Life Insurance can be seen as falling into a cash value or non cash value scale. Policies that have investment options fall into the cash value category. The non cash life insurance policies are those that strictly have death benefits.To get the life insurance that is best suited to your needs, you will need to engage in some serious research. You may go to a financial consultant for ideas on the right life insurance policy for you....more
Life Insurance can be seen as falling into a cash value or non cash value scale. The cash value life insurance policies are those that have investment options. The non cash life insurance policies are those that strictly have death benefits.By doing some important research you can find the most suitable cover. You could go to a financial advisor for advice on the right life insurance policy for you. Always confirm any information...more
Life insurance is a very important decision for every family. While the importance of life insurance is understood well in the United States, most Americans think that just having a policy is enough to protect one's family.In 2007, the country's first-ever ‘Life Insurance Gap' study revealed that many Americans have just half the life insurance protection they needed to meet their financial objectives. Since this survey was published the economy has spiraled downwards, and this statistic may well have changed for the worse.What is the ideal amount of coverage?The answer to this question can never be cast in stone, because financial needs are different for each family and change with the seasons of life. However, most financial advisors recommend buying coverage equal to around 15 times one's current annual income.Another way to find out is for each family to work this amount out on their own. You need to honestly write down all that you expect your life insurance policy to take care of – mortgage, college fees for the kids, daily living expenses, etc. Write down seemingly minor expenses as well, such as plumbing and accounting because it all...more
The main aim of buying a life insurance policy is to protect one's family or business in the event of death. Therefore, it makes sense that the beneficiaries have a stake in the life of the insured – they are dependant on the insured for financial or business stability, etc. This is called insurable interest, and is the main...more
Effectively. Life Insurance is a simple cover and generally can fall into the cash value and no cash value scale. Policies that have investment options fall into the cash value category. The non cash life insurance policies are those that strictly have death benefits.To get the life insurance that is best suited to your needs, you...more
It's worth understanding the different "dates" that make up a life insurance policy. There a few subtle rules that govern what you can and cannot do with your policy. We're going to look at a few specific life insurance dates. Before we start, though, let me say this caution you not expect to any action until after the second date.Effective dateIf you and your policy make it back to your place alone, you can consider that an effective date.After spending some time with your policy, you may feel as though you've made a horrible mistake (it happens). Not to worry, though. There's no ring on it's finger. You can drop your existing policy any time you like! Just stop paying premiums, and it will shrivel up and die.We tend to think of effective dates as those that conclude with both of us completely uncovered, but with life insurance, it's okay to be covered, so long as it's the policy (and nothing else) that's doing the covering."Policy date" is synonymous with effective date.Date of issueYour policy's date of issue is the date that it is issued to you. Issue dates are generally synonymous with effective dates.Maturity dateGood...more
Professional sports men and women are often worshipped by everyone else. Thats got a lot to do with the fact that sports people seem to have found a way to live out their dreams to play, effectively, for a living. The thing non sports people dont...more
Do you want.....The Secret to How You Can Create a Potent and Successful Life? Focus Change by: Dr Ed and Dr Kathy Moloney (publishanerica.com) Synopsis: The book takes you through the requirements to...more
The most inexpensive kind of life insurance has constantly been term life insurance, at least since it came on the market in the 1970s. However even while the insurance itself is the most inexpensive life assurance you are able to purchase, there are...more
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SecureLife Insurance Services has over 30 years of experience in marketing life insurance products. Their commitment to you is to offer the best life insurance coverage at a competitive price. Their goal is to provide you with the information that...more
Paying out for car repair jobs may become quite expensive. The good thing is that often you will get your car maintenance work costs insured within your vehicle warranty. This is especially true for new automobiles but you may also have...more