Everything About Life Insurance!

I want to start off this 2010 with an article regarding Life Insurance. Many people find this topic morbid but believe me when I say this contract is as important as a Will and should be taken just as seriously as health insurance. Due to the length in details of this article I have provided chapters for easy reading. I hope this will educate you on Life Insurance and the importance of its necessity. (Note: For better understanding "You" is the policy owner and the insured) Chapters: 1= Introduction 2=When/If you have Life Insurance already 3= Difference between a Insurance Agent and Broker 4= Types of Policies 5= What are Riders and popular types of Riders 6= The medical exam 1) About general Life Insurance: This is a contract between you and an insurance company to pay a certain amount (the premium) to a company in exchange for a benefit (called the Death Benefit, face amount, or policy amount) to the beneficiary (the person you want to get paid in the time of your death).

What Type Of Life Insurance Is Best?

etc, etc. This doesn't even take into account this variable life and universal life policies that claim to be so good for your retirement. So you are going to pay $52,800 into a policy and this policy will make you rich, AND pay you the $200,000 death benefit, AND pay the agents, staff and fees? This has to be a rip off, like this company  Gratis-Iqtest that does mold removal was ripped off on its insurance. Well, how could they rip you off? Maybe for the first five years of the policy, no cash value will accumulate (you may want to check your policy).

Don't let an insurance agent trick you into buying a whole life policy based on the assumption that you are too incompetent and undisciplined to invest your own money, like the policy for Novy Hradek fire and water damage restoration company that was tricked on their investment policy. If you are afraid to invest your money because you don't know how, then educate yourself! It may take some time, but it is better than giving your money to somebody else so they can invest it for you (and get rich with it)



What Type of Life Insurance Policy Should You Get

I will talk to you about your priorities and give you a FREE-NO-OBLIGATION REPORT on the least expensive insurance for your age, health, and circumstances. If you are satisfied with report's results the process of insuring your family can all be done online or over the phone to save you time as well. Please call me now at 1-888-611-2688 and I will work to save you thousands of dollars on your life insurance! View the retail management system in Johannesburg  

Avoid These Six Common Life Insurance Mistakes

That is why we buy life insurance in the first place. Second, life insurance gets very expensive as the insurance buyer gets older. Your financial plan should provide for contingency funds to meet any unexpected urgent expense or provide liquidity for a period of time in the event of a financial distress. Can sealy double mattresses for sale in Johannesburg be insured against. 6. Insurance is a one-time exercise: I am reminded of an old motorcycle advertisement on television, which had the punch line, "Fill it, shut it, forget it". Some insurance buyers have the same philosophy towards life insurance. Once they buy adequate cover in a good life insurance plan from a reputed company, they assume that their life insurance needs are taken care of forever.

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Twelve Secrets and Tricks to Buying Life Insurance

For instance company X might be best for smokers, company Y for cancer survivors, Company Z for people with high blood pressure, etc. You can go crazy reading what everyone has to say on buying term insurance versus a whole or universal life policy. Big name websites give advice that I think borders on fraudulent. Simply put there is NO simple answer on whether you should buy permanent cash value policies or term insurance. Short term vehicle insurance is vital. But I do think there is a simple rule of thumb - buy term for your temporary insurance needs and cash value insurance for your permanent needs.

Export credit insurance definition  explained. If you are in a hurry and buy a quickie 'no-underwriting' policy without going through the full health checks and underwriting that a mainstream life insurance company requires, you will end up paying 20%-50% more because the insurance company will automatically charge you higher rates because they don't know whether you are healthy or about to die the next day. Secret #9: Avoid buying extra life insurance through work if you are healthy. I am sure there are exceptions to this "trick" but I have rarely found one

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