Everyone, including retirees, finds the need for some extra money at one point or another. Those who have life insurance may consider taking a loan from it. The equity component of whole life insurance polices - especially variable universal life - presents a store of savings that you can access in time of need. Though borrowing against your insurance policy may be an attractive option, be aware of the danger it presents to your plans.The equity...more
Life Insurance is one of the most rapidly growing sectors in India since 2000, with many private companies including joint ventures between Indian companies and global insurance companies. One such company is the Birla Sun Life Insurance Company Limited (BSLI), which is the amalgamation of the best of Aditya Birla Group from India and Sun Life Financial Inc from Canada. This joint venture benefits from the local hold and knowledge of the Aditya...more
Before buying life insurance, compare the rates and features, zeroing in on a product which you can think can cater to your requirements. With a plethora of options available, you need to make a diligent comparison of insurance products on the market.Competitive market makes finding the best insurance rates possible for the customers. Insurance market is pretty crowded, which is ultimately good for the buyers. Companies are trying to come up with unique products. However, buyers need to find a way to compare various options available and decide on one which best suits their interests. The reason you must shop around for insurance products is that you can always get a better deal, either because of competition or different business practices. There will be uniformity on certain issues, especially if it is a regulatory concern, but there will be differences as well. You have to compare these differences and find out which plan is the best for you.Make sure to check as many insurance products as possible to discover the best insurance rates. The Internet provides the most readily available source of information. There are websites which provide complete information about the products...more
ACORD.org made a very simple to learn step by step details about insurance certificates or also known as the kinds of certificate of insurance they provide. So what are these and why are these used? As outlined by ACORD.org, these are documents which are released by insurance agencies to third party companies (also referred to as certificate...more
One of the most biologically rich bodies of water in the world is the Sea of Cortez or the Gulf of California. It flows through southwest Arizona, the Southern California Baja peninsula and the Sonora region of Mexico. The land surrounding the Sea of Cortez has rich soil and agricultural activities are common. The surrounding region, including...more
The life cycle of Canadians is changing which is impacting everything from personal finances, to retirement and insurance planning. Many Canadians are now working into retirement, are having children later in life and are living longer overall.TD Bank recently issued a report confirming that the average age that Canadians expect to retire is 61 years old, while the average life expectancy of Canadians is 80 years old. This means many Canadians will have to save at least 20 years worth of income in order to support themselves during retirement. This is where insurance is extremely important.Dave Minor, Vice President of TD Insurance says insurance can play an integral role in mitigating the risks associated with this shifting life cycle."People are living longer, supporting adult children and aging parents, and are more active later in life than previous generations - and that means they need more money to sustain their quality of life," says Minor. "That's why it's so important for Canadians to speak with their insurance provider and develop a financial plan that includes the right insurance to safeguard their income and assets."Medical advancements resulting in more people...more
Her fianc| was in prison for any crime he stated he didn't commit. She'd stood by him ever since his arrest just a month soon after he'd asked her to marry him. But now, seven years later on, Dean Cage was telling her to provide up.It was August...more
Kerala has so many tempting tourist attractions. It has picturesque backwaters, hill stations but if you are looking for some adventure and thrill Kerala beaches and wildlife parks and sanctuaries are surely going to offer some unique opportunity....more
A marketing expert colleague asked me the other day 'so they're just shutting it down?'The answer was in the affirmative. They are, indeed, just shutting it down. With the loss of the jobs, locations, branding and all trade. The life and death of WoW...more
You possibly will hear the story of the three monks in the childhood. When the temple has only one monk, then he will determine to do the whole thing he likes without restraint, when the temple has two monks, they make a decision to do things...more
Many people will need to borrow money for different purposes over the course of their lives. While most consider walking into a bank to apply for a loan, many are unaware that they may be able to borrow money from a life insurance policy. Whole life...more
Many Americans today are either uninsured or under-insured with regards to life insurance. If you die while uninsured or under-insured, you may risk leaving your family in a financial calamity. Your family may be dependent on you for monthly income...more