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 ...
Explain Modified Graded Whole Life Insurance

Explain Modified Graded Whole Life Insurance

Whole life insurance is the most basic type of permanent life insurance on the market. Whole life combines the death benefit found in all insurance contracts, with a savings component that is in actuality a cash reserve that builds up against the value of the death benefit. The cash reserve, called
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
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?
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.
Choosing a life insurance policy

Choosing a life insurance policy

Many people prefer not to think about life insurance, but for those that do, the minefield of options available across the market can be mind-boggling. Life Insurance used to be purchased through a financial adviser ...
How to Decrease Life Insurance

How to Decrease Life Insurance

Decreasing your life insurance policy is only necessary when your beneficiaries' needs are significantly lower than the benefits your policy provides. Carrying enough life insurance is important because your family may be left destitute due to your unpaid financial obligations. Life insurance provid
How Do Structured Settlements and Annuity Payments Work

How Do Structured Settlements and Annuity Payments Work

A structured settlement is a financial arrangement for those who have been injured. The beneficiary, in agreement with the insurance company, will receive periodic payouts. The benefit of these payments is the guarantee of an ...
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 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
Life Insurance Terms & Meanings

Life Insurance Terms & Meanings

Life insurance protects your family from your debts after you die. Life policies are complex contracts with industry specific terms and meanings, which you may find confusing. Before you sign any application or accept any contract from the insurance company, you should understand what some of these
What Is Guaranteed Universal Life Insurance?

What Is Guaranteed Universal Life Insurance?

Guaranteed universal life insurance is a particular type of life insurance that offers a guarantee on the death benefit proceeds of the policy. A guaranteed universal life, called guaranteed UL, ensures that your death benefit will not terminate if there is insufficient cash value to support the dea
Can You Pay Health Care Premiums With HSA?

Can You Pay Health Care Premiums With HSA?

A health savings account (HSA) is a relatively new savings account for healthcare purposes that comes with special tax advantages. There are requirements, or qualifications, associated with the HSA that must be met to receive those tax benefits; however, this is a very flexible healthcare option, as
Benefits of Term Insurance

Benefits of Term Insurance

Term life insurance benefits include the freedom to look forward to fixed premiums over a period of time that you have enrolled for, where rising costs still do not threaten the value of the stakes ...
What Is the Purpose of Term Life Insurance?

What Is the Purpose of Term Life Insurance?

The subject of purchasing life insurance can be a delicate topic for many families. However, purchasing the right type of life insurance will provide you and your family with financial peace of mind in the event that you die unexpectedly. Term life insurance is a particularly affordable option.
Divorce and Life Insurance

Divorce and Life Insurance

Divorce has a great impact on your life. It is bad both emotionally and from a legal and financial point of view. If you and spouse have bought a life insurance together, the policy will ...
New Type of Life Insurance

New Type of Life Insurance

No one likes to think of what their life were to be like if they were diagnosed with a serious illness, but with advancements in medicine the odds of surviving a serious illness are pretty ...