Compare Whole vs #instant #whole #life #insurance #quotes


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Whole Life vs. Term Life Insurance

Life insurance can be very confusing. What is term life insurance? What is whole life insurance? How can you get the information you need and make the right decision about life insurance for you and your family or other beneficiaries? We’ll provide an overview of these two popular types of life insurance so you can get an idea of what might be a good fit for you.

Differences Between Whole Life and Term Life

Deciding whether to purchase whole life or term life insurance is a personal decision that should be based on the financial needs of your beneficiaries as well as your financial goals. Life insurance can be a very flexible and powerful financial vehicle that can meet multiple financial objectives, from providing financial security to building financial assets and leaving a legacy.

Here are some of the main features of term and whole life insurance.

Features of term life insurance
  • Provides death benefits only
  • Pays benefits only if you die while the term of the policy is in effect
  • Easiest and most affordable life insurance to buy
  • Purchased for a specific time period, such as 5, 10, 15, or 30 years, known as a “term”
  • Becomes more expensive as you age, especially after age 50
  • The term must be renewed if you want coverage to be extended beyond the term length
  • Can be used as temporary additional coverage with a permanent life insurance policy
  • Can be converted to whole life insurance

Features of whole life insurance:
  • Covers you for life
  • Provides death benefits as well as a cash value accumulation that builds during the life of the policy
  • You typically must qualify with a health examination
  • Can be purchased without a medical exam, but at a higher cost
  • Takes 12 to 15 years to build up a decent cash value
  • Can be a good choice for estate planning
  • Cash value is based on how much the return on investment is worth
  • A portion of the cash value can be withdrawn or borrowed during the life of the policy
  • Initially has more expensive premiums than term life insurance, but can potentially save you money over the life of the policy if in force for a considerable number of years

Whole Life or Term Life Insurance Variables and Considerations

When choosing between whole life or term life insurance, there are a number of variables to take into account. A knowledgeable life insurance agent can help you evaluate each of the following aspects of your circumstances and determine whether term life or whole life is a better option for you. The factors to consider include:

  • Your current age
  • Current state of your health
  • Financial needs of your family
  • Plans for funeral and death expenses
  • The age of your children
  • Long term health expenses in the event of a serious illness
  • Your mortgage and current debts
  • When you plan to retire and the retirement plan you have in place
  • Future needs of your family, such as your children’s college tuition
  • Your need for an additional retirement savings plan
  • Your plans and concerns regarding setting up an estate and ramifications for estate taxes
  • Your intention to set up a trust as part of your will
  • Whether you want to donate life insurance proceeds to a charity
  • Your feelings on potentially paying into a term policy and never receiving any of that value back

Hypothetically, if you are 35 years old, have young children, and are the primary income earner in your household, you might want to consider buying a term life policy that would fully cover your family’s financial obligations.

Adding up your living expenses, your home mortgage, pay-off of all debts, and your children’s education can help you understand the face value of a policy your family will need if you die prematurely. The length of the term would likely depend on the age of your children and when you foresee them completing college.

Alternatively, you could purchase a whole life policy that will not only pay that policy face value if you should die before your children are through college, but would accrue a cash value that would provide additional benefits to your family or a growing fund of emergency money. You could also consider converting portions of your term life policy over to whole life insurance over time to build a cash portfolio for your retirement as you age.

If you are just starting to consider life insurance at the age of 60, your children are most likely grown up and on their own, and your needs are very different. You might want a small term life insurance policy that could cover your final expenses, or you might be looking for a term life or whole life policy that could provide for your spouse’s needs if he or she lives on after your passing.

There are many creative and flexible options with life insurance that can meet your unique needs. Only a qualified life insurance professional can help you compare term life vs. whole life and determine which would be the best strategy for you.

How to Compare Term Life and Whole Life Side by Side

Now that you have a better picture of the difference between term and whole life policies, you probably want to compare term life versus whole life insurance costs. To do so, you will need to directly compare the short and long term costs of a whole life policy and a term policy, based on factors like your age, the face value of the policy you want to buy, and whether or not you are a smoker.

You may find that your out-of-pocket costs for whole life insurance seem daunting compared to term life insurance. This is because the dollars you pay into term life insurance premiums are only there to provide a death benefit to your beneficiaries if you die during a specified term, while money you invest in whole life insurance premiums builds cash value that you can use later in life or that will add to the death benefit payout. The percentage of your costs that go into your cash accrual account increases with passing years, as many of the administrative costs associated with setting up the policy and associated investments occurs early in the life of the policy.

Should You Convert Your Term Life to Whole Life Insurance?

Most term life insurance policies allow you to convert your term policy into a permanent life insurance policy such as whole life insurance. Is this the right thing to do? Some of the reasons it may be a good idea to convert your term policy to a whole policy include:

  • Your term life policy is about to expire and you are in your 50s or 60s.
  • You want to extend your life insurance coverage, but term insurance may no longer be available or has become very expensive due to your current age.
  • You are setting up an estate, or you are concerned about estate taxes.
  • You are setting up a trust in your will.
  • You need a non-taxable investment option.

Converting term life to whole life insurance can be an excellent way to continue your life insurance policy and also build cash value that you can borrow from. There are many different ways to structure this type of policy, depending on your needs and goals, so be sure to work with a life insurance professional who can answer all of your questions and help you make the best choices.

Should You Buy Both Whole Life and Term Life?

You can own both whole life and term life policies at the same time. People who are looking at this option typically already have a whole life policy. However, they may find that they want additional short-term insurance coverage such as for 10 years. In this instance, buying a term policy for the amount of life insurance you need for that extra protection can be a good solution.

Or, you may already own a term policy and find that you want to invest some additional money into a long-term investment for retirement purposes or because of estate issues. In this instance, buying a whole life policy which has a cash value accumulation feature may be the way to go.

Now that you know the differences between term life insurance and whole life insurance, you can make an informed choice to find the best life insurance solution for you and your family.

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23/09/2017

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Business Loan for SME in Malaysia #business #loan, #loan #malaysia, #small


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SME Loans

Need a business loan but have minor CCRIS problem and no guarantor?

Need additional working capital but have no asset or collateral?

We are a business loan consultancy team consisting of ex bankers and lawyers. We assist SME and SMI entrepreneurs to arrange for credit facilities from conventional or islamic banks. Common needs for financing include:

Loans for Asset Acquisition

Asset acquisition is one of the many strategic ways to expand your business. Some of the available business loan products for asset acquisition include:

Term Loan
Term loan is for a specific amount that has a specified repayment schedule and a floating interest rate. It is useful for acquiring assets such as land, buildings and vehicles.

Bridging Facilities
An interim financing (usually one year) to allow the borrower to meet current obligations by providing immediate cash flow pending the arrangement of larger or longer-term financing.

Leasing
Leasing is a contract by which one party conveys land, building, equipment or machinery to another for a specified time, usually in return for a periodic payment. It enables SME to acquire the usage of physical assets without having to purchase.

Industrial Hire Purchase
Financing to upgrade or buy machinery and equipment as part of expanding your business capacity without incurring high upfront payment thus freeing up funds for other uses.

Short Term Financing for Working Capital

To run smoothly, your business needs working capital i.e. the cash available for day-to-day operations of an organization. There are various products offered by financial institutions to provide additional liquidity to your business. And these include:

Overdraft
An overdraft is a credit facility loaded to your current account where the bank extends credit to meet working capital needs such as payment of salaries, purchases, utilities and other unplanned expenses. Although overdraft provides flexibility and convenience the interest is high as it is calculated on a daily basis on outstanding balance at the end of each business day.

Revolving Credit
Revolving credit (also referred to as line of credit LOC) is a type of credit that does not have a fixed number of payments. Corporate revolving credit facilities are typically used to provide short term liquidity for a company s day-to-day operations.

Factoring
In Factoring, SMEs can sell their accounts receivables (i.e. invoices) to a third party (called a factor) at a discount. The purpose is to obtain cash advance to meet urgent cash obligations.

Trade Financing

Another option to provide short term financing is trade financing. Some of the common trade financing facilities provided include:

  • Letter of Credit (LC)
  • Bills of Exchange Purchased (BEP)
  • Trust Receipts
  • Foreign Exchange Contracts
  • Bankers Acceptance
  • Export Credit Financing

21/09/2017

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Best and Cheap Instant Payday and Cash Loans Online, Bad Credit


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Instant Loans

Need some money fast? We can help!

Swift Loans Australia provides super fast, easy cash loans online, and once approved , we transfer the funds from our bank account within 60 minutes *.

Our brilliant application process is really simple and quick to complete, and the great thing is that you will know exactly where you stand really fast.

After approval, our secure online system then transfers the money from our bank account within the hour*, and you re then good to go.

What s more, we give you the option of repaying your loan over 10, 14 or 18 weeks, so that you re comfortable paying us back over a time frame that suits you.

Once you ve successfully taken out a loan with us, we ll make you a Swift Loans VIP member, so that the next time you need some emergency cash, the process is even faster!

So, Apply Now, and we ll arrange for some Swift Cash for you today!

*NB. We will always aim to transfer the loan funds from our bank account within 60 minutes of receipt of signed contract, if during AEST standard bank hours. The processing of, and subsequent deposit into your account, will always be subject to your financial institution, which is outside of our control.

Get conditionally approved in minutes!

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WARNING – Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

  • Check your options before you borrow:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Email: http://www.humanservices.gov.au/advancepayments

The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

WARNING – Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

  • Check your options before you borrow:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink:

The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Privacy Consents Electronic Authorisation

Swift Loans Australia Pty Ltd has a comprehensive Privacy Policy that outlines the ways in which the company collects, manages, distributes and stores information provided by our customers. This policy also outlines the ways in which the company provides access to this information for collection, as well as the procedure for contacting Swift Loans should you have any questions. To access this policy, please click on the Privacy Policy tab at the bottom of our website or click here

By consenting to the terms and conditions outlined in Swift Loans Australia Pty Ltd s Privacy Consents and Electronic Authorisation, you agree for the company to collect, use and disclose personal information about you.

The information that you provide may be used for the purpose of providing you with a loan, for marketing purposes, or in conjunction with our affiliates and/ or business partners. Should you wish to gain access to this information for any reason, please contact Swift Loans Australia Pty Ltd. Should you wish to not receive any marketing or promotional material, please also contact Swift Loans Australia and they will remove your details from marketing distribution.

By consenting to this policy, you agree that Swift Loans Australia Pty Ltd and their associates may undertake any of the following at any time:

a. Assess an application for credit by you by seeking and using Credit Information about you.

b. Request and use information about your current and previous employment history in order to assess your application for consumer credit.

c. Using the services of a credit-reporting agency, such as Veda Advantage, Dun Bradstreet or Experian, Swift Loans Australia Pty Ltd may disclose information about you, the customer, for the purpose of receiving a credit report to verify your information and assist in the processing of your loan application. Swift Loans Australia Pty Ltd may also use the services of these companies in order to assess your credit history, past and current loan status, overdue accounts and details of the loan requested from Swift Loans Australia Pty Ltd.

d. It is a requirement by law, that Swift Loans Australia Pty Ltd discloses information about you to any organisation involved in the provision of credit to you, anybody in connection to a complaint concerning you or the services provided by Swift Loans Australia Pty Ltd, any of our associates, or any third party wishing to invest in Swift Loans Australia Pty Ltd.

e. Contact you directly to discuss your suitability in relation to the services provided by Swift Loans Australia Pty Ltd or any of our associates and/or business partners.

f. Any or all of the actions as outlined in the Privacy Policy of our website.

As a customer of Swift Loans Australia Pty Ltd, you consent to the company contacting you via email, or via our VIP Member area website as ways in which to distribute documents and information relating to the status of your loan(s). You understand and agree that by giving this consent

a. You must regularly check all nominated addresses, VIP Member area and your phone for notices

b. Unless required by law, Swift Loans Australia Pty Ltd will not send hard copies of any documentation

c. You may withdraw your consent to receive electronic documents and notices at anytime, and only with the provision of an alternative means of communication.

d. Should Swift Loans Australia Pty Ltd provide information that can only be viewed in the customer s VIP Member login page, the company will contact you via email with information to this effect.

e. Swift Loans Australia Pty Ltd will make all notices, statements of account, copies of the contract, Terms and Conditions, statutory notices (including the Credit Guide and Information statement) available for a reasonable period of time in the www.swiftloans.com.au VIP Members Area for access by you, using your nominated login and password.

f. By clicking I agree you will be creating a binding legal obligation where indicated.


20/09/2017

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Unified Communications Solutions #uc, #uc #one, #unified #communications, #collaboration, #voice, #voice


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Unified Communications

Unified Communications – Driving Your Business Forward

Boost productivity, save money and work smarter. Ensure your employees are productive wherever they are by enabling them to easily and instantly chat and share information via desktop or mobile devices, whilst using a single business identity.

You need to focus on running your business. Let Exponential-e’s team of experts provide you with the backup and support you need. At Exponential-e we provide a fully managed service with 24 / 7 x 365 support. and issue regular updates containing the latest features and functions to ensure your service is future-proofed.

A great Unified Communications service needs a great Network and our private, secure and resilient one means we can eliminate the effects of packet loss, latency and jitter to ensure excellent voice and video quality – all backed up by our single end-to-end SLA.

Benefits

  • Increase productivity by enabling fast and fluid communication that boosts agility, speeds up idea-sharing, decision making and makes your company more efficient.
  • Give remote workers access to the same functionality as their office-based colleagues, enabling them to collaborate as if they were at the next desk.
  • Save time and money on travel by introducing UC applications like audio and video conferencing and desktop sharing over the Cloud .
  • Business continuity is assured by services and features delivered safely from the Cloud – so that communications are continuously available in the event of an on-site disaster.
  • Access the latest communications technology over the Cloud, without the need for investment in infrastructure, systems or equipment, and with impressive savings over legacy PBXs and phone lines.
  • Deliver new functionality in real-time to quickly meet changing needs, without having to recruit and retain expensive in-house technical experts.
  • Peace of Mind-as-a-Service because the Unified Communications service is delivered over our secure and private Network service reliability and great voice and video quality are assured. In case there is an issue we’re always here to help you with our 24 / 7 x 365 support .

Benefit from the simplicity of a Unified Communications solution from Exponential-e

Watch our video to discover more about our Unified Communications portfolio and how we can help you to connect your workforce – wherever they might be, and whatever device they may be using.


08/08/2017

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Buy cloud windows vps or linux vps freebsd #buy #vps #windows,


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Virtual private servers

We offer Virtual Private Servers based on the most reliable and modern hardware which will provide you with outstanding performance and reliability. The Cloud infrastructure used for VPS is backed by uncompromisable network, storage and CPU processing facilities, redundant by design. A user-friendly GUI Control Panel will allow you to concentrate on applications making VPS management easy and smooth.

VPS is a way to optimize your workflow

As businesses become more reliant on web presence, the need for larger server space increases. VPS offers benefits to execute tasks that do not need the hardware of a dedicated server, but instead get a flexible and easy to use solution. VPS is the same independent unit like a physical server and does not depend on other customers compared to shared hosting, offers you the dedicated hosting service flexibility and independence, while keeping the price low.

A great option for anyone needing the benefits of a dedicated server, while at a price of a high-end shared hosting service. Your VPS will be deployed within minutes after your order is placed. No setup fees. No contract needed.

Hardware and Network

According to our Future Ready policy, every customer can expect outstanding experience when using our Cloud VPS. A special infrastructure was created to match the definition. Each VPS has 10 gbit/s network connection and non-shaped CPU, Memory and Storage access speed. Every physical component is redundant to provide 99.99% uptime.

Cloud Hosting hardware components

We use Intel Xeon ?>

02/08/2017

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Affordable Health Insurance Plans #instant #insurance


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Insurance Care Direct strongly believes in educating the individual about a product or plan before he buys it. They have a direct approach which helps an individual to select the best policy for him, without being forced to select one which may not suit his need.

Big companies like Insurance Care Direct have their own website and a free quote system which is accessible 24/7. If you need to get certain quotes or information regarding a particular policy, help is at your finger tip.

The two major types of insurance are individual and group insurance and the major difference between the two is that for individual insurance the person has to pay from his own pocket whereas in group insurance the organisation for which you work pays the premium and you enjoy the benefits. For individual insurance you have to go through a few medical tests whereas for group insurance there are no such formalities. Insurance Care Direct has some of the best plans and policies available in the market.

Based on experience of actual customers using eApproval. info regarding quotes goes here of available, but the majority have suffered alteration. Based on experience of actual customers using e


31/07/2017

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Want to be an instant travel agent? Beware! Travel – Travel

#becoming a travel agent
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Questions to ask before you jump into a potentially sketchy situation

“BE A PART OF AMERICA’S FASTEST GROWING INDUSTRY — Earn thousands of dollars a month — from your home — selling travel. “

Don’t miss these Travel stories

With teams using more than 100 unique apparatuses to launch globular projectiles a half-mile or more, the 27th annual World Championship Punkin Chunkin event is our pick as November’s Weird Festival of the Month.

You can find ads like that everywhere from the telephone pole on your corner to your grocery store bulletin board to your daily newspaper.

While you may find these ads appealing, especially if you can’t work outside your home, proceed with caution. Not all work-at-home opportunities deliver on their promises. As a matter of fact, most don’t. And that’s especially true in travel.

In the past, the “standard” get-rich-quick schemes involved stuffing envelopes, assembling crafts, or medical billing. But today, it seems that travel opportunities are fast climbing to the top of the list.

Three years ago, I wrote a column on travel scams and “Becoming A Travel Agent” was in the top five. Unfortunately, things have not changed.

Each month, I get 10 or 12 emails inviting me to participate in some new travel scheme. Very few, if any, are legitimate. Consumers deceived by these ads have lost thousands of dollars, in addition to their time and energy.

Some are “travel clubs” where you pay a membership fee for “discounted” travel, but I would like to focus on the new scourge of the industry — the “Business Opportunity.”





08/07/2017

Posted In: NEWS

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Want to be an instant travel agent? Beware! Travel – Travel

#becoming a travel agent
#

Questions to ask before you jump into a potentially sketchy situation

“BE A PART OF AMERICA’S FASTEST GROWING INDUSTRY — Earn thousands of dollars a month — from your home — selling travel. “

Don’t miss these Travel stories

With teams using more than 100 unique apparatuses to launch globular projectiles a half-mile or more, the 27th annual World Championship Punkin Chunkin event is our pick as November’s Weird Festival of the Month.

You can find ads like that everywhere from the telephone pole on your corner to your grocery store bulletin board to your daily newspaper.

While you may find these ads appealing, especially if you can’t work outside your home, proceed with caution. Not all work-at-home opportunities deliver on their promises. As a matter of fact, most don’t. And that’s especially true in travel.

In the past, the “standard” get-rich-quick schemes involved stuffing envelopes, assembling crafts, or medical billing. But today, it seems that travel opportunities are fast climbing to the top of the list.

Three years ago, I wrote a column on travel scams and “Becoming A Travel Agent” was in the top five. Unfortunately, things have not changed.

Each month, I get 10 or 12 emails inviting me to participate in some new travel scheme. Very few, if any, are legitimate. Consumers deceived by these ads have lost thousands of dollars, in addition to their time and energy.

Some are “travel clubs” where you pay a membership fee for “discounted” travel, but I would like to focus on the new scourge of the industry — the “Business Opportunity.”





06/04/2017

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