In the simplest terms possible, guaranteed issue insurance is insurance that is guaranteed for anyone in any physical condition without a medical exam. This type of insurance is most attractive to that in poor health or with pre-existing medical conditions precluding them from obtaining other types of life insurance. These policies differ from simple issue or quick issue policies which usually do not require a medical exam, but will require you...more
An easy browse around a person might be almost all it will require in order to remind you of the significance of saving money at each chance. As vital as it is in today's economic climate in order to save cash every opportunity you receive, there are certain groups in your life where spending less can be more expensive ultimately. One of these places is the medical health insurance : and also the organization where you will...more
Life Insurance is the only assurance that you have to guard you and your loved ones against the unknown and the unforeseen. Insurance is essentially a pact between the insured and the insurer. The insured pays the insurer a certain amount of money at fixed intervals as a premium in lieu of which, the insurer pays a certain sum assured in the event of death or on maturity of the policy. Below are the steps which tell how to plan your life insurance policy. . . . First decide how much insurance to buy.You should decide how much life insurance you need. You need to look carefully at your individual circumstances. The real value of life insurance is to protect your loved ones after your death. Before you buy, ask yourself: What costs and hardships will my family have to deal with after I am gone? How will the loss of my salary affect my family?These questions require careful thought and perhaps a candid talk with your beneficiaries.How to buy life insurance Mail orderA few insurance companies sell through the mail. You mail a completed application directly to the company. The company usually does not have an agent in your hometown. The InternetA growing number of...more
If you have heard of the Apocalypse 2012 and yet you do not believe any single fact about the predictions, then it is most likely that you will not make it in the list of survivors come December 12, 2012. While it is your prerogative to believe the December 2012 Apocalypse or otherwise, it would help you a lot if you will read some of the countless...more
Among the various long term care insurance programs available one must select the one that's straightforward and basic and straightforward to decode. It is indeed a bit difficult to decide which policy suits us the most. It is often better to think about at least three options to arrive at the final choice which would be our affordable term...more
With summer over and school back in session, everyone's busy with family activities and sports. There are some things that can't be ignored regardless of what is going on. The life insurance industry realizes this and has proclaimed September Life Insurance Awareness month.Here's how most people approach buying life insurance:It's something they realize they might need, but they don't like thinking about it. So, they buy a policy that fits their budget, stick it in a drawer, and hope they never have to think about it again.Purchase the right type of policy. Most life insurance policies fall into one of two categories. Term Life Insurance is a temporary policy that only protects your family for a set number of years. If the policy expires before you do, your family receives nothing upon your death. Term insurance is a popular choice for young families because it can offer a substantial death benefit at an inexpensive cost. Cash-value life insurance, also called permanent insurance, protects your family throughout your lifetime, as long as premiums are kept current. When you buy a permanent life insurance policy, it has the potential...more
I will walk in the presence of the Lord, in the land of the living. Walking in the presence of the Lord, attempting to achieve wholeness is part of the journey of Christian life. Wholeness...more
The life insurance is a mutual bond between policy holder and insurance company. The term of life insurance policy lasts for specified period of time. In this the policy holder pays the insured set of amount & the policy holder pays the...more
It's always prudent to review all your options no matter what you're buying - and that includes insurance policies. I'd bet that you normally go through a thousand review before buying any electronic gadget, shouldn't you give the...more
Nearly one-fourth of Florida residents who are not eligible for Medicare have no health insurance at all. That makes Florida second in the nation (Texas is the worst) for not helping residents get regular medical care, and hospitals in Florida have...more
Usually when you set up a life insurance policy you will base the level of life insurance cover (for example $500,000) on your situation, needs, and budget. For example your life insurance might take care of debt, provide for dependants, or have...more
According to a 2009 study by the World Health Organization, the U.S. healthcare system ranks 37th among the healthcare systems of 200 countries. The U.S. healthcare expenditure is considered to be one of the highest in the world,...more