Try the 30-Day Smile Challenge, and Change Your Life Out of the Mouths of Baristas I just had a great conversation with Kim, one of my two favorite baristas at the local Borders Cafe. She told me about a new philosophy she had for her life. "I decided," she said, "that whenever I don't feel good or there's someone who is giving me a hard time, I'm just going to smile. And it's working." she said with a playful smile." Smiling Works ...more
What Is Long Term Disability Insurance? As it is called, long term disability insurance should pay you an income in case of disability for an extended period of time. For most people, it seems that that period of time is at least 5, 10 years or to age 65. What we have found though, is that, in most cases, policies benefit periods are just 2 years! This two year benefit period seems to be most prevalent with disability insurance policies...more
I Was Recently Diagnosed With Depression. What Happens Under My Term Life Insurance, Income Protection and Trauma Insurance Policies? A diagnosis of depression is often more of a relief than a burden. As opposed to a diagnosis of cancer, multiple sclerosis or HIV, a diagnosis of depression gives you a way forward, acknowledging the reality and treatability of your condition. However, most of us are aware that mental health is an increasingly common factor in illness, injury and death ... and as such, a diagnosis of depression can have an impact on your income protection, trauma insurance and life insurance policies. Today we check out exactly what happens under each of them. Life Insurance and DepressionLife insurance only pays a benefit when you die or are diagnosed with a terminal illness (in some cases). Naturally you won't be able to claim following a diagnosis of depression - but if you already have a life insurance policy, hang on to it. Having that diagnosis of depression means that any policy you try to switch to in the future may be rated much higher than your current policy. If you don't have life insurance but would like to obtain it, this is certainly possible....more
Life Insurance for Seniors Is Unnecessary, Plus 5 More Insidious Retirement Myths For many of us, retirement is a strange and very far off time. However, for an equal number of people, retirement is just around the corner! In today's society, the voices tend to belong to the Baby Boomers and younger generations, who are comfortable spouting...more
When setting up a life insurance plan there are several points to consider. Well look at three of the most important to get right.The first thing to consider is the amount of life insurance you want (the lump sum that you choose to insure). With most life insurance plans you can choose any amount you like so the actual sum of life insurance you...more
What Are The Benefits Of Critical Illness Life Insurance The critical illness insurance coverage is created to safeguard against specific diseases or illnesses such as heart attack, stroke, cancer, kidney failure, coma, paralysis, MS, Alzheimer's and various other severe kinds of illnesses, diseases, and injuries. Quite often, companies offer this kind of policy which would cover just cancer life insurance coverage.What makes it different from the regular life insurance coverage?The significant differentiator between the two life policies is the fact that critical illness plans pay off a cash benefit when the insured is afflicted with a critical illness. This means that affected individuals generally receive lump sum settlements after being diagnosed by a medical doctor.Some of the best insurance companies which offer this life policy in America include Assurity Life, Colorado Bankers Life, Trustmark, MMA and Stonebridge.You need to understand that no company will be the best option for everybody. Several companies are dedicated to a particular sector such as children, seniors, families, self-employed or business owners. Other companies will provide discounted premiums for...more
When To Get A Critical Illness Life Insurance Policy Most people choose to sign up for a critical illness life insurance and a joint life insurance option as a substitute. This might very well be a great choice if you're making plans for all...more
How To Get Critical Life Illness Insurance CI is actually among the handful of insurance plans which in fact benefit you as opposed to your beneficiaries, since with this particular type of protection you will be the beneficiary. A life...more
The Inner Workings Of A Critical Life Insurance Policy In order to make sure that a pay-out is initiated, the policy owner should live for a minimum period of time so this will be regarded as a survivable sickness, generally around...more
Quick Tips On How To Go About Purchasing The Right Life Insurance Policy Purchasing a critical illness life insurance policy is generally a decision made by an individual more than 50 years old who wants to ensure that if they are diagnosed...more
Who Needs Critical Illness Life Insurance In some cases, this policy could be generated in a way that it guarantees a regular payment on a monthly basis. Specific surgical treatments are likewise included in this type of insurance.Life...more
Aviva Life Insurance Life Saver Plus – A ULIP Plan LifeSaver Plus offered by Aviva Life Insurance is a non participating ulip plan with high life cover. New LifeSaver Plus is a saving plan which assures you that it will give your family...more