Thinking about getting a life insurance policy may not be on the top of everyone's list of things to do, but it is nevertheless an extremely important thing to do for everyone who has loved ones.Of course, it is unsurprising some people don't like to think about what may happen after they have gone. But the truth is that it is not a morbid thought, but a practical one. Look at it this way, by spending a little time now making sure...more
Long term insurance is mainly intended to protect the impact of a possible disability through a much longer period of time. The insurance company has to cover a percentage of the monthly salary for a much longer period of time, when you qualify as a disable individual.As with various types of insurance, there are multiple factors that will affect and change the terms of this insurance. The policy duration is not the only thing that you need to...more
Long term disability insurance companies provide you with wider scope of benefits ad options. This insurance plays a bigger role in case of policyholders and investors, who plan to work together along with the company to achieve their financial objectives.By opting for long term protection, the clients are able to focus more on investing on themselves rather than being assured that their professions or businesses are in good and stable condition. One of the examples of this type of insurance plan is a non taxable monthly income, which is provided by the company until the client attains the age of 65 years. This is among the most common long term disability insurance which is availed by the policyholders. However, different policies and rules apply to the client who has total disability at the age of sixty or above. The income benefits that are received from the long term disability insurances are mainly based on the salary of the employee after the maximum short term insurance has expired. In majority of the cases, the employees are enrolled in a short term disability plan that is promoted by the company. This plan also provides for the various financial benefits and secures a...more
Does the amount of alcohol you drink affect your life insurance rates? While life insurance companies may not be primarily concerned with how much alcohol you drink, they are definitely concerned about any adverse effects your drinking may have on your health. Heavy drinking as a lifestyle may lead to chronic health concerns such as heart disease,...more
So, it is a well known fact that improving your health can improve your life insurance rates. A few chronic health conditions that can prevent you from getting a good rate on life insurance are high blood pressure, diabetes, cancer and heart disease. Life style-related conditions such as smoking, obesity and drinking also have a negative impact in...more
Being overweight is usually a cause of concern when applying for a life insurance policy. Some people who have challenging health issues related to being overweight think they cannot get any insurance at all and therefore, may not even try applying for life insurance coverage. Some have tried and have been declined by the few life insurance companies they have applied to. The fact is, even if you are overweight or obese, you may still be able to find an affordable insurance coverage policy that meets your needs. You may just have to try harder and shop around for the most affordable life insurance coverage.Shed a few pounds before you apply for life insuranceIf you are 10 lbs over your "ideal" weight, and have a good medical history with no existing medical conditions, many life insurance carriers may overlook the weight. Since being overweight or obese is a modifiable factor, one sure way to get cheaper life insurance premiums is by making sure you are the "ideal" weight for your age and height at the time you apply for a life insurance policy!Most life insurance carriers look at your BMI (Body Mass Index) and may use this criterion to determine the premium category you qualify...more
Another way you can save on premium payments is by making annual payments. Most life insurance companies offer several payment options. You can pay monthly, annually or even quarterly or semi-annually. However, life insurance consumers may not know...more
It is fairly obvious that your life insurance policy should name a beneficiary since the sole purpose of a policy is to ensure that your loved ones will be financially supported after your death. Most life insurance policies bequeath their...more
Buy Latest Gadgets: For amazing and vibrant life By: Robin Swan About the Author Robin Swan is an expert author and has more then 4 years of experience in writing gadgets and technology articles. To know more about Buy Latest...more
An alternative which protects you against declining insurability as well as providing life insurance that meets your changing needs is to plan ahead. Since individuals' insurance needs generally decrease as they age, most people can satisfy...more
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The Types of Long Term Care Insurance Policies By: christine About the Author Need more information about types of long term care insurance policies? Visit http://www.completelongtermcare.com and read articles on long term care...more