In today"s world of uncertainty, we cannot ignore the importance of insurance with regard to all aspects in our life. Today, the concept of insurance has grown from a simple form of providing compensation upon happening or non-happening of an event to a giant industry which secures our lives in innumerable ways imaginable. Today, there are so many types of insurance policies ranging from life insurance, health insurance, auto or vehicle...more
If youve heard this term being thrown around and have always wondered what it meant, heres a quick look at what the incontestability clause on a life insurance policy means, how it works and what benefits it has for both the insured (you) and the insurer (your life insurance company).According to the Newark Law Review, the incontestability clause allows a policy to be incontestable after one or two years from the date of issue, with the exception...more
Do you have disability insurance in place? If not, take a look at these statistics from the Council for Disability Awareness:Just over 1 in 4 of today's 20 year-olds will become disabled before they retire.Over 36 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from 18-64.8.3 million disabled wage earners, over 5% of U.S. workers, were receiving Social Security Disability (SSDI) benefits at the conclusion of March, 2011.In December of 2010, there were over 2.5 million disabled workers in their 20s, 30s, and 40s receiving SSDI benefits.With the odds of needing disability insurance so high, dont put off purchasing coverage for longer. Check with your employer or look up an aggregator website that sells short and long term disability insurance online for quotes and rates youre eligible for. But what does disability insurance have to do with Waiver of Premium life insurance?Life insurance is an important part of every familys financial plan. Without any life insurance cover, families can be torn apart and disintegrated by financial hardships, especially if the breadwinner of the...more
The chances of you dying are slimmer than facing a really debilitating disability that could rob you of your ability to earn an income. So why would a life insurance aggregator website bring up this fact? Because a disability that results in the loss of livelihood directly affects your ability to pay premiums and keep a policy active, which does...more
Don't be ashamed to admit that you worry sometimes about what is going to happen with all that money from life insurance that's going to come to your significant other and/or children in the off-chance that you die. Many people wonder about large life insurance death benefits from policies in their name. It's natural to worry and...more
Many people need things urgently but didnt have enough funds to buy them. Applying for normal loans will take a lot of time to be approved and the money will also be transferred late in to the borrowers bank account. To make life easier, and get cash quickly and instantly fast loans have been introduced.Fast loans are one of that finance schemes which approve instantly and provide cash with no time so, that one can meet with all his/her urgent needs. They are short term loans which have to be paid off in a month time. One can pay the money once he has received his paycheque.The borrower can borrow sufficient amount which will fulfill all their urgent needs and requirements and this has to repay within the time period of 1 to 30 days. There are so many advantages of this scheme one of the advantages is that money is obtained very fast and it is convient too. Another advantage is that since this loan is a short term loan with small repayment term, one will have to pay the money back on time and this helps him avoid debt.Even people with a less than perfect credit record can apply for this finance as lender only considers ones present status instead of previous so, your previous...more
It is dream of every one to have such a splendid and long hairs especially women they want to grow their hairs as long as possible.One has to dress up properly and give some unique touch to the hairs to look awesome. Natural hair products are...more
Tesco is a U.K.-based retailer, and the third largest in the world, with stores in 14 countries. Their stores range from the compact convenience stores to big box superstores. Their tagline is "Every little helps".Although Tesco's slogan was...more
KOL is shorthand for Key Opinion Leader, a term used to classify the expert physicians, health care providers, and educators who lead the medical community in advancing better public health through research, publishing, and clinical practice.As...more
The heart is the power house of the body and there is much need to take very good care of it. There is tremendous need to maintain good heart health, so that one stays fit and happy for a long time. There are some basic steps that most people know...more
Life insurance can be confusing for many people, especially for first timers. Here is a guide if you are one of them. Life insurance, by definition is a pact between the insured person and the insurance company enabling the formers loved ones to...more
Alcoholism is a long due problem of society that impacts several countries across the globe. Despite the negative effects of alcoholism on the lives of alcoholics and the individuals around them, not all alcoholics can afford the fees of alcohol...more