Life insurance for many people is something of an enigma. There are many different companies offering BMO life insurance, TD life insurance and CIBC life insurance to name a few, but many people do not agree the sentiment of needing money after your death. But the fact is everyone is not well settled and this set of people they can make do with the money to secure their future and family future on their behalf. However for certain groups it is...more
How personal bankruptcy impacts your life insurance policy By Dawn Reiss, Life Quotes, Inc.Filing for bankruptcy is usually person's worst nightmare, but when it comes to protecting your assets (including the value of your life insurance policy), information is key.A life insurance policy is considered valuable property, which means creditors may attempt to "acquire an interest in the policy's values," but all states and the federal...more
"Fun is like life insurance; the older you get the more it costs"Kin HubbardWe have all heard about the importance of rupee cost averaging when it comes to investments but very rarely do we realise that the concept can and should be used even when buying financial protection through life insurance.In our earlier posts, we talked about how insurance gets more expensive with age and have also covered the basics of how to determine how much insurance is adequate for an individual. Just as a recap, insurance requirements change with time and life stage and should largely be a derivation of the needs you are trying to provide for whether its normal family expenses in the event you are not around or specific financial requirements for events such as a child's marriage, education etc.In the figure attached we try and explain the importance of starting early and increasing your insurance cover with time to be adequately insured whilst reducing your premiums through rupee cost averaging by locking in lower premiums at lower ages. * The most important consideration is to make sure that you take insurance early on in life for the maximum term (duration of the policy) that is...more
Life Insurance for Police Officers and Other Law Enforcement Individuals First thing first, is there such a thing as police officer life insurance? Not really, but there is such thing as the right company and underwriter for life insurance for police officers. Life insurance is life insurance no matter what other term precedes or follows the...more
The Many Options of No Medical Exam Life Insurance. What Is Best? When no exam life insurance started to be offered, it seems that all that was available was fast online response companies. You got approved or declined on the spot. Insurance companies used simple cross reference methods to weed out individuals. Now, much more is available....more
Rotator Cuff Muscles Injury – Taking Care of Injured Rotor Cuff When you've injured your rotator cuff muscles, you can apply heat to the injured area for instant relief. If there is swelling, use an ice pack. If there is sign of swelling, you can take medicine such as ibuprofen or naproxen to relief the pain and inflammation. When someone injured his rotor cuff, follow the R.I.C.E approach. R.I.C.E is an acronym for Rest, Ice, Compression and Elevation. A person who has rotator cuff injury should Rest and refrain from anymore physical movement. Next, Ice should be used and apply Compression on the injured area. Finally, the shoulder should be Elevated to relieve the pain.Orthopedic surgeons will always suggest using cold compressions on injured shoulder as it helps in recovering of a muscle tear. Cold compression simply means to expose the effected part to ice or cold packs before sleeping for around twenty minutes. This will reduce pain and swelling. According to physical therapist, certain sleeping positions can also help the patient to get relief from pain. Certain rotor exercises like internal and external rotations can help the situation to improve. If the pain does...more
So, do you have to take an exam to be approved for insurance? To briefly answer this question, the answer is no, you do not have to take an exam to be granted a life insurance policy. As a matter of fact we know of at least one company that does not...more
Here's a list of 51 simple, and not-so-simple ways to improve the quality of your life. I added the "not-so-simple" not to be negative, but to keep things real. Some of these really aren't so "simple", but I promise the tough ones become easier when...more
Life insurance for seniors is just as important as it is for anyone else. There are a variety of reasons that you, as a senior, would benefit from life insurance, not the least of which is to be sure that your estate is taken care of in the event you...more
There are a variety of reasons that life insurance for seniors is very important to you and your family. You would not want to leave your family to foot your funeral bills, or the debts you have not had a chance to pay off. Maybe you have got...more
Life insurance for seniors is valuable for a variety of reasons. One of the biggest reasons most people get life insurance is to be sure that all their debts are paid when they pass away. Even if you retired debt free, you did not stop living. With...more
As your 50th birthday is drawing closer, you might probably be thinking of the day you will stay on that chair near the window as you wait for the caregiver to come around and change your diapers. Every adult is worried on how their senior life will...more