Most people fear of confronting retirement years when financial issues are at stake, afraid of the circumstances that could make them hapless and penniless. The most feared financial problem is the excruciating cost of long term care for people with serious health problems. Elders feel paralyzed not by their physical deficiencies but due to the sky-rocketing prices of long term care.The increasing life expectancy should be the basis in...more
Typically, a life insurance policy has two components- protection and savings/investments. IRDA , through their latest guidelines on ULIPs have ensured that the various charges on the savings/investment component of the life insurance policy will become cheaper. But now, a further change is on its way which will benefit policyholders- the mortality charge , ie the premium that a person pays for the life cover- might also reduce. In India,...more
So why write this article with the scary headline, simply to say it's more dangerous to not have life insurance? Because every day you continue living without an insurance policy is another day you risk leaving your family with nothing but bills. Getting a free life insurance quote is no more dangerous than filling out a form to qualify for a free gift card. And by getting your quotes, you will be taking a step in a direction that is far more gratifying, and important, than free gift cards.The Dangers of the Free Life Insurance QuoteWhile it can’t change fate or overcome bad decisions, life insurance can provide peace of mind as you face the expected—and unexpected—risks that life doles out to you.Lack of life insurance is a gamble that could result in putting your loved ones at risk for financial hardship. Half of Americans believe they would feel the financial impact from the loss of their primary wage earners within six months.So why do so many roll the dice in hopes nothing happens to them, leaving their families without their paychecks?more
If you are shopping for life insurance prices can vary greatly from person to person. The life insurance rate you will be expected to pay can be influenced by many factors. If you want to keep the life insurance prices that you will pay as low as possible, here are a few things that you can do.The first is to get coverage early. The life insurance...more
10 Year Term Life InsuranceWe hope this helped you get a better understanding of the 10 year term life insurance plan and it's uses. Please always feel free to ask us questions. They are always FREE and our answer are very fast.more
10 Valuable Tips on Long Term Care Insurance Understanding long term care insurance is quite tough, confusing, and requires a lot of time. So, to help you get an overview on how to determine a reliable LTCi and how you can easily acquire one, here are ten tips you can use as guidelines all throughout your journey.1. Don't rely too much on Medicare or MedicaidLet's face it, government-supported programs such as Medicare and Medicaid offer very limited health care assistance. Medicare usually pays a small fee in nursing home expenditures. While, Medicaid pays for long-term care services, but only if you meet federal poverty guidelines, and the choice of care facilities can be very low.2. Ask for a professional guidance from a financial advisorIt pays well to ask for a more reliable guidance from a financial advisor particularly in terms of LTCi. Doing so can help you determine which coverage best fits your specific financial situation. When in doubt, shop around for the most appropriate coverage at the best price possible.3. An LTCi is not for everyoneAccording to NAIC, if you currently receive Social Security or expect to have minimal or no...more
Life insurance is an extremely important step for ensuring economic stability. A lot of thought should be taken when deciding on which policy to choose. These financial products ensure that your family will be able to go on economically should...more
10 Reasons Why Church Going Is Important for Family Life "I don't want to go to church!" screams a little boy. "I don't feel like going to church", says a parent. You must have heard or said one of these sentences many times or at least twice....more
Far from the madding crowd. When Thomas Hardy wrote this novel, he would not have imagined his words would carry so much meaning in our modern. Here in our times, each of us wants to escape the madding crowd, each one of us is in search of that...more
Foundation carries the entire weight of the house. Most of us spend hugely on building the proper foundation but over the years it too needs repairing unlike any other parts of the house. Foundation repairing also depends on the type of soil over...more
If something were to happen to you, how would your family cope financially? Unbeatable Quote UK has all the solutions for you and your family. Life insurance, amongst many, is becoming very popular; if something were to happen to them e.g. death they...more
Having a life insurance over 50 will always be a wise decision. It is a clear indication that you are after the welfare of your loved ones when the right time comes. While it is true that we must be emotionally prepared for that reality, we are...more