Many people delayed purchasing life insurance for seniors earlier in life because they felt they had adequate coverage through their employers, or because it was always something that could be taken care of later after the children's education cost were out of the way. Then the years passed and retirement came along, and they lost the life protection they had at work, now they are looking at investment portfolios, and are seeing a large gap that...more
Everyone should have life insurance, because you never know what could happen that may leave your family distraught and searching for ways to handle the expenses left behind by your funeral and the loss of your income. The need for life assurance does not diminish as you get older, either. In fact, as a senior, life insurance is probably more necessary than ever to help your family cope. If you've retired and you pass on, chances are your spouse...more
Life changing events can be exciting. A partnership or marriage ceremony, buying a new home, or adopting a child should all be celebrated events for an LGBT family.The reality is that all of these events have a financial burden that you will share with your partner, in some cases for the rest of your lives. This is why it's so important that you talk about working with an LGBT friendly agent to purchase life insurance policies.If you've never gone through the process of getting insurance before you'll likely have some questions:Will being gay disqualify me from getting life insurance?Absolutely not. You will not be disqualified on the basis of your race or sexuality. It also will not affect the amount of life insurance you are able to obtain.What kinds of questions will they ask?In order to make sure you have the appropriate amount of life insurance, they will need a listing of your assets that you'd like to protect (your mortgage for example). You may also need to submit to a blood test, however there are some policies where no medical exam is required.Even though some policies may not require an exam, it is very important that you fill out your life insurance application with...more
Provided by The Retirement Group.Life insurance is hard.It's hard to know if you have the right kind.It's hard to know if you have enough.And it's hard to know if you need any at all.The insurance companies have made it even harder by coming up with bewildering names: whole life, term life, universal life. Some life insurance policies...more
As life settlement brokers in the Life Settlement industry, it is becoming more and more apparent to us Integrity Life Solutions, LLC, that investments in life settlements may not only be prudent from a diversification standpoint, but also relative to internal rates of return, or return on investment. Life Settlements are generally...more
Are you familiar with critical illness insurance? Some people aren't. It doesn't get as much attention as disability insurance or long term care coverage. But if you face a serious health threat, a critical illness policy can help to ease a financial burden.A tax-free lump sum at a crucial time. That is what critical illness insurance provides. If you have a life-threatening illness severe enough to prevent you from working, the money from a critical illness policy can be used to pay medical bills and even some costs not covered by medical insurance. While the insurance premiums are not tax-deductible, the insurance proceeds come to you tax-free.1A few years ago, a Harvard University study determined that about half of all personal bankruptcies in the U.S. happened as a result of the debts incurred by a critical illness.2 Imagine having $50,000, $100,000, even $500,000 in tax-free cash to help you out in the event of a heart attack, a stroke or cancer. That is the kind of coverage we're talking about. In 2007, the average payout was $100,000 with the average recipient being just under 50 years old.3What illnesses does a policy cover? Critical illness insurance can...more
Insurance Globe is dedicated to helping you find the best life insurance for your situation. On their website you will be able to compare term life insurance quotes and return of premium life insurance quotes instantly from Americas top life...more
It is really surprise that if you enter "Nike Air Max " and "Air Max 90" as keywords, they will appear two types of shoes. Why this happened? As a Nike fun, it is easy for you to recognize what is the difference between them. But this...more
The cost of long term care increases every year that burdens many elders, particularly those who are uninsured. As LTC costs skyrocket, the need for long term care insurance becomes more pressing because nobody wants to trade wealth with nothing and...more
Most people rant on how pricey long term care insurance is; no doubt why they are indecisive in getting coverage for themselves and would rather take the more complicated alternatives to pinch pennies. For most people, its not the quality of services...more
To begin with, the gadgets are really cool & they actually make us grin & say: wow, just awesome! A gadget always makes feel much better as they access the everyday deepest needs i.e. security, usefulness, comfort and most importantly, one can play...more
Rudraksha kavach chain is a combination of 1,5,6,7 mukhi rudraksha. Rudraksha kavach chain comes with a combination of the most influential rudrakshas (1, 5, 6, and 7). This rudraksha kavach not only bring perfection but change your life by...more