given. It may seem like a strange way to say you care, especially during the holiday season, but this is the perfect time to show your family how much they mean to you and the perfect expression of your love for them. There are plenty of reasons why you should consider adding a life insurance policy to the other special gifts you put under the Christmas tree.It saves your family from going through financial trauma. Losing a loved one leaves a gaping hole in the family, a place which is truly irreplaceable. In addition to the emotional struggles, families who are unprotected face the extra burden of financial insecurity.By purchasing a life insurance policy, you would cover all your familys financial needs. They would be able to afford to live the same kind of lifestyle they are accustomed to. They would have enough money to cover any debts you may leave behind, mortgage expenses and put your children through a decent college education.Not having life insurance...more
If you own a life insurance policy, makes sure your beneficiary knows exactly what to do when the need arises. A beneficiary is the one who receives the proceeds of your death benefits. Its only right that you should walk him or her through the...more
A life insurance policy is basically a mutual agreement between your life insurance carrier and you. You agree to pay a certain amount of premiums for a stipulated number of years. In return, the life insurance company agrees to pay your beneficiary...more
Add spark to life and transplant Cord Blood Cord Blood transplant: Few years back we were unaware of the fact that the blood, which is commonly known as the Placental blood, can be of immense use. Several life threatening diseases like cancer,...more
Explore Life Insurance for Medical Professionals with Critical illness life cover!! Get Life Insurance for Medical Professionals with Critical illness life cover easily.Whenever you get a quotation for Life Insurance for Medical...more
Long Term Care InsuranceLong-term care insurance - Why is it necessary?If you are in poor health and above 65 years of age, then you should purchase long term care insurance policy as there is always inescapable possibility of getting injured and...more
Long Term Care InsuranceIntroduction : Long term care health insuranceLong term care insurance plays an excellent role in cutting down the costs of medical and nursing expenditures for the people who have long term disabilities. Long-term care...more