Life Insurance : Insurance

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Life Insurance Is Not a Death Sentence

Life Insurance Is Not a Death Sentence

Accepting the finality of death is often a tough thing to face and we all have to find some way to resolve our fears about it. Once we have put our minds to rest, we ...
Term Life Insurance For College Students And Exchange Students

Term Life Insurance For College Students And Exchange Students

New and exciting experiences abound in college, thanks to some privileges enjoyed by college students. Because most students were of legal age, the range of activities that they can participate in has just widened. This ...
Can You Legally Buy Life Insurance for an Ex-Spouse?

Can You Legally Buy Life Insurance for an Ex-Spouse?

The elements of a contract apply to life insurance, plus a few unique essentials. Legal contracts require a legal purpose, and insurance contracts do not anticipate a profit motive but instead, a mitigation of circumstances. That is, when a loss occurs, the insurance makes the claimant whole again.
How to Invest 20K

How to Invest 20K

There are as many different ways to invest $20K as there are investors. How you should invest your money depends on many different factors including, but not limited to, your age, income, years to retirement, investment experience, temperament, aversion to risk, need for liquidity and investment obj
How to Calculate Kilometers to Miles Per Gallon

How to Calculate Kilometers to Miles Per Gallon

With the high price of gasoline these days, it is very important to keep track of your car's fuel efficiency. Not only does it make good economic sense, a large change in fuel economy in a vehicle can signal problems that would otherwise go undetected until it causes major damage to your car's engin
Life Insurance Tax Law

Life Insurance Tax Law

Life insurance is a financial product used by many people to provide income for spouses in the event of a sudden or unexpected death. However, life insurance is also used in other ways: to provide a supplemental retirement income, to pay for funeral costs and to pay estate taxes. Before you purchase
The Average Salary of a Bioengineer

The Average Salary of a Bioengineer

Biomedical engineers or bioengineers design equipment and devices used to help diagnose and treat medical conditions. The U.S. Bureau of Labor Statistics (BLS) anticipates a 72 percent increase in the demand for professionals in the field from 2008 through 2018, making it the fastest-growing job in
What Type of Retirement Is Provided by an Insurance Company?

What Type of Retirement Is Provided by an Insurance Company?

Insurance companies provide annuities as retirement savings vehicles. Annuities come in countless shapes and sizes from most major insurance carriers, each with its own pros and cons. The basic purpose and features of an annuity remain the same regardless of the provider, but each carrier offers pro
Which Type of Life Insurance May Be Right for You?

Which Type of Life Insurance May Be Right for You?

Life insurance policies protect your family after you die. The policy provides money for the family so that they can have the money they need to pay off your final expenses or pay off their own bills and expenses when you're gone. But, what kind of life insurance should you choose?
Life Insurance Risk Factors

Life Insurance Risk Factors

Insurance is an important facet of finances that can help protect money and provide for families in when unexpected events occur. Life insurance pays money the beneficiaries of policyholders if they happen to pass away. The cost of life insurance is based the amount of coverage as well as a variety
How to Purchase Gravestones

How to Purchase Gravestones

Purchasing a gravestone can be a traumatic experience if attempted just after the passing of a loved one. The task can be made simple and less painful if the process is completed in advance. A competent gravestone professional can help you complete the task by working with you and your cemetery of c
What Kind of Coverage We Need for Home Insurance

What Kind of Coverage We Need for Home Insurance

The kind of coverage you need to insure your home depends upon many factors. If you have a mortgage, your lender will require you to meet some insurance requirements. If you own your home outright, having home insurance can help protect you from financial loss. If you are a renter, you will share so
Can I Get Life Insurance at Age 83?

Can I Get Life Insurance at Age 83?

Buying life insurance is best when you're young, as rates are low. However, you might find that you need life insurance in your old age. At 83, you are nearing the end of your life, and your ability to obtain insurance is limited. However, you can still obtain a policy at this age.
Giving Young Adults The Green Light With Life Insurance Proceeds: Don't Do It!

Giving Young Adults The Green Light With Life Insurance Proceeds: Don't Do It!

One of my favorite episodes of the 1970s sitcom, Sanford and Son, is the episode where Fred and his cousin Grady conjure up the plan to marry their two children in order to cash in ...
What Is the Amount of Money You Can Make Before It Has to Be Reported to the IRS?

What Is the Amount of Money You Can Make Before It Has to Be Reported to the IRS?

Whether a United States citizen is required to file an income tax return normally depends on one of three factors: gross income, age and IRS filing status. The IRS publishes three tables to assist individuals in determining filing requirements. Consult a tax adviser with specific questions regarding
Lost Life Insurance: How to Find Your Details

Lost Life Insurance: How to Find Your Details

What if you had thousands of dollars available to you, but you didn't realize it? Every year, thousands of people are cheated out of hundreds of millions of dollars for one simple reason - they ...
How to Obtain a Certificate of Eligibility

How to Obtain a Certificate of Eligibility

Certificates of eligibility are used by a certifying agency, usually a governmental agency, to verify that an individual or organization have met the eligibility requirements for a certain task or program. Certificates of eligibility are needed to perform tasks as widely varied as applying for a pre
The Average Salary of a Gunsmith

The Average Salary of a Gunsmith

Citizens in the United States own approximately 273 million firearms, according to GunSafe.org. The job of a gunsmith is to maintain and repair these firearms. Some gunsmiths work for firearm dealers and retail stores, while others are self employed. There are no standard requirements for individual
How To Withdraw Cash Value From a Life Insurance Policy

How To Withdraw Cash Value From a Life Insurance Policy

Withdrawing cash value from a life insurance policy is one way that those who are having financial challenges can obtain the cash they may need. Perhaps you have experienced an unexpected job loss, want to invest in an investment property or have had a decrease in salary and want to use the money th
What Is the Best Type of Life Insurance?

What Is the Best Type of Life Insurance?

If you are shopping for life insurance, you essentially have a choice between a term or permanent policy. Term insurance is less-expensive "no frills" coverage, while permanent plans offer the opportunity to build cash over the years. How you feel about a number of key factors will determine which t