Category Archives: Life Insurance

Qualify For Better Life Insurance Rates by Familiarizing Yourself

Life insurance has a prominent role to play in a household’s long term financial plans. Life insurance is mainly offered in two types: term life insurance and permanent life insurance. There are vast differences between the two kinds of insurance. While term life insurance is purely meant for benefit purposes, permanent or whole life policies are viewed as investment vehicles and tools which gain cash values and pay off regular dividends. Term life insurance lasts for a certain term only. The most commonly chosen terms are 10, 15, 20, 25 and 30 years. Term life insurance can be used to meet the many financial obligations a family faces such as settling the estate taxes, repaying home mortgages, paying children’s college fees and so on. The insurance amount must be about six to ten times your annual income which would be adequate to cover most concerns. You can also modify the basic term life policy by adding some riders or clauses such as annually renewable policy, opting decreasing or increasing level of insurance coverage, level premiums, return of premiums and such. These riders come at an extra charge and you must weigh in your needs and the subsequent costs before opting to attach riders to the straightforward benefit policy.

The rates of a life insurance which are offered to insurance buyers are decided by their individual profiles of age, health and lifestyle. To qualify for low life insurance rates, industry experts advise to purchase insurance early in life and be conscious of your health. Quitting smoking also makes you eligible for lower insurance rates. The main criteria which the insurance companies have in deciding the rates on your policy are:

* Your birth date: the people who are young and are expected to live longer are offered lower rates. Hence purchasing insurance while you are young would aid you in getting lower rates on the insurance policy as compared with older or middle aged people whose life expectancy is lower and thus they get higher rates of insurance.

* Your health condition: The condition of your health has a pretty prominent role when it comes to determining the rates on your insurance policy. The insurance company gets you checked thoroughly to know the condition of your health. The urine and blood samples are collected and tested to see if you suffer from any health issues. In case you are found to be suffering from any illnesses then you get higher rates of insurance. You have to take care of your health so that you are found to be healthy and well. Getting properly treated for a health condition is greatly helpful in lowering the rates of the insurance policy.

* Tobacco or nicotine users: People who smoke or use tobacco are subject to higher rates of insurance because their mortality rates are comparatively higher than the non smoking people as the data all over the world reflects. Insurance companies bear this in mind while determining the rates on an insurance policy. If you quit smoking and continue to be smoke free for a year or so before getting medically tested then you might qualify for non smoker rates. Some insurers offer non smoker rates only to people who have been smoke free for at least three years.

* Lifestyle and occupation issues: if you are one of those people who routinely enjoy indulging in dangerous sports and life threatening activities and work in hazardous conditions then you would be offered higher rates on the policy which you would be buying because the risk on the insurance company increases when they sell insurance to you.

* Family history of health conditions: if you have a family history of serious or terminal illnesses, then too the rates of insurance increase. It is assumed that you might also inherit the condition and thus pose more of a liability to the insurance company.

Instant term life insurance quotes are a very helpful tool for potential insurance buyers. To get quotes on your query you simply need to key in a few details about your age, health and lifestyle along with the coverage that you want. Within a few seconds you would be given a quote on how much you qualify for. This service is offered free of cost and you must avail of it to compare quotes and finalize the insurer fro whom you would eventually buy insurance from.

Article by David Livingston of, a website with the best affordable term life insurance and cheap life insurance rates information in the country.

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The Inherent Features and Attributes of Instant Term Life Insurance

Life insurance plays a vital part in your long term financial planning. It acts not only as a back up in case of contingencies but also protects the family in case the primary bread winner of the family passes away. Life insurance can replace that person’s salary. One can also plan the expenses for their burial with the help of life insurance. A partner’s interest or shares in a business can be bought out. Life insurance can provide for children’s college education and take care of the home mortgage, utility and hospital bills. In a nutshell, life insurance is the buffer when a family faces financial crisis. This crisis can unexpectedly and suddenly strike any family in the form of the passing away of the main earner or his or her getting disabled and unable to work.

Life insurance chiefly comes in two types: term life insurance and permanent life insurance. Temporary life insurance policies are meant to last for a certain term only and have to be renewed or converted to a permanent policy if one wishes to continue with it. Permanent life insurance is of two types: universal life and whole life. These policies accumulate cash worth and give off dividends as well and so they are also a type of investment. Term life policies are purely for benefit purposes only as they do not gain any cash values benefit is paid out to stipulated person(s) when the policy holder dies within the term.

Affordable term life insurance is the ideal plan for families with limited incomes. Term life insurance is a type of temporary insurance in which the insurance is offered for a limited number of years or a predetermined term which can go up to a maximum of thirty years. In this type of policy, the insurance amount is settled with the beneficiaries of the insured person in case the latter passes away within that term. If the insured person lives for longer and outlives the term of the policy, then no settlements are made.

Life insurance must be bought at the earliest to avail of the low rates offered to younger customers. Younger people are likely to live for a long time thus reducing the financial liability on the insurance company. The insurability of a person or a life insurance applicant is judged by testing the person medically. This medical test reveals the true health condition of the person. If the individual is found to be having no maladies or signs of any health conditions they are offered low rates of insurance which translates to lower premiums on their term life policy.

The medical test is conducted at the insurance company’s cost by qualified physicians and it generally takes an entire working day or most hours to complete because blood and urine samples are collected, x-rays and ECGs are taken among other procedures. Then the samples are tested and reviewed. The application for life insurance can be rejected or accepted depending on how you fare in the exam. If the application is accepted then the rates to be offered are decided. This entire process takes at least a couple of weeks to get completed.

A lot of potential insurance buyers want to purchase insurance quickly without undergoing a medical examination. Some people do not like to be examined physically and some detest being poked with needles. A lot of people also can not find the time in their extremely busy schedules to take a physical examination. They can opt for instant term life insurance. When this policy is applied for, the individual is only asked a few questions related to the age, health, whether smoker/non smoker, history of family illness and lifestyle to determine the insurability and within a couple of hours the rates are determined and a policy is sold to the individual.

You need to review your life insurance policy every couple of years when a major event takes place in your life like getting married or divorced, birth of a child, buying real estate, investing in a new business, changing jobs and such. If you need life insurance for a certain period only and you can not afford to pay large premiums then term life insurance policy is ideal for you.

Article by David Livingston of, a website with the best cheap life insurance and cheap term life insurance information in the country.

Life Insurance No Exam is the Answer to All Life Insurance Aspirants

Many life insurance applicants have been turned down by some companies because of failing the requirements. What can they do to these people who seek the services and benefits of a life insurance? The solution is the life insurance no exam. This was exclusively intended for those applicants who did not qualify for a tern life insurance.

A life insurance no exam allows almost every applicant to own this type because there is no need for a medical certificate as proof of insurability; and there is no medical examination to undergo. Just be able to have the necessary resources to pay for its monthly charges and that’s it. This type of life insurance offers the same benefits as that of a term life insurance. The premium rates are only much higher.

For any life insurance application, one has to follow certain procedures to get the approval. A very critical life insurance requirement is the medical procedures. Every insurer has to pass the medical requirement to continue with the application. If he passes the medical requirement, he will be verified if he can pay the life insurance’s monthly fees using his monthly income. If he has insufficient monthly earnings, he cannot pursue his desired life insurance.

The advantage of having a life insurance is the assurance of every insurer that his family will get the needed support from the cash benefit it offers. This can only be claimed if there is a proof that the insurer is no longer alive to continue with his life insurance contributions. Furthermore, the claim will only take place if the insurer dies within the coverage period.

The situation is different if the insurer finishes the term, there will be no claim of the cash benefit by any beneficiary. But the insurer will be given an opportunity to renew his life insurance without going through any medical examination. If he chooses to renew, he will be given a better type of life insurance at a higher premium rate. The renewed policy also offers better benefits. The insurer can also turn down the offer if he wishes and choose a different type that he desires.

If there are limitations in acquiring a life insurance no exam, what are they?
1. The applicants that were disqualified in a term life insurance application are perfect candidates
2. Vehicle drivers with bad driving records
3. Cigar smokers who do not want to stop smoking
4. Any acts of danger are considered for this type
5. Any individual who does not want to undergo a medical check up

Without the proper information about life insurance, this may seem very complicated to accomplish. But even with a little information, anyone can start applying. Get some information from your friends who have an existing life insurance. Their advices can be very handy. Search for a life insurance in the internet. Almost all of your questions can be answered online. There are also sites that offer life insurance quotes. Make use of these quotes.

The quotes are used to determine which types are suitable for an insurer. It will depend on the information given by the insurer. The type of life insurance will be known and also its premium rates. The quotes will only give you an idea on which is the right one for you, but you will still have the last decision.

For those insurers who have plenty of time to apply, visit any life insurance office and apply directly. A very courteous life insurance representative will assist you on whatever you need. This is the most efficient way of applying for a life insurance because you will know exactly what you need and which options are necessary to get your approval. But this method is not very easy for many working individuals. They find it hard to spare some time for this kind of transactions.

There is a solution to this situation. Get the assistance of a licensed life insurance agent to do the job. This person will accomplish the task as expected with excellent results. This professional can also find other options to get you an approval. With the help of a professional life insurance agent, you will need to spend some more from his or her services.

Article by David Livingston of, a website with the best low cost term life insurance and cheap life insurance rates information in the country.

UNAKIM--Spy Mini Tracking Finder Device Auto Car Pets Kids Motorcycle Tracker,No battery


  • Brand: UNAKIM
  • Color: White
  • EAN: 8809657485411
  • EAN List: EAN List Element: 8809657485411
  • Label: UNAKIM
  • Manufacturer: UNAKIM
  • MPN: UA-9843
  • Part Number: UA-9843
  • Product Group: Kitchen
  • Product Type Name: KITCHEN
  • Publisher: UNAKIM
  • Studio: UNAKIM
  • Title: UNAKIM--Spy Mini Tracking Finder Device Auto Car Pets Kids Motorcycle Tracker,No battery

Even Low Cost Life Insurance Can Help Change Lives

Prices of basic commodities change constantly and so are life insurance rates. But still there are many available low cost life insurance products to choose from. You only need patience to find and select the right one. Check first what you exactly need before selecting one. The rates depend on the type of life insurance that you choose. It is important that you know how much your life insurance would cost so it won’t affect your regular household expenses.

For bigger savings, a low cost life insurance is appropriate. It can also provide what other life insurances can offer. An insurer can experience the protection that he needs from working every day. His beneficiary has the possibility to accept a benefit in terms of cash should he dies without reaching the life insurance’s maturity. The amount of the claim will be based on the type of contribution made by the insurer. The cash benefit can only be claimed by the beneficiary if this individual can provide a proof of death, like a death certificate of the insurer.

One of the most sought types of life insurance by lots of insurers is the instant term life insurance. This offers very affordable rates for a given period of time. It allows insurers to easily finish the term and have the opportunity to renew a better type of life insurance without submitting a medical requirement. Most of the insurers grab this opportunity but there are a number who decides to choose a different type of life insurance that they think is more suitable for them.

What are the advantages of acquiring a life insurance?
1. This assures the insurer of the protection that he needs in his daily activities
2. With a life insurance, the beneficiary has the opportunity to claim a benefit upon the permanent absence of the insurer
3. Some life insurance’s build up cash that the insurer may use for other purposes
4. The cash that may be received may be enough to start a new way of life for the surviving family

An instant term life insurance can be obtained by qualifying for its application requirements. The applicant must submit a recent medical examination result. Some life insurance companies offer medical check ups for an affordable price for insurers to take advantage of. The applicant must pass the medical requirement to be able to obtain his desired life insurance. If the applicant passes the medical requirement, he can pursue his desired life insurance. His monthly income will then be verified to be sure that he can afford paying the monthly charges.

Those people who did not qualify with the instant term life insurance’s medical requirement still have a chance to have a life insurance. The alternative life insurance will cost much more than the instant term life insurance but it provides the same benefits. This alternative is the life insurance no medical exam. This type does not require any insurer to undergo a medical examination or submit a medical certificate. Anybody can apply for this type by providing the typical documents.

There is a better way to let you select the most suitable type of life insurance. Search for online life insurance quotes. Fill these quotes and submit it online. This will automatically select which one is fit for your needs. The results will be based on the information that you have submitted.

The application procedures of any low cost life insurance are very simple to follow. Visit any life insurance office and inquire inside. It is much better to bring the necessary documents with you in case you need to apply directly. This will save you more time with your application.

If you think that you cannot provide time applying and waiting for the approval of your application, you may hire someone to finish the application for you. Look for any licensed life insurance agent to handle the job. Being a professional, this person will never leave the job undone and will find any legal means to let you qualify for your desired life insurance. The life insurance agent has been trained to handle pressure and can deliver outstanding results.

Spend a little for something that is important for you and your family. Remember that a life insurance can provide the things that you can never give upon your inexistence.

Article by David Livingston of, a website with the best instant term life insurance and cheap life insurance information in the country.

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An Instant Term Life Insurance is Like a Necessity For Everyone

Nobody knows when an instant term life insurance will be necessary but it is always recommended that you obtain it for future purposes. This life insurance will support, in terms of cash, those that will be left behind by the insurer. It is planning for the time when an insurer accidentally dies leaving the family off-handedly without any thing financial to assist them with their daily expenses.

The assistance is in form of cash benefit. An insurer will never experience the benefits unless he applies for an instant term life insurance. The cash benefit will be awarded to the beneficiary, who is the spouse most likely; if there will be a death certificate that is presented to the life insurance company for verification. The claim will only take place if the insurer dies within the period of the term. If the insurer luckily finishes the term, there will no claim of the cash benefit.

An advantage of this instant term life insurance is, upon the survival of the insurer after finishing the term and no claim occurred, he is entitled to a different kind of benefit. He can renew his life insurance for a new term but with a different interest rate. The renewal is always a higher costing life insurance but with better benefits. If he accepts the offer, he will receive his renewal immediately without taking the medical examination. If he decides not to renew, he can always select his desired type of life insurance.

Obtaining a life insurance requires an important proof of insurability. This is taking the medical examination. An insurer has to pass this requirement to be able to continue with the life insurance application. Once he passes the medical examination, he can start selecting the most appropriate type of life insurance that will suit his budget; but if he fails the medical requirements, he cannot pursue obtaining the life insurance that he desires.

To those who failed the medical examination and have been disqualified from obtaining the life insurance that they need, they can still apply for a different type of life insurance. This was intended for people who experience this kind of situation. A more expensive type of life insurance is usually offered known as the life insurance no medical exam. With this type of life insurance, there is no need to undergo any medical check up to pass the application. Simple personal information is necessary plus some initial charges and then it’s done.

These life insurances can be found by searching the internet. This method is the most comfortable way; relieving us of the travel time and the efforts in going to the offices just to get information. Use the internet in searching for cheap term life insurance quotes. These quotes will determine what is the most suitable for you. It will check automatically your capability to pay by inputting your monthly income and your personal information.

Another way is by talking to other people you know and trust. Their information will be of great help to let you start your search. Ask those who have an existing life insurance. They can help you choose the right type based on their own life insurance policies.

What is the purpose of obtaining a life insurance when we know how to take care of ourselves at all times?
1. This is just playing safe in case something bad happens to us.
2. There is a cash benefit that the beneficiary will claim if the insurer dies within the term
3. Some life insurances have cash build up that the insurer is entitled to use
4. With a life insurance on hand you can go to work everyday without worrying of dying because you know that your family will get the support that you have failed to continue

Today is the best time to get a life insurance while still young and strong. This is one of the best requirements that they look for in an insurer. Being young and strong, you have a bigger chance of surviving the term. That would be great news to every life insurance companies and for the insurer’s family too. So start looking for your instant life insurance and begin the protection that you need.

Article by David Livingston of, a website with the best term life insurance cost and life insurance information in the country.

30 Day Emergency Preparedness & Survival Gluten-Free Food Supply - All Natural, Kosher, Non-GMO - 10 Year Shelf Life - 90 Servings


  • Binding: Misc.
  • Brand: 30 Day Food Supply
  • EAN: 0859867003637
  • EAN List: EAN List Element: 0859867003637
  • Item Dimensions: Height: 800; Length: 1600; Weight: 1600; Width: 1200
  • Label: NorthWest Fork
  • Manufacturer: NorthWest Fork
  • Package Dimensions: Height: 800; Length: 1600; Weight: 1800; Width: 1200
  • Package Quantity: 1
  • Product Group: Home Improvement
  • Product Type Name: TOOLS
  • Publisher: NorthWest Fork
  • Size: 30 Days
  • Studio: NorthWest Fork
  • Title: 30 Day Emergency Preparedness & Survival Gluten-Free Food Supply - All Natural, Kosher, Non-GMO - 10 Year Shelf Life - 90 Servings
  • UPC: 859867003637
  • UPC List: UPC List Element: 859867003637