Long term disability insurance companies provide you with wider scope of benefits ad options. This insurance plays a bigger role in case of policyholders and investors, who plan to work together along with the company to achieve their financial objectives.By opting for long term protection, the clients are able to focus more on investing on themselves rather than being assured that their professions or businesses are in good and stable condition....more
Does the amount of alcohol you drink affect your life insurance rates? While life insurance companies may not be primarily concerned with how much alcohol you drink, they are definitely concerned about any adverse effects your drinking may have on your health. Heavy drinking as a lifestyle may lead to chronic health concerns such as heart disease, stroke, depression, dementia, liver and gastrointestinal problems.Because the amount of alcohol you...more
So, it is a well known fact that improving your health can improve your life insurance rates. A few chronic health conditions that can prevent you from getting a good rate on life insurance are high blood pressure, diabetes, cancer and heart disease. Life style-related conditions such as smoking, obesity and drinking also have a negative impact in underwriting your life insurance rate. The only way you can improve your chances for a good rate is by keeping yourself fit and healthy. Maintaining a regular exercise program is one great way of doing just that.Another way to improve your chances of getting cheaper life insurance premiums is by shopping around. Online insurance quote providers can find hundreds of life insurance quotes from reputable life insurance companies. This helps you compare quotes and find the most affordable life insurance as well as one that best suits your needs.Exercise Improves Your Health and Your Life Insurance Rate By: Denise About the Author About AccuQuote:AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life...more
Being overweight is usually a cause of concern when applying for a life insurance policy. Some people who have challenging health issues related to being overweight think they cannot get any insurance at all and therefore, may not even try applying for life insurance coverage. Some have tried and have been declined by the few life insurance...more
Another way you can save on premium payments is by making annual payments. Most life insurance companies offer several payment options. You can pay monthly, annually or even quarterly or semi-annually. However, life insurance consumers may not know that by paying your premiums, other than annually, you may incur interest or what may be termed as...more
It is fairly obvious that your life insurance policy should name a beneficiary since the sole purpose of a policy is to ensure that your loved ones will be financially supported after your death. Most life insurance policies bequeath their proceedings to their spouse or children, but how this is worded in your life insurance policy is crucial and could avoid disputes and disappointments after your death.There are very few rules regarding who can be your beneficiary. If you are naming an individual as your beneficiary, some states only allow you to choose a relative. You should consider a few points when naming your beneficiary.SpouseSimply designating your life insurance benefits to your "wife" or "husband" may not suffice. Without a specific name, such words may entitle your ex-wife or your ex-husband to have rights to life insurance benefits after your death. It is always advisable to name your wife or husband and to review your life insurance policy after a divorce to make the necessary amendments.There are special considerations to make if your spouse is a non-U.S. citizen. In such a case, death benefits may be subject to estate tax marital deduction. It may advisable to make a...more
Buy Latest Gadgets: For amazing and vibrant life By: Robin Swan About the Author Robin Swan is an expert author and has more then 4 years of experience in writing gadgets and technology articles. To know more about Buy Latest...more
An alternative which protects you against declining insurability as well as providing life insurance that meets your changing needs is to plan ahead. Since individuals' insurance needs generally decrease as they age, most people can satisfy their...more
Wilkinson injury scare for England By: sam pit About the Author Corporate Hospitality Group is rugby union authorized partner for selling tickets and hospitality. You can book your tickets and hospitality with 100% guarantee on...more
The Types of Long Term Care Insurance Policies By: christine About the Author Need more information about types of long term care insurance policies? Visit http://www.completelongtermcare.com and read articles on long term care...more
We cant change our past, but we can surely control our present and mould our future.Insurance is a financial instrument designed to manage risks and unpredicted incidents in life. Hence life insurance should be purchased in advance without waiting...more
Calgary life insurance provides an option for saving cash so that you can use that money for you and your family's future. By getting this insurance, you secure your family's future and you will be free from worries about what will happen to your...more