The longer you live, the greater the chances you'll need some form of long-term care. If you're concerned about protecting your assets and maintaining your financial independence in your later years, long-term care insurance (LTCI) may be for you.Who needs it?Approximately 40 percent of Americans age 65 or older will need long-term care at some point during their lives. (Source: The National Clearinghouse for Long-Term Care Information, 2008.)...more
Fifty Plus Life Insurance Options Lots of us start evaluating our financial lives as we pass 50. We start to realize that retirement is just around the corner, and that there will no better time to make sure that we have made solid plans for the future.One common financial product that many of us lack is pretty surprising. We hit our 50th, 55th, or even 60th birthday without enough life insurance. How does this happen? Most of us used to...more
Insurance: consider your options carefully Choosing the insurance policy best-suited to one's needs and requirements is a difficult task. According to the Insurance Regulatory and Development Authority (IRDA), the life insurance sector in India has grown tremendously since the entry of private life insurers. The market has also seen a lot of changes in products and services. Life insurance policies are long-term contracts, ranging from 10 to 25 years. It is important to choose the right plan to meet your requirements.Unit-linked policies have several advantages such as flexibility, transparency, simplicity, liquidity and efficiency in fund management. These policies are adaptable to the changing needs of the insured over their lifetime. Unit-linked plans, by their very structure, tend to be more efficient in their charge structure. The high level of disclosures required in these plans is an automatic check against an inefficient charge structure, though in long-term contracts, charges get levelled out over a period of time.In choosing a policy, it is important to choose the life insurer first. The factors that matter are the promoters, customer service, performance track...more
8 Basic Tips About Getting A Good Life Insurance Policy For those with a large family, it can be disheartening after you die. A family that was living a decent life may have to fight hard to survive especially if you were the bread earner of the family. You never know when you might die, so it becomes important to have a life insurance...more
Few Tips About Getting Affordable Life Insurance People are always looking for affordable life insurance which they can easily pay for. The policy should pay for all their expenses and sometimes it's not easy to find one. You get a policy that you can afford depending on your income because it may be too expensive for another. This has made...more
Work Life Balance. What it Is And How To Find The Perfect Balance Balancing work and life these days is a major goal for all of us as the line between the office and the home becomes increasingly blurred and the pace of our society accelerates.First let's start with a clear definition of what work life balance is all about.It is not about having an equal amount of time apportioned to work and home life. This is both unrewarding and unrealistic. Life is generally more fluid than this so achieving an effective work life balance is bound to vary over time, for example, the right balance in your twenties when single and career-focused maybe very different to your thirties when married with a young family or later in your life when preparing for retirement.There is no perfect ‘one size fits all' strategy that you should be aiming for because balance is an individual consideration.Work and life balance is really all to do with achievement and enjoyment; you don't get one without the other and vice-versa. It is natural that we all want to strive for achievement in life because it brings forth some enjoyment, a better income can provide more possibilities for living a more...more
Important Tips When Planning for Long Term Care Insurance The need for long term care happens to anyone, no matter how hard you convince yourself it won't happen to you some time in the future. You can't predict all the unlikely life events...more
Buying Long Term Care Insurance Makes a Difference 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...more
Subliminals And Affirmations To Change Your Life Subliminals and affirmations are extremely effective tools in your success arsenal. As you use subliminals and affirmations in effective ways, you will yourself achieving much greater levels of...more
How your family medical history can affect your life insurance premium Many factors can affect the rate you pay for life insurance, from your age and physical wellbeing to your medical history. But you may not be aware that the medical history...more
Understand Life Insurance Before You Buy A Policy If you really want to do a good job of purchasing a life insurance policy, it can be a pretty daunting task. You need to shop and compare, and you also need to learn about all the different...more
Insurance Protects Maryland Residents From Life's Mishaps Insurance MD helps protect the citizens of Maryland from a variety of life's mishaps and challenges. Under the guidance of The Maryland Insurance Administration, the state's...more