LV Liverpool Victoria – Car, Home, Pet, Travel – Life Insurance,

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05/06/2018

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Travel Insurance, Travel Insurance in Australia, Chubb AU, travel life insurance.#Travel

travel life insurance

Single-Trip: maximum 183 days.

Annual Multi-Trip Plan: maximum 90 days per trip for an unlimited number of trips within the Period of Insurance.

You must be a Singapore resident in Singapore at the time you apply for this insurance.

Just Me / Group of Individuals: Cover at least 1 insured person to a maximum of 6 insured person, aged 18 years old and above.

Me and My Family: A maximum of 2 adults who need not be related and any number of Child(ren).

Child(ren): must be unmarried, unemployed and aged between 45 days old and 18 years old or 23 years old if studying full time in a tertiary institution.

Me and My Family: Main insured person, his/her Partner and their Children.

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Return of Mortal Remains

Cover for expenses for services provided or arranged by Chubb Assistance for the transportation of Your mortal remains to Your Home or another place in Australia as nominated by the legal representative of Your estate. Please read the Combined Product Disclosure Statement PDS and Policy Wordings for full terms, conditions and exclusions

Accidental Loss of Life

Medical Expenses Overseas

Medical Expenses Overseas

Medical Expenses Overseas

Medical Expenses Overseas

Overseas Medical and Accidental Dental Expenses

Loss of Deposit and Cancellation Charges

Luggage and Travel Documents

Replacement of Money

Rental Vehicle Excess

Maximum total days per trip

Medical Expenses Overseas

Cover in the Event an Accidental Injury results in Your Accidental Loss of Life. A sub-limit applies for Children. Please read the Combined Product Disclosure Statement PDS and Policy Wordings for full terms, conditions and exclusions

Accidental Loss of Life

Cover for Your baggage and personal effects (excluding Travel Documents and Money) when they are lost, stolen or damaged. Per item limits apply. Please read the Combined Product Disclosure Statement PDS and Policy Wordings for full terms, conditions and exclusions

Accidental Loss of Life

Cover for Medical Expenses incurred Overseas as a direct result of Accidental Injury or Sickness and Dental Expenses ($2,500) incurred Overseas as a direct result of Accidental Injury. Please read the Combined Product Disclosure Statement PDS and Policy Wordings for full terms, conditions and exclusions

Cover for Your Cancellation Expenses when it is necessary for You to cancel or postpone Your Trip due to specified reasons. Please read the Combined Product Disclosure Statement PDS and Policy Wordings for full terms, conditions and exclusions

Cover for compensation that You become legally liable to pay due to Your negligence resulting in either physical damage to someone else s tangible property or the bodily injury or death of someone else. Please read the Combined Product Disclosure Statement PDS and Policy Wordings for full terms, conditions and exclusions

Travelling Overseas? Take advantage of unlimited mobile Wi-Fi with our free 7-Day Chubb Connect Wi-Fi Hotspot App.

You must purchase an eligible Chubb Travel Insurance policy to qualify for a free 7-day trial





28/02/2018

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Vacation Rental Travel Insurance – CSA Travel Protection, travel life insurance.#Travel

Vacation Rental Insurance

Get a Free Quote

Travel life insurance

Before You Go

Unable to travel because you’re sick? Kids making up their snow days on the first day of family vacation? No problem! Trip Cancellation coverage keeps you from losing your vacation savings if you need to cancel for a covered reason. Want to plan additional activities before you get there? Our Concierge Services can help you make restaurant reservations, order flowers, arrange tee times and more at your request.

During Your Vacation

Even when everything goes right, vacations can be a stressful time: making flights, renting cars, traveling with young children, finding activities . the last thing you need is something to go wrong. But if it does, CSA Vacation Rental Insurance can help you keep your cool. With coverage for Baggage Delay, Emergency Assistance and Transportation, Trip Interruption and more, you can focus on the more important things. Our designated assistance provider can even help with the smaller issues that can plague travelers, such as medical referral and replacement of medication or eyeglasses.

After You’re Home

At CSA we strive to keep our claims process as hassle-free as possible. You will have a dedicated claims representative working with you from start to finish, making sure you receive the responsive, friendly service you need. As identity theft can be a bigger concern while traveling, Identity Theft Resolution Services are included and offer you six months of service after your scheduled departure date.

Customer Service (866) 999-4018

Copyright 2017 CSA Travel Protection , Company Code: 805-93, Approval Code: B030_14_12

This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.

Plans are available to residents of the United States. Benefits and services are described on a general basis. Certain terms and conditions may apply. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. For questions or complete information on policy benefits, limits and exclusions, please contact CSA at (866) 999-4018 or https://www.vacationrentalinsurance.com/certpolicyold.do?pclass=w for a sample Description of Coverage or Insurance Policy for this plan.

Travel life insurance These plans are administered by CSA Travel Protection and Insurance Services. Services are provided through CSA’s designated providers. Travel Insurance is Underwritten by: Generali U.S. Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) under Policy/Certificate Form series T001. California is Underwritten by Generali Assicurazioni Generali S.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali U.S. Branch, Oregon is Underwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste Venice, and Virginia is Underwritten by The General Insurance Company of Trieste and Venice U.S. Branch.





27/02/2018

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Medical Travel Insurance – Over 5, 000 Medical Conditions Covered, travel

Medical Travel Insurance from Insurancewith

It can be difficult to travel abroad with a medical condition and dependent on your health, you’ll likely need to consider transport, accommodation and in particular the region or climate you’ll be travelling to. With that said, why make securing insurance for your holiday more difficult than it needs to be?

Insurancewith was first created after founder, Fiona Macrae, was diagnosed with breast cancer in 2005. After treatment, Fiona was astonished at how difficult it was to find travel insurance for a holiday she desperately needed. Fiona knew there was an opportunity to help people get sensibly priced cover – whether they had a form of cancer or any another medical condition.

As such, with Insurancewith you can take advantage of the following benefits:

  • Award winning travel insurance
  • Hundreds of medical conditions covered
  • Bespoke medical screening
  • 24/7 emergency medical helpline
  • Discounts for couples, families and single parent families
  • Kids go FREE on our family policies
  • 14 day cooling off period
  • And much more

Other insurance companies may pigeon-hole patients into a set bracket, depending on the medical condition. However, at Insurancewith we take each customer on a case-by-case basis. This means we’re able to offer fair and affordable premiums for everyone looking for travel insurance with a medical condition.

We regularly help patients with all manner of conditions, from potentially terminal illnesses such as cancer and heart disease, to the more manageable conditions including diabetes and asthma.

If you’re looking to arrange travel insurance with a medical condition, speak to Insurancewith today. We’d love to help you arrange the perfect cover, so get a quote online and find out how much you will save.

“Thank you so much for your tremendous service”

“Our trip was problem free”

Medical Travel Insurance FAQs

You know travel insurance is a necessity to enjoy your holiday stress and hassle-free, but do you know all the facts? Take a look at some of our frequently asked questions, and don’t forget to get in touch if you have any other pressing issues or concerns.

Why do you need travel insurance?

It’s wise to arrange travel insurance whether you have a medical condition or not. This gives you the peace of mind that if something goes wrong, you won’t have to fork out thousands of pounds to cover excessive medical costs.

And it’s not just the medical expenses themselves which are covered. For instance, the cost of flights home and the cancellation of your hotel reservations are also taken into account. These prices can quickly escalate, so make sure you’re fully insured to avoid problems later down the line.

What is a medical screening and why do I need one?

Medical screenings are carried out by our team of trained professionals, to ensure you receive a personalised quote based on our own assessment. This can help you save quite a bit of money on the policy. You can fill out our online form, or carry out the screening over the phone if this would be easier.

Can I buy travel insurance online?

Yes, you can. You don’t have to call us if you don’t want to, and can complete the online form from the comfort of your own home. Simply answer the questions honestly and to the best of your knowledge – you can always speak to your GP or medical practice if necessary to get a little extra information.

Will I be covered for any pre-existing medical conditions?

At Insurancewith we try to accommodate to every medical condition and provide a personal quote based on your situation. In fact, our policies are created by people who have experienced the same conditions that we cover.

Of course, sometimes it’s a little more difficult to arrange cover, but we’ll do our best and work with you to ensure a policy that’s fair and accurately reflects your condition.

I already have travel insurance, but have since been diagnosed with a medical condition. What now?

If you decide to cancel the trip after being diagnosed with a new medical condition, you’ll need to provide evidence from your doctor stating you’re not fit to travel. You should then be covered under the cancellation clause of your contract.

However, if you decide to go ahead with the trip as planned, things do get a little more complicated. You should remember, we will not be able to pay any claims when anyone has travelled:

  • Against the advice of a doctor
  • If they know they’ll need treatment while on the holiday
  • If their condition is terminal (unless it has been declared to us and we have accepted)
  • If they are awaiting test results from the hospital

If you travel under any of the circumstances above, your insurance may become void if you need to make a claim.

Can I have a policy if I have a terminal condition?

Yes, Insurancewith will consider offering cover for any terminal condition. You will need to go through the online quote process or give us a call to allow us to assess your individual situation in order for us to provide you with a policy.

What happens if I cancel my trip due to bad health?

As we briefly mentioned above, if you can provide evidence from your doctor that you’re unfit to take a trip (and provided you are cancelling either because of an existing condition that you have told us about, or the onset of something that was sudden and unforeseen), you shouldn’t suffer financially. If you have proof, you’ll be covered for the cancellation and should receive most of the money back.

Why choose Insurancewith?

At Insurancewith, many of our policies are created by people with medical conditions they’ve found notoriously difficult to get cover for. As such, we’ve tried to address the issues they found when attempting to take out travel insurance.

We understand that travelling can be more stressful and overwhelming than usual for those with a medical condition. However, by planning ahead you can minimise the chance of things not going to plan.

  • Consider your needs and requirements for every stage of the holiday – from before you go, to your journey, accommodation, medication, transport and journey home. You can then organise extra help and assistance if necessary.
  • Always discuss any travel plans with your GP or consultant before you book, as they can advise you on treatment plans, emergencies and any vaccinations you might need.
  • If you’re currently receiving treatment or have started taking a new medication before you leave, it’s worth speaking to your GP for clarification.
  • Make sure you research the local medical facilities. Even though some countries may be visually beautiful, their medical facilities could leave a lot to be desired. Ensure there’s a hospital nearby and it’s able to deal with your condition should a serious emergency arise.

For more information on arranging travel insurance with a medical condition, get your quote today from the Insurancewith team. You can call us today on 0203 829 3875.

However, at Insurancewith we treat you as a individual and ask relevant questions to get an accurate assessment of your unique situation.

We donate £1 to one of our supported charites for every policy sold

Travel life insurance

insurance with is rated 4.7 / 5 based on 26 customer reviews

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09/01/2018

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LV Liverpool Victoria – Car, Home, Pet, Travel – Life Insurance,

Travel life insurance

5 Star rated cover from the UK’s Most

Travel life insurance

Home insurance

Travel life insurance

Travel insurance

Travel life insurance

Life insurance

Travel life insurance

Pension specialists

Travel life insurance

Our awards and recognition

Travel life insurance

Which?

Which? Insurance provider of

Travel life insurance

Defaqto

See which products Defaqto

have awarded a 5 Star Rating

Travel life insurance

YouGov

Travel life insurance

Reevoo

Good value, great values

Travel life insurance

We’re a modern financial services business where everything we do revolves around creating value for our members. We’re committed to offering affordable, relevant and well-designed products but not at the expense of doing the right thing and living by our strong mutual and ethical values.

Other products

Travel life insurance

Travel life insurance

Travel life insurance

Travel life insurance

Travel life insurance

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09/01/2018

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The Best Rental Car Deals for Road Trips: Money Smart Life

#best deals on rental cars
#

The Best Rental Car Deals for Road Trips

August 3, 2011

Rental car deals are in high demand with many travelers expecting higher air fare costs this summer. Some of those travelers will forge on, willing to pay the higher price to get to their dream destination. But with many Americans still unemployed or just recently having found new employment the high price of flying may cause them to consider vacations closer to home and send them in search of rental car discounts.

Taking a regional road trip in a rental car doesn t have to break the bank, especially when compared with flying across the country. Instead of increasing your maintenance costs or worrying if your car can survive a road trip, you borrow the rental agency s car for a known cost and call it a day. If the car has maintenance problems that weren t caused by an accident, it s not your problem. They ll swap you out into a new car and get you going.

Tips for Saving on Rental Cars

Renting a car can also get pretty expensive, but not if you know how to look for the best deals. Use the following tips to maximize your savings on rental cars. I worked in the rental industry for about a year and this is how I would go about getting the best deal.

Finding the Best Deal

There is no one best way to find the best deal on rental cars, but knowledge is power. Things you need to know:

What s the business model? Rental car agencies go after different types of business. Some focus on repair work while your car is in the shop. Others focus on business travelers and only have airport locations. Knowing the company s business model will help you determine their down times. You can get a better deal during slow periods when they have a lot of extra cars on hand.

  • For example, Enterprise has thousands of locations across the country. They focus on being in your neighborhood and deal with a lot of insurance and car repair rentals. That means their cars are in high demand Monday through Friday. On Friday the body shops finish up, and the agency has extra inventory over the weekend. You can get amazing deals on the weekend. More on this in a moment.

What s in demand? During the summer months the most in demand vehicles are SUVs and minivans. This is especially true around holidays like Memorial Day or the 4th of July. You ll need to book well in advance or risk missing out.

Know the car sizes. Check out the company s website and be familiar with their car classes. Booking a smaller vehicle will save you money, but don t be surprised if it is really small.

Check Online Specials First

The internet is one of the best places to find widely advertised deals on rental cars. Check all of the popular agency s websites first. You know these deals are legitimate because it is coming straight from the source. Follow that up with a check of large travel aggregation websites like Kayak. They ll be able to spot some of the secret or less advertised deals that you can t find without a lot of extra work.

For example, say Enterprise has their $9.99 weekend special going. You can pay as little as $10 per day for three days, and get 300 total miles to use on your rental for a compact size car. That s a 60% discount off the regular rental price of $24.99 in my area. A full size car can be had for $19.99 per day that s 43% off the regular price of $34.99.

Budget has a similar deal. They offer $5 off for every weekend day you have a rental. A 3 day rental (Friday to Monday) would have $15 knocked off the final price. How can they afford to do this? Again, they have a lot of inventory on the weekends. Having vehicles on the road for as little as $30 in revenue is better than having the cars sit on the lot for $0 in revenue.

One way to make the deal even sweeter is to use a rental car credit card that offers rewards or discounts when you reserve your car online. Just be aware that not all deals can be combined so you might not be able to use the credit card discount along with an advertised special.

Pick Up the Phone

Pick up the phone and call your local branch. Have their website pulled up and know what discounts they are currently offering. Let them know of your plans, and have them walk you through the best deal they can offer. When they re done telling you the price, tell them that s not low enough or ask if there is anything they can do to get you to reserve the car today. They may be able to find a discount to put on your rental to drop the price down a bit. Talking to a live human being that works at your local branch gives you an advantage over computer systems.

Book with Travel Partners

You can also try booking with travel partners. If you re booking a hotel room you may be able to get a package deal with one of their preferred car rental agencies.

Negotiate at the Counter

You have negotiating leverage. Unlike hotel reservations, many rental agencies do not charge you for not showing up for your reservation. Once you are there they want to make sure you leave happy. You can book a lower class vehicle and try to negotiate your way into a larger vehicle at a discounted price.

In fact, the representative behind the counter may try to do convince you first. Many companies will run up-sell competitions and rewards their reps for selling you from a smaller vehicle class into something bigger, even if it isn t at full price. They re getting more revenue for having your reservation out on the road. You can also try asking for discounts based on:

  • The rate your insurance company gets (which is much, much cheaper than retail). You likely won t get the full discount, but they may knock the price off a bit.
  • Memberships you have (AAA, AARP, etc.)
  • Your company s corporate discount

Granted, this only works when the company has a lot of excess inventory sitting on the car lot. You won t find much negotiating room if you re renting their next to last car. If they don t rent to you they ll find another customer to put into that car.

Consider Gas Mileage

With gas nearing or over $4 per gallon in many parts of the country, be sure to check on gas mileage first. Taking 4 friends on a road trip to the beach? Riding in style in a massive SUV may seem great, but you ll be guzzling gas the whole way (along with paying higher rental costs in the first place). Those 4 people would easily fit into a standard or full size car, saving you money on gas and rental charges.

Document the Car s Condition

Make sure you document the car s condition very well. Renting cars happens very fast. There is important paperwork you sign, including an agreed upon condition of the car. If you don t mark any of the current damage (knicks, dings, dents) on the contract you may be held liable for them when you return the vehicle. Read the fine print on the rental car insurance and make sure you understand what s covered and what s not. In this technology covered age I would recommend taking photos or a video of the walk around on the car on your smartphone or camera. It will help defuse any situations that pop up when you return the car.

Last updated by Kevin .





30/11/2017

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Travel insurance – International travel health and life insurance quotes made

#travel life insurance
#

International Trip, Travel, Medical Life Insurance

We offer the Web’s ONLY Intuitive Plan Comparison Tool

I have used other major quoting sites online to research what programs are available to my situation. eTravelInsuranceQuotes.com is the ONLY site that, in my opion, quickly and easily displayed a simple cross section of insurance programs by simply answering a few online questions –WOW, how simple! It made me feel secure in knowing I wouldn’t select the wrong program for my needs. All the extra nonesense plans were eliminated, making it easier to compare just a few top options compared to 100’s. the site is awesome !

— Bernadette Meyers, Ocala FL

Our eGlobal IQ Tool TM is NOT just a Quoting Engine that regurgitates 100’s of potentially unrelated plan results.

We devised a tool that asks a few critical questions and then suggests the TOP 5 plans that are logical, appropriate choices !

We present the results to you, our client, knowing we have pre-qualified your specific needs based on actual eligibility and certain underwriting guidelines.

Comparing plans between carriers is never truely an apple to apple comparison. This is why we feel confident you’ll find the eTravel IQ approach to researching insurance programs on the Web the best approach.

Additionally. we are standing by to assist by phone, email or LiveChat.

Extraordinary Global Service is our Goal TM





12/11/2017

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The life and times of Southall #cheapest #airfares

#south hall travel
#

Time for a change I think.

When I initially set out on my Afritrex expedition at the end of December 2007 I’d decided that setting up a blog would be a fantastic way for my friends and family to keep up-to-date with my experiences and to follow my progress around the African continent.

Since then blogs and blogging applications, widgets, add- ons etc have moved on in leaps and bounds and it’s now possible to add posts by text, video or speech, through your desktop machine, laptop or iPhone.

With the help of my web-guru Ben Patterson, I’ve decided to design and build a new blog which will become my record of exactly what the job of Island Caretaker involves, some behind the scenes snippets and a blog of what the next six months of my life will be all about.

There will be future updates to this page every so often but for now I’ll be concentrating on my new web-blog which can be found at:

With only three days to go until I fly back out to Australia every second is busy with planning, building content for this new site and preparing for the adventure ahead. If you’ve been following my exploits over the past few days, months or years then please continue to do so by altering your bookmarks right now!





10/11/2017

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Term Life Insurance Ages 40, 45, 50, 55 & 65 #year


#

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Term Life Insurance Rates by Age

Term life insurance rates are greatly affected by your age. It s easy for an insurance agent to tell you that it s in your best interest to buy a policy while you re still young, but what are the real advantages to doing such a thing? You need to look at your current age, your level of health and the term of your policy to determine what your rate is going to be.

When you opt for term life insurance, you are determining how long you want a life insurance valid for. Unlike whole life insurance, you must decide on a term. This will vary from 5 to 35 years. The term you choose will be based on how old you are, what your financial situation is and what your ultimate goals are. Trying to get low insurance rates will be impacted by the term you ultimately select.

Why Age Matters with Term Life

Since most companies only allow you to choose a term up to 35 years, you must be very cognizant of how your age affects your policy. If you choose a 30 year policy when you are 30, you re going to be covered until the age of 60. Most like insurance companies will likely provide you with an affordable policy for a few reasons.

These reasons include:

– Low risk of filing a claim

Generally speaking, the younger you are, the healthier you are. Insurance companies look at this when determining what they will charge for the insurance premium. Those who are in good health are likely to remain in good health for a number of years. This means there is a significantly reduced risk of filing a claim that an insurance company would have to pay out. Obviously, age is not all the insurance companies will evaluate. They also look at your medical records and family history, what your height and weight is in order to determine whether or not you are overweight or obese. as that can cause many health conditions, such as sleep apnea. diabetes, and pulmonary embolisms. as well as activities you engage in, in order to assess whether you participate in hazardous sports like scuba diving, rock climbing, or sky diving.

It s important to note that a term life insurance policy is only valid for the term selected. If the term expires and you are still alive, the policy is null and void and you no longer have life insurance on yourself. About 90 percent of all term policies are never paid out.

This is why it s important to consider age with a term policy.

Goals are also important to consider. If the goal is to have a policy in place for your death to protect your loved ones financially and provide coverage for final resting expenses, then the term needs to go until you think you will no longer be around. You can use life expectancy charts for your state and your nationality to help you with this.

If the goal is to protect you in the event that you have a premature death and you just want to get through to retirement, then your term is going to change drastically. If you plan on retiring at 65, you want to choose a term that will get you to that point. The likelihood of finding an affordable policy is also great because most insurance companies don t get claims.

Comparing Rates by Age

Insurance companies look at age as a way of deciding on the cost of a premium. There is a significant difference in cost between what a policy will cost a healthy 35-year-old and a healthy 45-year-old. It all comes down to life expectancy and the likelihood of an insurance company having to pay a claim. When a term policy takes a person past the age of 65, when health problems and death are greater factors, the cost of the policy goes up with your assessed high risk .

Making online comparisons will prove this point. You can enter your ZIP code and basic information onto the website to see rate quotes from multiple companies. Use your current age when you re getting the quotes to see what you would pay.

Now, do all of the quotes again, but this time, create the information so that you are 10 years older than you really are. If you were born in 1962, say you were born in 1952. You will see how much more expensive the quotes are because you are older and therefore more likely to have health problems. For instance:

Male Age 50 Born in 1962

Male Age 60 Born in 1952

As you can see the rate increased by almost 3 times during that 10 year period, and that is with no reported health conditions. If you are being treated for medical conditions by age 60 that rate can continue to multiply.

The amount of insurance you are looking to purchase will impact the rates substantially as well. If you are looking to purchase a large amount of life insurance, for example to pay off your estate tax with life insuranc e, and provide your heirs with the necessary means to pay off your existing debt take a look how those rates can change.

Comparing Rates by Company

Every insurance company has a slightly different formula when it comes to quoting term life insurance policies. It is in your best interest to find out what all of the major insurance companies are going to quote you before you decide on one company s policy.

There s no need to go to each individual company s website. You can enter your basic information on a single website and get quotes from all the companies. This makes it easy to make comparisons between each of them to see where the best deals are.

Companies will be different based on the claims they have had in the past. If a company has had to pay out a lot of term life claims, they will likely be more expensive. Some companies will also put a higher emphasis on the amount of the term, the health of the person as well as the age of the person.

Term life will be affected by your age, and whether or not you participate in higher risk activities. A fee will added to those who are scuba divers. sky divers, and rock climbers. When you make comparisons, it will be easier for you to get the best premium based on your current age and the term you select.

Our Philosophy

Give the consumer unbiased, objective information on their life insurance needs. Our primary goal is to inform the consumer and not just quote them misleading rates.

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11/10/2017

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New Hampshire Insurance Department – For Producers #nh #department #of #insurance,


#

  • Approved Pre-Licensing Courses for Adjusters
    • The NH Insurance Department does not provide study materials, cannot recommend any supplier of study materials and does not evaluate the quality of any training course or study material. The following businesses have advised us they may have training or study materials that you can purchase. The taking of a course alone does not guarantee that an individual will pass a licensing exam, it merely is another tool available for an individual to use to prepare for the test itself.

    License Examinations Prometric

  • Apply Online (Pay by credit card or electronic check), Residents must pass adjusters examination.
  • License Application
  • License Fees
  • Insufficient Funds Policy
  • The 2016 Adjuster renewal period (August 2nd – October 1st) has been closed. Failure to renew by 10/1/16 will require a new application and 2X the renewal fee. Proceed to reinstatements .
  • Licensing Fees
  • Continuing Education Requirements

Effective January 2015 the department will send out courtesy renewal reminders by email only. Notices will be sent approximately 60 days prior to your license expiration. The department will no longer mail notifications. It is imperative that email addresses be kept up to date with this department.

NON RECEIPT OF AN EMAIL REMINDER DOES NOT NEGATE YOUR RESPONSIBILITY TO RENEW YOUR LICENSE.

E Mail Maintenance

Reinstatement of License within two years of expiration

  • Resident Reinstatement
  • Continuing Education requirements must be met
  • Apply Online (Pay by credit card or electronic check)
  • Alternative paper application must be completed.
  • If two years has elapsed since expiration, new application fee of $75 applies
  • Adding a Line of Authority: Requires a new application and a $50.00 fee. Must pass appropriate exam.
  • Apply Online (Pay by credit card or electronic check), Residents must pass adjusters examination
  • Deleting a Line of Authority: Make request in writing and include the $50.00 fee.

NOTICE – Non-Resident Adjuster Licensing Continuing Education

License Examinations for non-residents that do not qualify above or reside in a state that does not license adjusters and wish to DESIGNATE NH as their HOME STATE – Prometric

Non-residents must have a license in their home state or 6 months verifiable experience as an adjuster.

  • Apply online if you hold a license in your resident state or designated home state.
  • Apply online if you DO NOT hold a license in your resident State – Non-Residents may apply on Line if you DO NOT hold an adjuster license in your resident state but meet our requirement of 6 months experience as an adjuster (an alternative to taking the NH Exam).
    NOTE: Upon entering your SSN and last name, the system will search for a qualifying exam. You will receive a message that you have not taken a qualifying exam. Continue to apply by selecting the Apply for a License .
  • ONLINE applications are strongly encouraged. Alternative Paper License Application
  • License Fees
  • Insufficient Funds Policy

The 2016 Adjuster renewal period ( August 2, 2016 to October 1, 2016) has been closed. Failure to renew by 10/1/16 will require a new application and 2X the renewal fee. Proceed to Reinstatements.

Effective January 2015 the department will send out courtesy renewal reminders by email only. Notices will be sent approximately 60 days prior to your license expiration. The department will no longer mail notifications. It is imperative that email addresses be kept up to date with this department.

NON RECEIPT OF AN EMAIL REMINDER DOES NOT NEGATE YOUR RESPONSIBILITY TO RENEW YOUR LICENSE.

E Mail Maintenance

Reinstatement of License within two years of expiration

  • Non-residents with NH as their designated home state must be CE compliant to reinstate
  • Non-Resident Reinstatement
  • Per RSA 400A:29 fee for reinstatement $150
  • Alternative Paper application
  • If two years has elapsed since expiration, new application fee of $75 applies.
  • Apply Online if you hold a license in your resident state or designated home state
  • Adding a Line of Authority: Requires a new application and a $50.00 fee. Must meet eligibility requirements.
  • Apply online if you hold a license in your resident state
  • Deleting a Line of Authority: Make request in writing and include the $50.00 fee.

New Hampshire Insurance Department – For Producers/Adjusters, Adjusters Licenses***Temporary/Emergency/Catastrophe Adjuster Licenses***

Temporary/Emergency/Catastrophe licenses will be issued upon a declaration of a State of Emergency by the Governor. The Commissioner can also issue Temporary/Emergency/Catastrophe licenses if the Commissioner determines there is an emergency or disaster that requires the temporary licensing of adjusters pursuant to RSA 402-B:11.

Apply online if you hold an adjuster license in your resident state or designated home state.

Apply online if you DO NOT hold a license in your resident State – Non-Residents may apply on Line if you DO NOT hold an adjuster license in your resident state but meet our requirement of 6 months experience as an adjuster (an alternative to taking the NH Exam).
NOTE: Upon entering your SSN and last name, the system will search for a qualifying exam. You will receive a message that you have not taken a qualifying exam. Continue to apply by selecting the Apply for a License .

Alternative paper Adjuster Application and mail or hand-deliver it to the Department. Indicate on the application that it is for an Emergency License.

Applicants must be licensed in another state or have 6 months adjusting experience.

To verify and print license, select LICENSE STATUS on our homepage.

License will be processed immediately upon receipt and, if otherwise qualified, the license will be approved.

Licensing fee must be received prior to license issue.

Please Contact the Licensing Division With Any Questions.


10/10/2017

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Life Insurance Plan – International Term Life #no1 #travel

#travel life insurance
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International Term Life Insurance

In terms of business partnerships, trade opportunities, and merging companies, the world gets smaller everyday. This means that your clients travel more and more frequently and therefore International Life Insurance protection is increasingly important.

Unexpected complications, not covered by traditional insurance carriers, can occur while traveling or living abroad. Petersen International Underwriters has developed the International Term Life Insurance Plan to make sure your clients are covered in case misfortune strikes while they are residing outside their home country.

Take The Case Of

An individual who is planning on serving as a missionary for the next three years in Southeast Asia. The missionary is looking for $500,000 of coverage for estate planning and for loss of future income for their dependents. Therefore Petersen International Underwriters could offer a three year policy term to cover the time they will be out of the U.S.

As traveling abroad becomes progressively more common the necessity for international life insurance grows. PIU’s International Term Life Insurance will protect your clients and their loved ones or business no matter where in the world they travel.





04/10/2017

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Cords: Emotional connections between individuals #metaphysics, #alchemy, #spiritual #awakening, #spiritual #transformation,


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Cords are made of astral and etheric energy and connect two people�s subtle bodies. They stretch between two people very much like an umbilical cord and transfer emotional energy and chi between the two. It does not matter how far away the other person is, as the cord is not a physical substance and distance is irrelevant, so it is still effective from the other side of the planet.

All babies have a cord going from their belly to their mother after the physical umbilical cord is cut. Some may have extra cords going from the heart, solar plexus or even the head to various parts of the mother�s energy body. The cord or cords that exist during infancy last for a few years and gradually drop off as the child becomes more independent from the mother and does not need the connection any more. Well ideally this would be the case, but here on Earth so many people have emotional issues that very often the cords can last well into adulthood. The cord is supposed to be there to support the baby but in actuality many mothers are emotionally needy and actually use the cord to nourish themselves from the baby�s fresh and abundant energy. Of course this is subconscious and the mother is not really meaning to do this. The baby is usually quite aware of what is happening and will even give the mother extra energy and emotional support through the cord at will. The baby is a very pure and loving being at this stage with only a small amount of astral incarnation and very little ego structure so they want to do all they can for the mother.

Unfortunately as the baby grows up it gradually loses its perception of such metaphysical things and so forgets about the cord. The transfer of emotional energy becomes subconscious for the child as well as the mother and continues to operate for possibly a very long time. Cords between mother and child that last for prolonged periods often cause serious friction between the two parties leading to dysfunctional feelings toward each other. The relationship will suffer as there is bound to be resentment and negative feelings. Imagine you have been drained of energy by your mother for 30 years through a cord that has become thick and gross with negative emotions and emotional neediness. You do not know exactly what is happening but you sense that somehow you are being drained by her. You move to another country to get away but wherever you go it almost feels like she is there with you – she is draining you from afar. This situation is just an example; there are many ways to interact through a cord.

Another common cord is between two lovers. Each wants to share their energy with the other and during sex this is amplified greatly. The feelings of love and sharing are often enough to build a cord. Often these cords are between the bellies but can be in other areas like the heart or solar plexus, etc. So when two people have been in an emotional relationship for a time there is a good chance that the two people have a cord. Depending on the emotional issues of the two, the cord can become gross or can stay fairly clean and be a good thing which helps the two with emotional nurturing. If one partner is needy it is likely that they will drain the other which could eventually lead to resentment by the drained partner. Some cords that become too gross can cause serious problems for a couple and could certainly lead to a break-up. Clearing a cord can help alleviate the emotional intensity so the couple can progress to a more balanced relationship. If a breakup does occur, the cord may stay for a long time and continue to operate, making it hard to let go and to move on with another partner. In this case clearing the cord can do wonders.

Cords can be created between any two people or even groups of people that have emotional relationships. Friends, workmates, enemies can all have cords. They can be used by entities and other dimensional beings to connect with us and drain our energy. It is possible to send a cord to someone you don’t know if you really want to get to know them. For example say you fall in love with someone but have not yet talked to them. It is possible that your desire to have them may send a cord into their energy. It is also possible to consciously create a cord to another person but this is in the domain of black magic. You should never use psychic means to purposely control or affect another�s energy without their permission. There are no exemptions from this rule and the karmic repercussions are enormous!

There are many types but whatever the case a cord is basically a connection between the astral and etheric bodies of two or more beings which allows for an exchange of emotional and/or etheric energy.

Fortunately all cords can be cleared fairly easily. It only takes one of the people to clear the cord and it will be cleared from the other. Through the practices learned in Past Life – Regression you can become aware of all your cords and learn to clear them. Interestingly while exploring a cord you can remember when and how it was created, how you felt about it and how it has been operating while it was there. Often cords can be seen and felt very tangibly and their effects become very apparent. As you enter the subconscious through the Third Eye you can actually remember what was happening in your subconscious during any part of your life. These can be excellent lessons in self exploration. See www.pastlife regression.com

The Meditation Solution Audio Technology

Past Life Regression

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02/10/2017

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Life Insurance for Seniors #senior #life #insurance #quote


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Life Insurance for Seniors Get Coverage Now

In many ways, being a senior is as much or more stressful than at other times in our lives. We will explore some of the questions asked most often by seniors about life insurance for seniors. Some seniors are convinced life insurance at their age either is either not available or very expensive. Let s dispel some common myths and answer some of the nagging questions you may have. You will hopefully get some peace of mind about insurance and be able to determine what to look for.

Senior Life Insurance Is Too Difficult or Too Expensive to Get

This is one of the concerns most frequently mentioned by seniors have about life insurance. First, your age and even your health should never be obstacles to getting the coverage you need. There are many good policies you can get at any age or state of health.

There are many companies willing to provide coverage and policy types that are both readily available and priced to fit nearly everyone’s pocketbook. Some companies even offer senior discounts on all kinds of policies designed for seniors. This is one concern you can remove from your list now – you CAN get life insurance.

Are My Final Expenses Covered without Senior Life Insurance?

An average funeral costs $10,000-$20,000 in the U.S. today. So that these costs are taken care of and to avoid burdening family and loved ones with these expenses, many seniors choose to secure senior life insurance that covers these costs.

Another way to handle these expenses is to allocate part of an existing policy may have to distribute the funds necessary for these expenses. Other possible options include having a cash value or permanent policy. These kinds of policies can be secured when you retire and be dedicated to this specific purpose.

Many seniors with insufficient assets or life insurance already in place often choose to make sure these costs are covered by applying for a universal or whole life policy. These policies are popular with seniors and there are many insurance companies that offer them at discounted rates for seniors. Many even have provisions that have few or even no medical examination requirements as conditions for approval.

Senior Life Insurance Policies Can Allow You to Build a Legacy

A few of the wealthiest families in America built fortunes and estates spanning numerous generations using the proceeds from life insurance policies. For just a few cents on the dollar, a life policy can be instrumental in creating a noteworthy estate for your heirs or assigns.

The funds can be combined with other assets that you have accumulated during your life. Using this approach, a far more considerable estate can be created, rather than needing to treat each asset individually.

The use of funds can be utilized to take care of your final expenses, to fund a contribution to a preferred charity, or for the expressed purpose of creating a family legacy. For any of these causes, a whole or term life policy is a superior choice to make these outcomes realities for seniors.

A reasonable amount of time should be spent to evaluate which type of life insurance is the best vehicle to use in achieving your objectives and wishes. Additionally, your risk tolerance, income, total assets, expenses and mortality rate are all factors that need to be considered when making a decision about your best options for life insurance as a senior.

Always Weigh the Benefits and Costs of Life Insurance for Seniors

It is always to your benefit to review several rate quotes and plans from selected insurers before deciding. If you are already covered by a life insurance policy, discuss your options with them before doing business with another company or setting up another policy.

Talk candidly with a representative about how you may be able to increase or modify your existing coverage. It is possible they may offer to furnish the additional coverage without a medical exam or for only a small premium. Talk with trusted friends and family members to gain insights about the kinds of policies they have.

You can obtain firsthand information about the kinds of services offered by other companies this way. It is crucial to gain good information about other companies because all life insurance companies do not have acceptable reputations. Some companies will be more senior-friendly than others.

Check the references of the companies you are considering and base your choice on good information. Consider becoming a member of a senior group or organization that can assist you with great recommendations about these choices. Some of these organizations and groups offer life insurance plans for their membership group and offer fantastic savings on all kinds of life insurance policies.

Are you Ready to Save 73%+ on Senior Life Insurance?


01/10/2017

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Midland Car Insurance Agents #midland, #texas #insurance #agents, #midland, #texas #auto


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Car Insurance Agents in Midland, TX

Find a Nationwide Insurance Agent in Midland, Texas

Nationwide auto insurance

Even with Midland’s vaunted public transit system, it’s all but impossible to enjoy all the city has to offer without a private use vehicle. Whether it’s a car, motorcycle, or truck, you can get dependable auto insurance coverage with Nationwide. Talk to one of our Midland auto insurance agents about the right coverage for your vehicle(s) and household, and discover how Nationwide has earned its 95 member satisfaction rating.

Nationwide homeowners insurance

Whether you live in one of Midland’s urban, suburban, or exurban neighborhoods, there’s no escaping Texas’s inclement weather and the related dangers that come with summer, winter, and every season. Talk to one of our Midland home insurance agents about the hazards that are covered in a standard policy and what supplemental coverage options make sense for your property, dwelling, and belongings. This includes exclusive products only available from Nationwide, like Brand New Belongings and Better Roof Replacement .

Nationwide life insurance

Ever since Midland founding it has been home to people with different lifestyles, family plans, and financial priorities. The city is proud of the continually increasing standard of living that has been achieved through generations of hard work and innovation. Let one of our Midland life insurance agents walk you through the different types of insurance, the right payout amounts, and other policy choices that make sense for your loved ones.

Nationwide business insurance

When it comes to protecting the gains made through hard work and innovation, Nationwide also offers a versatile selection of commercial insurance products for Midland’s businesses. Whether it’s professional services, consumer retail, or B2B contracting, whether your company sits on a busy storefront or it conducts its business completely online, our Midland business insurance agents can help you choose coverage.

Personalized Quotes and Insurance Coverage

Our online tool is a great way to explore your costs and policy options. Just tell us your zip and answer a few questions. You can then buy a policy directly online, but you can also talk to one of our Midland insurance agents at any point during the process.


30/09/2017

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Cloud Computing Options #insurance #software,insurance #agency #management #software,insurance #billing #software,insurance #agency


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“Cloud” Computing and Thin Client Solutions

As we find ourselves in an increasingly fast-paced and mobile world, our dependency on technology to provide real-time access to information increases as well. One of the most utilitarian advancements of technology towards this end has been the advent of thin client or ‘Cloud’ based computing systems.

In a nutshell: A thin client solution allows a computing device (PC, IPad, IPhone, Android device – aka the ‘client’) to ‘dial in’ to the desktop of another computer (aka the ‘server’). The user can then pass keystrokes and mouse clicks to the desktop of that computer, and receive screen shots of what the resulting screen looks like on the other computer (server) to their local computing device (client). It is called ‘thin’ client because you wind up passing very little data over the internet, just screen shots, mouse clicks and keyboard clicks.

The term ‘Cloud Computing’ appeared around 2006, and encapsulates the notion of thin client computing with the ability to securely store your data ‘somewhere else’. There are a variety of solutions available to your agency that provide thin client access to your local software, and provide automated methods to back up your local data to a secure, offsite location.

Remote Desktop (aka Terminal Services) is probably the best solution thin client solution for multiple remote users to access your local data for long periods of time. It is also the most expensive requiring the services of a local hardware technician, a Server operating system (Windows Server 2003, 2008, etc. which can cost $800 or more), and Remote Desktop licenses – which run about $80-$100 apiece (although you typically get one license for free). The advantages of using Remote Desktop to dial into a Server based operating system are that it is more secure, less prone to data corruption, and does not require a separate computer for each person logging in.

There are less expensive (even free) solutions for people that need to occasionally dial in to the home office, or dial in one at a time. These solutions all require that there is a separate computer at the home office, for each person dialing in. Some of these solutions can be found at: Logmein.com. GotoMyPC.com. Join.me. and TeamViewer.com. Each product has advantages and disadvantages regarding ease of use, reliability, supported client devices, and features; and there are several factors such as how printing and file transfers are handled between the ‘Free’ and ‘Pro’ versions of each software that must be taken into account. If you are considering one of these less expensive thin client solutions, it might be money well spent to hire a tech for an hour or so to help you sort out your options.

Another aspect to Cloud Based computing is the ability to securely backup your data by copying your files over the internet to a secure facility offsite, thus limiting your liability if your local location burns down, or is involved in a natural disaster. Some companies that offer offsite backup solutions for a small fee are Mozy.com. and Dropbox.com. With a little help from a local tech – you can quickly set one of these programs up, and then have peace of mind that your data is stored securely ‘somewhere else’. Just make sure that your tech sets the program up to send the files over the internet at night, otherwise you will see your daytime internet speeds drop dramatically.

Of course Agency Software, Inc. offers turnkey hosting solutions as well. If you’d rather not worry about configuring your Remote Desktop solution, or making sure your data is securily backed up, we recommend the services of EME Cloud For about $30 per user / per month, DJ and his staff will web-enable your Agency Software applications for use on nearly any device, from nearly anywhere in the world. If you have questions, please fee free to give us a call at (800)342-7327 to discuss your Cloud Computing needs.


30/09/2017

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Life Insurance: Cash Value & Surrender #life #inaurance


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Cash Value of Life Insurance Policy

If you are considering permanent life insurance – such as whole life, universal life, or variable life insurance – you probably know that these types of policies provide both death benefits and cash value accumulation. You can use the cash value for many different needs, including your living expenses in retirement.

Ways to Use Life Insurance Cash Value

  • Pay your policy premium
  • Borrow from the cash value to pay large expenses, at a lower rate than banks offer
  • Structure an investment portfolio that maintains and accumulates wealth
  • Use the cash value for expenses in retirement

Cash Value Life Insurance Definition

Cash value life insurance is a type of permanent insurance policy consisting of a “death benefit,” which is a standard part of all life insurance policies, as well as a cash value accumulation feature. Whole life, universal life, and variable life insurance are the three primary types of cash value life insurance.

When you pay your premium, a portion of that payment is allocated towards the cash value. The life insurance company invests the money into a conservative-yield form of investment. The cash value grows over time as you continue to pay your premium and through the interest you earn.

The life insurance cash value is the amount of money you have built up through your premium and investment interest for the length of time you have owned the policy.

How Does Cash Value Life Insurance Work?

When you pay your insurance premium for a permanent life insurance policy, the money is generally allocated in three portions:

  1. Payment for the face value of the insurance policy or death benefits, which your beneficiary or beneficiaries will receive after you pass away
  2. Payment for the insurer’s cost for administering the policy
  3. Payment toward the cash value, which is subsequently invested by the life insurance company

The cash value builds from a combination of each premium payment you make and the interest earned from the investments made by the life insurance company.

The cash value generally grows slowly in the first few years of the policy then experiences more significant growth later. The cash value accumulation then slows again as the policy holder ages and more of the premium is applied to the death benefits.

Life Insurance Cash Value Growth

The life insurance cash value growth is dependent on both the premium and how well the life insurance company’s investments perform. Some forms of permanent life insurance policies offer a guaranteed minimum rate of return. You’ll benefit when the investments perform well; you earn a higher return on the investments, and can be protected if the policy has a guaranteed rate of interest when economic times are slower. Additionally, some insurance companies will also pay a dividend if fewer life insurance policies are paid out in a given year.

The rate of return on the investments made by any life insurance company varies for a variety of reasons:

  • Some investment portfolios perform better than others
  • The strength of the investment market fluctuates
  • The account managers handling the investment portfolios have varying rates of success

The overall return rate of investment on a policy that has been in place long term can be 4.97% or higher on an annual average for the life of the policy. When you are comparing life insurance companies and policies, be sure to work with a knowledgeable independent agent who can assess how well various permanent life insurance companies have performed.

Life Insurance Cash Value Tax

You might be wondering if and when you have to pay income tax on the cash value portion of your policy. This is how the tax situation works.

  • Whole life non-participating policy and universal life insurance policy: As long as cash value continues to grow in an active policy, the cash value is not taxable until one of the following occurs:
    • You cancel or “surrender” the policy
    • You transfer the life insurance policy, such as when you assign or sell the policy
    • The policy is no longer considered a life insurance contract by the IRS
  • Participating whole life policy: The same applies to these policies with above described conditions, but there is a slight difference when it comes to the payment of the dividends on a “participating” whole life insurance policy. In a participating whole life policy, dividends are paid out to the policy holder and are considered to be a “return of premium.” The policy holder has four choices to choose from in how to use the dividends:
    1. Buy more coverage
    2. Use the dividends to reduce the future amount of your premiums
    3. Reinvest the dividends
    4. Receive the dividends in cash

These dividends are not taxable until or unless the dividends you receive exceed the total amount of premiums paid on your particular policy. Any dividends you receive that exceed the total amount of premiums paid on your policy are considered taxable. The excess dividends will be taxed regardless of how you use them.

Cash Value vs. Surrender Value

The cash value and the cash surrender value are inherently the same. The difference between the cash and the surrender value is that if you surrender your policy (for example, if you choose to cancel and cash out the life insurance policy), you will receive the cash value that has accumulated less any applicable surrender charges; these charges are pre-determined by the life insurance company, and are stipulated in your policy contract.

Note that there is a “surrender period,” which is the period of time that a policyholder must wait before it is possible to receive the cash value of the policy upon canceling. If the policyholder cancels the policy before the end of the surrender period, it is not likely the policyholder will receive any amount of the cash value because these costs are incurred by the insurance company to set up the policy.

Borrowing Against Your Life Insurance Cash Value

After the surrender period ends, you can typically take out a loan against a portion of the available cash value. Note that you should only do so for an express purpose, and that there are several things to consider:

  • This loan can be taken out without having to pay taxes on it
  • You are not required to repay this loan back to the insurance company
  • The insurance company will charge the interest rate on the outstanding loan
  • Both the interest the company is charging for the loan and the amount of cash value you borrowed will be deducted off the death benefits if you die while the policy is still in force, unless you have repaid the loan

A life insurance cash value policy can help you build up a substantial savings over time and can be especially advantageous if you aren’t very investment savvy or have difficulty saving money for your retirement.

There are many different versions of these types of policies and they vary in how they are structured. You are best advised to contact a local independent agent in the Trusted Choice network who can provide unbiased information about cash value life insurance policies versus term life insurance policies. One of these agents, right in your area, can help to evaluate your financial needs and goals and answer your questions about various life insurance options.

Find an agent today to learn more about permanent life insurance cash value policies and get the coverage you need.

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30/09/2017

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Life Insurance Leads #life #insurance #leads #for #sale


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Life Insurance Leads

Tuesday, September 13, 2016 1:22:00 PM

Sell more policies with quality life leads by All Web Leads!

Life Lead Pricing

We offer agents excellent value: (1) customers only pay for leads they receive, (2) we offer one of the lowest shared lead caps in the industry, (3) we leverage the power of advanced technology and an industry leading call center to build best-in-class quality into our Premium Leads and Calls.

Plus, we offer a fair and easy return policy for bad leads. We have won a total of 6 LeadsCouncil LEADER awards, including MVP and Best Conversion Rate. two years in a row, as voted on by the industry’s largest insurance lead buyers.

*Premium and Qualified Prospect Leads are automatically included, when available, as part of your mix for your selected lead packages. Calls must be added and configured separately in your account. Be advised that price determines priority when multiple agents captive with the same primary carrier are eligible.

In addition to the base life lead price, we offer optional demographic and lifestyle filters at an additional charge. You’re never charged for geographic filters.

Lead Package Details

Premium Life Leads

  • Age 45-70
  • No Major Health Conditions (see below)

Standard Life Leads

  • Age 25-44
  • No Major Health Conditions (see below)

Final Expense Life Leads

Substandard Life Leads

  • Includes all leads that fall outside of above packages

Major Health Conditions Include:

FREE Geographic Filters

Life Lead Customer Testimonials

“All Web Leads consistently has some of the best leads of all my providers. The filtering, and the accuracy of the subsequent leads, makes All Web Leads a go-to choice for the purchased leads portion of my business plan.”

– Ian C. Young, Life Agent

“We have developed a strong partnership with All Web Leads, based on excellent Customer Service. All Web Leads has worked extensively with my agency to formulate lead strategies by working with us on zip codes, filters, etc. They continue to have good Lead availability as well as quality!”

– Nancy Brockman, Life Agent

Still Have Questions?

Give us a call at 1-888-522-7355 ext 1
Our offices are open from 8:00am-5:30pm CT, M-F.


28/09/2017

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Advantages Of Using Structured Settlement Brokers #structured #settlement, #sell #annuity, #selling


A Look at the Advantages to Using Structured Settlement Brokers

Selling your structured settlement gives you access to a lump sum of cash immediately. This can be enormously beneficial, particularly if you are facing serious financial difficulties. Whether you’ve lost your job, have mounting medical bills or need to get your creditors off your back, that lump sum can be essential. However, you should never attempt to sell your payments on your own – you need to work with an expert. Using structured settlement brokers offers a number of essential advantages.

Help Choosing the Right Path

You’ll find that not all structured settlement offers are the same. Some companies might only want to buy part of your payments. Other companies might charge you a steep percentage of your total amount, leaving you with less money than you should have. Still other companies might not have a particularly good reputation. Working with structured settlement brokers ensures that you have help choosing the offers that best match your specific situation and financial needs.

Get Your Offers Fast

Another advantage to working with structured settlement brokers lies in the speed you’ll have in getting offers. If you’re attempting to do this on your own, it can take a very long time just to find reputable buyers, much less start receiving offers for your settlement. When you work with a quality broker, you can start receiving offers almost immediately. This increased speed is highly beneficial for anyone struggling with a less than ideal financial situation. Obviously, the sooner you can get offers, the sooner you can begin the process and receive the cash you need.

Protect Your Interests

There are many different companies that buy structured settlements, and not all of them are ideal for your needs. Some are less than reputable, while others might not offer the terms you need. Working with structured settlement brokers ensures that you are able to protect your interests and find a buyer who is not only reputable, but also dedicated to protecting your best interests.

Working with reputable brokers will help ensure that not only do you have access to the widest pool of qualified buyers, but that you have the information and help necessary to navigate the sales process. Selling structured settlement payments is not a simple process, no matter how tantalizing those late night commercials make it look. You need expert help to get through the process and a broker can offer exactly that.


26/09/2017

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Best UK Equity and Bond Funds #oeics, #unit #trusts, #fund #prices,


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Welcome to Morningstar.co.uk!

You have been redirected here from Hemscott.com as we are merging our websites to provide you with a one-stop shop for all your investment research needs.

Get Started: To search for a security, type the name or ticker in the search box at the top of the page and select from the dropdown results.

Registered Hemscott users can log in to Morningstar using the same login details. Similarly, if you are a Hemscott Premium user, you now have a Morningstar Premium account which you can access using the same login details.

Morningstar.co.uk contains data, news and research on shares and funds, unique commentary and independent Morningstar research on a broad range of investment products, and portfolio and asset allocation tools to help make better investing decisions.

For more information:

  • Find out more about Morningstar and the website
  • Read our top tips for getting the most out of Morningstar.co.uk
  • Locate your usual Hemscott.com features on Morningstar.co.uk
  • See a comprehensive list of Morningstar.co.uk features
  • Check the answers to FAQs
  • Contact website support

Don’t show me this message again

Welcome to Morningstar.co.uk!

You have been redirected here from Hemscott.com as we are merging our websites to provide you with a one-stop shop for all your investment research needs.

Get Started: To search for a security, type the name or ticker in the search box at the top of the page and select from the dropdown results.

Registered Hemscott users can log in to Morningstar using the same login details. Similarly, if you are a Hemscott Premium user, you now have a Morningstar Premium account which you can access using the same login details.

Morningstar.co.uk contains data, news and research on shares and funds, unique commentary and independent Morningstar research on a broad range of investment products, and portfolio and asset allocation tools to help make better investing decisions.

For more information:

  • Find out more about Morningstar and the website
  • Read our top tips for getting the most out of Morningstar.co.uk
  • Locate your usual Hemscott.com features on Morningstar.co.uk
  • See a comprehensive list of Morningstar.co.uk features
  • Check the answers to FAQs
  • Contact website support

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24/09/2017

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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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No Exam Life Insurance #life #insurance #with #no #medical #exam,no #exam


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Life Insurance With No Medical Exam

Normally, if you’re applying for life insurance you are required to submit to a medical examination with regards to issues that may affect your insurance rates. For instance, you may be liable to pay more for life insurance if, during the medical exam, a doctor finds that you have a condition that indicates that you should be in a higher risk category.

Heart problems, high cholesterol or a history of strokes are some examples of issues that might put you in a higher risk category. For many individuals seeking relief from constant worries about their health, no exam life insurance is the perfect choice.

Who else might benefit from a no exam life insurance plan?

  • Those who need immediate coverage
  • Individuals suffering from health conditions, such as cancer
  • Senior citizens

Pre-existing Conditions

Many life insurance companies charge exorbitant fees if you have what they call a pre-existing condition which puts you in a higher risk bracket. Life insurance companies want to make more money off of you than you give them in the long term, so if they expect your death to be a drain on their company’s finances in the near future, they want you to have paid in as much as possible. Life insurance with no medical exams provides the perfect solution for individuals who would have to pay a huge amount of money for a traditional term or permanent life insurance plan. It may even be possible to get whole life insurance without a medical exam .

Of course, you have to compare the monthly rates of each. Generally no exam life insurance is more expensive than the average life insurance plan and it offers the same services. However, it’s more of a one-size-fits-all insurance plan, making it a great choice for people who do have “pre-existing conditions” like a heart condition or who are significantly older. If this describes you, a traditional life insurance plan may ask for higher rates than a no exam insurance plan

Enhanced Privacy With No Medical Exam Life Insurance

Another benefit of purchasing life insurance with no medical exam is that you can keep your medical information private. Many of us feel a little bit leery that our private information is being viewed by some insurance executive or technician in a suit with nothing but dollars on the brain.

We’d like to know that information about our bodies is kept between ourselves and trusted physicians and doctors. Additionally, no exam life insurance is great for people who don’t enjoy doctors’ offices, needles or exams. They’re simpler, they are processed much more quickly, and they leave your family with more money to help with funeral expenses.

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LifeInsuranceRates.com is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. LifeInsuranceRates.com is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a LifeInsuranceRates.com affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.


23/09/2017

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Charitable Gifts of Life Insurance, Planned Giving Design Center, million dollar


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Charitable Gifts of Life Insurance

Summary

A few years ago, insurance advisers Michael Brink and Bryan Clontz wrote an article for the Planned Giving Design Center that discusses ten creative charitable uses of life insurance and their tax implications in planned giving. It has now been updated for current law, so we thought you might enjoy taking another look.

Revised: February 26, 2008

It seems like all the recent news about charitable uses of life insurance has only been one thing? BAD! From the 1980s version of vanishing premium universal life, which caused a substantial amount of planned giving expectancies to vanish, to the more recent charitable reverse split dollar fiasco that Congress chose to eliminate, life insurance has become the black sheep of planned giving vehicles. While the life insurance product itself is not inherently inappropriate, the flexibility of the product has allowed many to stretch the product to the edge. The many traditional uses for life insurance that can benefit both the charity and the donor are often lost in all the bad press.

Life insurance is an excellent tool for making charitable gifts for a number of reasons. Life insurance provides an “amplified” gift that enables you to purchase immortality on an installment plan. Through a relatively small annual cost (the premium), a benefit far in excess of what would otherwise be possible can be provided for charity. This sizeable gift can be made without impairing or diluting the control of a family business or other investments. Assets earmarked for family members can be kept intact.

For example, a 50-year old committed to giving $5,000 annually for 10 years could leverage the $50,000 gift into a $360,000 gift. A second-to-die, or survivor life policy, adds even more leverage. A 50-year old couple could make a gift of $800,000 with the same $5,000 annual commitment. (Assumes 50-year old(s), preferred non-smoker(s) using variable life policy earning 10% gross return.)

Keep in mind that using a traditional permanent life insurance contract will generally yield a 6% to 7% internal rate of return to life expectancy on premiums paid.

Life insurance can be a self-completing gift. For a donor committed to making annual gifts, a portion of the annual gift can be directed to an insurance policy guaranteeing the continuation of that gift in perpetuity. If the donor becomes disabled, the policy can remain in force through the “waiver of premium” feature (if elected). This guarantees the ultimate death benefit to the charity and, in some cases, the same cash values and dividend build-up that would have been earned had disability not occurred. Even if the donor dies after only a few premium payments, the charity is assured a full gift. The death proceeds can be received by the designated charity, free of federal income and estate taxes, probate, and administrative costs, and without any delay, fees, or transfer costs.

Large gifts to charity are less subject to attack by heirs because of the contractual nature of the life insurance policy. The death benefit is guaranteed as long as premiums are paid. This means that the charity will receive an amount that is fixed (or perhaps increasing) in value, and not subject to the potential downside of volatile market risks as in securities.

There are a number of methods for including life insurance in a charitable gift plan.

  1. Make an absolute assignment (gift) of a life insurance policy currently owned, donate a new life insurance policy, or have the charity purchase life insurance on the donor’s life and pay the annual premiums (assuming insurable interest and state law permits). Each of these allows a current income tax deduction.

  • Use of dividends from existing policy. Assign all annual dividends to charity. This eliminates out-of-pocket contributions, yet still creates a deduction as dividends are paid. Amplify the gift by having these dividends purchase a new policy of which the charity is the irrevocable owner and beneficiary.

  • Name a charity as the primary or contingent beneficiary of an existing or new life insurance policy. Although this will not yield a current income tax deduction, it will result in a federal estate tax deduction for the full amount of the proceeds payable to the charity, regardless of policy size. This can be particularly applicable in situations where there is only one logical beneficiary, or where insurance is used to fund a supplemental retirement benefit and the death benefit is of little importance to the insured.

  • Group term life insurance can also be used to meet charitable giving objectives. By naming a charity as the beneficiary of the group term insurance for coverage over $50,000, a donor can not only make a significant gift to the charity, but also avoid any income tax on the economic benefit for the amount over $50,000 (Table I or P.S. 58 rates are IRS published schedules that specify the employee’s “economic benefit” per $1,000 of coverage for employer-provided group term life insurance). While the initial $50,000 could also be given, no income tax deduction would be generated.

  • Most estate planning techniques become even more effective when coupled with other techniques. By giving appreciated long-term capital gain property to the charity (e.g., stocks, real estate, mutual funds, etc.), the donor avoids capital gains tax and receives a deduction for full-market value (with notable exceptions). Using this cash to then fund a life insurance policy provides even more leverage, creating an even larger gift.

  • Perhaps one of the most popular ways to utilize life insurance in charitable planning more indirectly is through “wealth replacement.” In this situation, life insurance makes it possible for a donor to make an immediate or deferred gift of land, stock, or other property while still providing an acceptable family inheritance.

  • While life insurance is most commonly thought of only as a wealth replacement vehicle for CRTs, it can also be used as a funding asset inside the CRT in certain situations where it serves the following purposes.
    • The life insurance death benefit can substantially increase the remainder value of the trust, thus providing a larger gift to the donor’s selected charities when the trust terminates.

  • In a two-life unitrust scenario, life insurance proceeds can “balloon” trust corpus when the first income beneficiary dies, creating a much larger income payout for the surviving income beneficiary.

  • The donor is able to make partially tax-deductible premium payments for a personal insurance need.
  • For example, assume Mr. Donor establishes a net-income unitrust with a make-up provision (NIMCRUT) that will pay 6% per year for the lives of Mr. and Mrs. Donor. The trust is funded with property valued at $1,000,000 that is generating $60,000 of annual income. Under the typical CRT scenario, Mr. and Mrs. Donor will receive payments from the trust of $60,000 per year for life (6% of $1,000,000). Upon Mr. and Mrs. Donor’s death, charity will receive the $1,000,000 remainder value.

    (March 31, 1992) and

    (August 7, 1987), the IRS approved the payment of premiums by the trust under the following circumstances.

    • The trust was established as an income only unitrust.

  • Premium payments would come from principal only, and never from trust income.

  • Cash value withdrawals or dividends would be treated as principal and not income.

  • Nothing from the policy would ever be paid as income to the income beneficiaries.
  • The same double tax situation discussed for qualified plans also exists for non-qualified or supplemental retirement plans. These have become especially popular as a method of offsetting the limitations imposed on the more traditional qualified plans. Supplemental executive retirement plans (SERPs) are company paid plans while non-qualified deferred compensation plans (NQDC) are commonly used to allow executives to defer funds over and above the 401(k) limitations.


    22/09/2017

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  • The Union Labor Life Insurance Company, Inc: Private Company Information #the


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    Company Overview of The Union Labor Life Insurance Company, Inc.

    Company Overview

    The Union Labor Life Insurance Company, Inc. offers insurance services for union workers and their families. It provides its services in the areas of life insurance, individual life insurance, direct response marketing, and investment services. The company also offers group life and accidental death and dismemberment insurance, group disability insurance, stop loss insurance, and individual insurance. It provides an array of commingled investment accounts. The company was founded in 1927 and is based in Washington, District Of Columbia. The Union Labor Life Insurance Company, Inc. operates as a subsidiary of ULLICO Inc.

    111 Massachusetts Avenue NW

    Washington, DC 20001

    Key Executives for The Union Labor Life Insurance Company, Inc.

    President and Chief Executive Officer

    President of Retirement Services

    President of Ullico Investment Advisors

    Compensation as of Fiscal Year 2017.

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    Recent Private Companies Transactions

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    22/09/2017

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    LIC – Life Insurance Corporation, Health Insurance in India, Insurance Portal,


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    Insurance Portal

    A complete Insurance Solutions

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    Life insurance in India serve over 100 years ago. Which is one of the most populated in the world, the prominence of insurance is not as widely understood, as it ought to be with special reference to LIC.

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    Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses, among a targeted group.

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    Presenting the Launch of LIC Credit Cards. A partnership between LIC Cards Services Limited (LIC CSL) and Axis Bank Ltd

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    This is to inform you that LIC launch new jeevan anand whole life plan table no 815.

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    This is to inform you that LIC launch new bima bachat single premium plan table no 814.

    We are celebrating Health Insurance Week from 6th to 12th December 2014. On this occasion we have so many offers. For more detail contact us.

    Personal Income-tax exemption limit and Investment limit under section 80C raised by 50,000/. So, now a person can save upto 30,000 tax in financial year 2014-15.

    A single premium limited preiod plan.

    LIC launch a plan for children future with PWB.

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    Health and Saving Tips:

    Its always a good time to quit bad habits: Chewing tobacco, smoking and drinking, all these habits are injurious to our health. Its prime high time to take care of your health and prevent your family as it is truly said that prevention is always better than cure. Quit these lethal and deadly habits and save your life as well as money. Plan to invest and go with the good investment plan that covers your health risk and gives a smart return at the time of your retirement age. We save your life and provide sound economic returns with the slogan AAJ KI BACHAT KAL KI SURAKSHA

    Other Quick links

    Our mission : Main mission of our web site is to provide true and transparent service to our customer and insured more percentage of population. Serve by providing proper advice as per requirement and budget of the proposer. We want to provide better life as well as health insurance plans service to our valuable customers by providing LIC s policies as well as Apollomunich policies. Providing services to our customers like Tax advice, investment advice, income tax return etc. You can Save tax u/c 80C and u/s 80D by investing under this and return you will get from life insurance as money back as well as maturity is tax free u/s 10(10D). We have pension , child education, child marriage, child future and many more solutions.


    22/09/2017

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    Sample Life Insurance Application Questions #example #of #life #insurance


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    Sample Life Insurance Application Questions

    Whether you re thinking about applying for life insurance or just curious, we will cover exactly what s on the life insurance application. Life insurance companies use a lot of information to safeguard themselves from bad risk in order to maintain their financial strength. That is why a lot of information is asked up front for the application and additional information gathered on the back end. Most life insurance companies have similar sections for different information they require.

    First part of the life insurance application you will be asked for your personal information such as your full name, address, DOB, driver license, social security, and employment information. Next, the application will usually ask you for both primary and backup beneficiaries. This is where you will decide how the pie will be distributed between your family in the event of sudden death. Keep in mind that you will need to have your beneficiary s name, DOB, relation to you, social security number and percentage to be paid out.

    Here is where it gets interesting because you will be asked a series of questions about your medical history and non-medical hazards. There are too many questions to list, but let s look at some sample overview of what to expect.

    Sample Life Insurance Health Questions

    What is your height and current weight?

    • Your build will strongly affect your rates and some companies will give you a better rate so it s important to shop around.

    Have you ever used tobacco?

    • If you haven t used tobacco in the last 24 months most companies will give you a non-smoker rate however to get the best rating you need to be tobacco free for more than 5 years. For anyone who uses electronic cigarettes. tobacco chewing or occasional cigar you may qualify for non-smoker rates as well.

    Has anyone in your immediate family passed away from stroke, cancer or heart attack prior to age 60?

    • If the answer is yes, you can expect to get a higher rate since this statistically means you have higher odds of getting those illnesses.

    Are you diagnosed with any illness/diseases? (Blood pressure, diabetes, stroke, heart attack, asthma, cancer, hepatitis, depression and many others)

    • This is where most clients get substandard rates or simply get declined. For each condition you have the company will deduct points so they kind of stack up to determine your final rate or eligibility.

    Are you on any prescription medications?

    • This is a good time to let the carrier know since they will be running a prescription database check. So it s best to be straightforward and let them know what the meds are for.

    Have you been hospitalized within the last few years?

    • If you have a medical condition and have been hospitalized for it within the last 24 months typically that looks bad and some carriers will want you to wait before reapplying.

    Do you have AIDS, HIV or ARC?

    • If you answer YES, then you should only be looking at a guaranteed issue life insurance plan.

    Are you on disability now?

    • This is usually asked to see if your medical condition is disabling you from working and if it is then you have a moderate to severe condition.

    Name, phone, address of your primary care physician?

    • Carriers ask these details since they will pull medical records if they need additional details. Sometimes this will be skipped if everything else is totally normal.

    Sample Life Insurance Hazard Questions

    Are you a pilot?

    • For commercial pilots, there is no surcharge. If you re a private pilot you will need to have certain certifications and total hours. For student pilots, there is a flat extra for the time they are students which get very costly.

    Do you participate in any dangerous activities?(skydiving, scuba diving, racing, mountain climbing, etc.)

    • If you answer yes, it is going to be wise to use a high-risk agency since most companies will rate you highly or decline the application.

    Are you planning to reside outside the U.S. within the next two years?

    • If you are the carrier want to know which country since certain countries are extremely risky. For example, if you re going to a country where there is mishap or war you ll most likely be declined.

    Have you been convicted of a felony or DUI?

    • Someone with a felony should only apply for life insurance after 12 months once probation or parole has been completed and only with certain companies. (click here for more info) DUI s are a little easier to insure but prepare for higher rates especially if it occurred recently.

    Any history of substance abuse?

    • This can get tricky especially if it is recent. From our experience, the companies want to see some time pass.
    • If you re active military almost all life insurance carriers will turn you down for obvios reasons.

    There is also a section on the application that asks about the coverage specifics. This is where all the information about your plan type, coverage amount, and any additional riders will go. Next, you will need to provide information about an existing life insurance coverage and answer questions pertaining to replacement of the policy.

    Once the application is complete, the company will schedule an exam unless you opt for no exam life insurance. It’s crucial not to hide any information since the life insurance companies are incredibly good at finding most minor details about you. They will check the MIB (Medical Information Bureau), Rx databases, doctor records, DMV and might even request a file from a consumer reporting agency.

    If you re wondering what the application entails because you re unsure about your eligibility. There are thousands of life insurance companies and each company has conditions which they will insure that others won t. The key is to work with an agency that is independent and represents many different companies. As mentioned before, be upfront with your agent so they can recommend the right company for you.

    Hope we were able to give you an idea of what to expect, but if we missed anything drop us a comment or simply reach out. Now that you know, we welcome you to check out some term life quotes here .


    21/09/2017

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    Annuities – Guaranteed Income Funds, Instant Life Insurance, net life insurance.#Net


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    Understand Annuities

    An annuity is a simple retirement income option that provides guaranteed income with no market exposure.

    How does it work?

    In exchange for a single lump sum investment an insurance company will pay you income for the rest of your life or a chosen period of time. This income payment will include the return of principal investment as well as interest.

    There are three types of annuities:

    Single Life Annuity

    This type of annuity provides guaranteed income for a lifetime of one individual regardless of market conditions or interest rate fluctuations.

    Joint Life Annuity

    This type of annuity, also referred to as Last Survivor Annuity, provides guaranteed income for the lives of two people regardless of market conditions or interest rate fluctuations. When the first person dies the income is paid to the surviving individual.

    This annuity provides guaranteed income for a predetermined period of time or until you reach a certain age.

    To get more information on annuities or to get a no obligation quote please complete a short enquiry form and we will be happy to assist you.

    Why choose Instant Life Insurance?

    Net life insuranceCompare rates from top Canadian providers

    Net life insuranceInsurance products to suit every need

    Net life insuranceExperienced advisors across Canada

    Net life insuranceNo medical insurance plans

    Net life insuranceProducts available for ages 0-85

    Net life insuranceExpert advice from qualified professionals

    Why choose Instant Life Insurance?

    Net life insuranceCompare rates from top Canadian providers

    Net life insuranceInsurance products to suit every need

    Net life insuranceExperienced advisors across Canada

    Net life insuranceNo medical insurance plans

    Net life insuranceProducts available for ages 0-85

    Net life insuranceExpert advice from qualified professionals


    20/09/2017

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    Decreasing Term Life Insurance Guide #decreasing #term #life #insurance #quote


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    Decreasing Term Life Insurance

    The idea is to pay off debts, such as the mortgage, other loans and credit card balances, and to make sure there are funds available to meet the family’s other living expenses, both now and in the future.

    There are different types of life insurance policy from which to choose. Perhaps the most straightforward is level term insurance: you select the amount of cover you need (the ‘sum insured’) and length of time the policy will run for (say, 20 years).

    The policy will then pay out the sum insured if you die before the end of the term.

    An alternative is decreasing term insurance. Here, the sum insured reduces over the term of the policy – which means the premiums can be less than for a level term policy (all other things being equal).

    Unlike with level term cover, the amount of cover then falls –monthly or annually – over the term.

    What is decreasing term life insurance?

    Decreasing term insurance is often bought to clear a specific debt (normally a repayment mortgage) that is itself reducing over time, with the policy paying out in the event of the death of the borrower or his or her partner.

    The term is usually selected to align with the associated debt.

    Clearing the mortgage after death is a priority, of course. Indeed, many mortgage lenders will insist life insurance is in place.

    The pay-out will mean the family can remain in the property, and the burden of meeting the monthly mortgage repayments will be removed (note that decreasing term insurance is not appropriate for someone with an interest-only mortgage, where the capital debt is only repayed at the end of the mortgage term).

    Not all decreasing term insurance is taken out to cover mortgages, though.

    Some people also choose this type of life cover because they do not feel such a big payout will be necessary if they die in, say, 20 years rather than within the next 10.

    How does it differ from level term insurance?

    With level term insurance. it is up to you to decide how long the policy runs for and how much would be paid out if you were to die within the term.

    You also choose the length of the term and the size of the sum insured when you arrange decreasing term insurance – but your decisions will be influenced by the term and size of the debt you are looking to repay if worst comes to worst.

    Unlike with level term cover, the amount of cover then falls –monthly or annually – over the term.

    As noted, decreasing term policy can be cheaper than level term insurance because the sum insured goes down rather than staying the same throughout, reducing the risk of the insurer having to make a big pay-out.

    So is decreasing term life insurance right for me?

    Decreasing term life insurance is popular with people on a tight budget as the monthly payments are lower than those you would pay with level term cover.

    But many people prefer to pay for level term insurance, even though they have a repayment mortgage.

    The logic is that, if they set a sum insured that matches their debt but which stays at the same level as the debt falls, then they will create additional insurance that could be used for other purposes following a claim.

    Others choose a level sum insured that is greater than their mortgage debt anyway, so they know their loved ones will have additional provision to take care of other living expenses.

    Have you got death-in-service benefit through work?

    Remember, before taking out any kind of life insurance, you should also check whether your employment contract includes a death-in-service benefit that will go to your family should you die.

    This is usually set at four times your annual salary – which is probably insufficient for most families.

    To work out how much cover you need in total, you should add up all your debts and the family’s annual living expenses and then take a view about the length of time you need insurance protection to be in place.

    For example, if you have children at home, your annual expenditure is likely to fall substantially once they become financially independent.

    Mulling over these points should help you determine the size of your sum insured.

    Once you reach this stage, you can add to any existing life insurance policies you have, such as a death-in-service benefit, to reach the desired amount.

    So if, for example, you decided on a sum insured of £300,000 and had a £100,000 death-in-service benefit, you would need £200,000 from a separate life insurance policy.

    Family income benefit and monthly payments

    Another type of term insurance is designed to pay an income rather than a lump sum. This is generally known as a family income benefit policy.

    Again, you choose the term of the policy, but instead of nominating a lump sum as your sum insured, you choose an amount to be paid as a monthly income, payable from the date of your death (or that of your partner) to the end of the agreed policy term.

    You could pay less for family income benefit insurance than for level term insurance because the insurance company, on balance, stands to pay out less. For example, if you died 15 years into a 20 year term, a level term policy would pay out the full amount, but the family income benefit policy would only pay the monthly income for five years.

    A family income benefit policy might be attractive to someone who does not have debts to clear – although you could set the monthly amount sufficiently high to take care of the mortgage payments as well as other financial needs and commitments.

    Again, in setting the sum insured, you would have to calculate how much you need to provide for your family’s outgoings. You can arrange for the income paid following a claim to increase each year in line with inflation – but the premiums would be higher than for a policy where the monthly payments remain the same.

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    13/09/2017

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    Best Accredited Colleges For Life Experience Degrees, accredited life experience degrees.#Accredited


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    Accredited life experience degrees

    (Master’s)

  • Educational Leadership & Administration

    Accredited life experience degrees

    My friend claims he earned his college degree—a life experience degree—by “testing out of” courses and putting together a portfolio of his work and military training over the last two decades. Do real accredited universities ever offer life experience degrees? Aren’t all universities that offer these types of degrees a scam?

    Yes! But be careful. Input “life or work experience degrees from accredited universities” into any search engine and you’ll be swamped with hundreds of websites that promise to review your resume and convert your experience credentials and training into a college diploma.

    Real Accredited Universities or Scams?

    Many of these websites are indeed scams, and the diplomas they promise are, in fact, fake. Most of these universities are “accredited,” BUT by fake agencies.

    University Credit Through “Competency Exams”

    Capella University was approved by The U.S. Department of Education to offer an innovative “FlexPath” direct-assessment program in August 2013 making Capella one of the first schools to offer competency-based bachelor’s and master’s degree programs that utilize an approved direct-assessment learning model.

    Connecticut-based Charter Oak State College is another online university that offers a wealth of opportunity for adult students who want to accelerate their education using challenge exams, military training and specialized business training programs.

    Life Experience Master’s / MBA Degree

    You didn’t say what kind of degree your friend earned. Most credit-for-experience programs apply only to undergraduate degrees—associate’s or bachelor’s. It is extremely rare for accredited online master’s degree programs in the U.S. to award ANY credits for experience.

    MBA – Business Intelligence

    MBA – General Business Administration

    MBA – Global Operations and Supply Chain Management

    MBA – Health Care Management

    MBA – Human Resource Management

    MBA – Project Management

    MS – General Information Systems & Technology Management

    MS – Project Management

    MS – Child and Adolescent Development

    MS – Educational Psychology

    MS – General Psychology

    MS – Industrial/Organizational Psychology

    MS – Sport Psychology

    Best Universities for Accredited Experience Degrees

    Accredited life experience degrees

    Vicky Phillips was cited in 2009 by US News & World Report as “for 20 years the leading consumer advocate for online college students.” In 1989 she designed America’s first online counseling center for distance learners on AOL. In 1998 she authored the first print guide to online graduate degrees, Best Distance Learning Graduate Schools put out by the Princeton Review. In 2001 she authored Never Too Late to Learn the Adult Student’s Guide to College.


    12/09/2017

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  • College Visits and Tours for Families #planning #college #visits, #personal #assistant,


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    The professionals at Custom College Visits have the in-depth knowledge and experience to create amazing college road trip experiences for your family.

    Each custom designed itinerary includes all on-campus meetings and activities, as well as coordination of travel and hotel logistics.

    Itineraries are designed based on colleges that interest your teen and each trip is scheduled according to your preferred travel dates.

    Not sure what type of college will be the best fit for your teen?

    We will plan a multi-campus itinerary that will let you and your teen explore different types of colleges and universities all based on your teen’s specific educational interests and lifestyle preferences.

    Since 2009, Custom College Visits has been privileged to assist teens and families from around the world with their college tours.

    Summer college tours can be particularly challenging for parents or teens to organize.

    Call us +1 (650) 931-4515 or (800) 930-1701 for a free consultation.

    Please scroll down to read what parents say about our college road trip itineraries.

    “A friend who is a maven in finding outstanding resources, recommended Janice and Custom College Visits as we began the daunting college selection process. We worked with Janice on two fronts; to help create a list of colleges and to set-up meaningful colleges visits. The college visits were also a lot of fun for us as a family and very informative on so many levels. More importantly Janice helped make the college selection process manageable, not so daunting after all, and we felt no stone was left unturned in this important decision.

    Tracy P. Parent of a New York City high school Senior

    Thank you so much for planning such a wondrous experience for our son. The careful attention to detail was evident at every turn. Custom College Visits planning effort provided an appropriate path of discovery for our son and for us.

    Michael C. New Jersey parent of a high school Junior

    Hi Janice, Our trip was a thoroughly enjoyable family adventure! Thank you so much for the unique opportunities that you created for our daughter at each college. Meeting with a student at Harvard, was probably the most informative way to start the entire trip. She devoted a lot of time (in the rain) providing real college life details. She swiped us into dining halls, dorms & buildings that we might not have seen otherwise. The sophomore session at Princeton was wonderful! Thank you so much for everything that you did! We really were able to get the most out of each campus visit! Best, Julie

    Julie, Parent of a high school Junior in Southern California

    I found working with Custom College Visits a very positive experience. They were able to pinpoint colleges that were best suited for my daughter and the travel plans were well organized. In addition, they were able to set up an interview with a member of a college color guard, as my daughter had expressed interest in going to a school that had a color guard. I am very pleased with my experience with Custom College Visits, and would recommend them highly.

    Mark L. Parent of high school junior in Northern California

    Lili got accepted into her first choice school today (early decision): Boston University! She is thrilled beyond belief and relieved as well. We could not have done it without your help, it was invaluable. I think the High School Honors program she did there was probably very helpful and we would not have know about it without your forwarding the information to us. You rock! So, I am tipping my hat today to both you and Lili!

    Kim T. Parent of high school senior in Kansas

    I am happy to tell you that Nivi has been accepted early decision to Brown University. She is the first ivy leaguer in our family and we couldn’t be more proud! Her decision to apply was made easier because of the excellent experience she had during her customized tour via your company so thank you so much! We will be sure to recommend you to our friends here..

    Gayathri S. Parent of high school senior Chennai, India

    Thank you again for being so good at what you do. Our trip to the US was a huge success. I was on the verge of cancelling the trip but knew I couldn’t let my son down. That I even found you on the internet was a direct answer to my prayer for a miracle. The itinerary worked very well. I knew I was in good hands even before I boarded the plane to the U.S. and your attention to detail far exceeded my expectation.

    Egbe O. Parent of international high school student

    We had a wonderful trip to Philadelphia and Boston thanks to Janice Caine of Custom College Visits. She worked out an itinerary from start to finish. We visited 9 schools and it was as smooth as possible. Janice worked out tours and information sessions as well as meetings with tennis coaches.We have boy/girl twins and both were happy which is not an easy achievement. Not only did Janice work out the schedule but she recommended great schools in both towns. We would highly recommend her.

    Phil S. Parent of high school students SF Bay Area

    “Thank you SO MUCH for your involvement in the Splash Parents’ Program this weekend! I am just reviewing the feedback forms, and your presentation received rave reviews across the board; many parents cited it as the highlight of the program for them! Some verbatim quotes include: ‘The Planning and Preparing for College Visits was a great eye opener;’ Thank you for all the effort, energy, and enthusiasm you put into making the event such a success.”

    Marisa M. Coordinator, Splash Parents’ Program Stanford University

    Our college process was two-fold. It began with getting a jump start on the standardized testing, and not waiting until spring of junior year to focus. I believe our outcome was successful because we had a well-managed plan helped along by an expert, Janice Caine, of Custom College Visits.

    Lisa L. Parent of high school students SF Bay Area

    Happy New Year! Wanted to let you know that Charlie was accepted to Johns Hopkins Early Decision! Great news and very exciting all around. Thank you for all your help.

    Beth A. Parent of a high school senior. Massachusetts


    09/09/2017

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    Welcome to the Counseling Center: Texas State University #lonely, #lonliness, #txstate,


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    Welcome to the Counseling Center

    END OF THE SEMESTER SESSIONS

    Each semester, when the Counseling Center has no more capacity to add new clients seeking ongoing counseling, we replace initial consultations (ICONs) with one-time sessions for the remainder of the semester. As of Monday, July 31 st the Counseling Center will begin offering one-time sessions. These one-time sessions are an hour in length and focus on problem solving more immediate issues. If students are in need of further services, we will help them connect with additional resources outside of the Counseling Center.

    Counseling Center services are free, confidential, and provided by trained professionals to currently enrolled Texas State students while classes are in session.

    Counseling Center Services include brief individual, group, and couples counseling, consultation and crisis response, and workshops about coping with stress and other mental health topics.

    Individual counseling is also available on a limited basis at the Round Rock campus. Click here for details.

    CONCEALED CARRY IS PROHIBITED IN THE COUNSELING CENTER

    Effective August 1, 2016, concealed carry of a handgun by license holders is allowed on Texas public university campuses subject to the restrictions imposed by statures and by the University President. Concealed carry is prohibited in some buildings on Texas State University Campuses, please see www.txstate.edu/campuscarry


    05/09/2017

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    Understanding Taxes on Life Insurance Premiums #premiums #life #insurance


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    Understanding Taxes on Life Insurance Premiums

    Tax implications are important to consider when buying life insurance. The Internal Revenue Service (IRS) imposes different tax rules on different plans, and sometimes the distinctions are arbitrary. The following guide is meant to elucidate some of the tax implications surrounding life insurance premiums.

    A person shopping for life insurance has many things to consider before making a decision. First, there is the distinction between term life insurance and whole life insurance. Term life provides coverage for a set number of years, while a whole life policy is effective for life. A policyholder also must calculate how much coverage he needs. This depends largely on why he is buying life insurance.

    A person who is only concerned with covering burial and funeral costs for his next of kin may opt for a death benefit of $20,000 or less. By contrast, someone with several dependent children, all of whom he hopes to send to college, often desires $500,000 or more in coverage. Further complicating the buying process is the sheer number of life insurance companies from which to choose. The Internet has made this process somewhat easier, with several sites dedicated exclusively to comparing quotes from dozens of life insurance companies side by side.

    Paying Taxes on Life Insurance Premiums

    Unlike buying a car or a television set, buying life insurance does not require the payment of sales tax. This means the premium amount a policyholder is quoted when he obtains coverage is the amount he pays, with no percentage amount added to cover taxes. With that said, certain situations exist in which a policyholder is required to pay taxes on insurance premiums.

    Employer-Paid Life Insurance

    When a person’s employer provides life insurance as part of an overall compensation plan, the IRS considers it income, which means the employee is subject to taxes. However, these taxes only apply when the employer pays for more than $50,000 in life insurance coverage. Even in those cases, the premium cost for the first $50,000 in coverage is exempt from taxation.

    For example, a person whose employer provides him, for the duration of employment, with $50,000 in life insurance coverage in addition to his salary, health benefits and retirement savings plan. does not have to pay taxes on his life insurance benefit because it does not exceed the threshold set by the IRS.

    A person whose employer provides him with $100,000 in life insurance coverage, by contrast, has to pay taxes on part of it. The premium dollars that pay for the $50,000 in coverage he receives in excess of the IRS threshold count as taxable income. Therefore, if the monthly premium amount is $100, the amount that is taxable is the amount that pays for the additional $50,000 in coverage, or $50.

    Prepaid Life Insurance

    Some life insurance plans allow the policyholder to pay a lump sum premium up front. That money gets applied to the plan’s premiums throughout the plan’s duration. The lump sum payment also grows in value because of interest. The growth of that money is considered interest income by the IRS, which means it can be subject to taxation when it is applied for a premium payment or when the policyholder withdraws some or all of the money he has earned.

    Cash Value Plans

    Many whole life insurance plans, in addition to providing the insured with fixed death benefits, also accumulate cash value as policyholders pay into the plans with their premium dollars. A portion of the premium dollars enter a fund that accumulates interest. It is common, particularly with plans that have been in force for many years, for the cash value to exceed the amount the policyholder has paid in premiums. Therefore, people use this type of life insurance as an investment vehicle along with taking advantage of the protection it provides their families in the event of an untimely death.

    While many financial advisers remain steadfast against using life insurance for investment purposes, claiming the returns, historically, have been extremely weak compared to mutual funds and other investments, the fact remains the cash value of most whole life insurance policies grows over time. Because this is considered income to the policy holder, it has income tax implications.

    The good news for a whole life policyholder is he does not have to pay income taxes each year on the growth in his plan’s cash value. Similar to retirement accounts, such as 401(k) plans and IRAs, the accumulation of cash value on a whole life insurance policy is tax-deferred. Even though this money qualifies as income, the IRS does not require the policyholder to pay taxes on it until he cashes out the policy.

    If and when a policyholder elects to take the cash value of his whole life insurance policy, the amount he is required to pay taxes on is the difference between the cash value he receives and the total he paid in premiums during the time the policy was in force. For example, if he pays $100 per month for 20 years, or $24,000, and then cashes out the policy and receives $30,000, the amount subject to taxes is $6,000.

    Another feature of whole life insurance is that, in many cases, the policyholder is allowed to take out a loan against the cash value of his policy. There is a misconception that the proceeds from this kind of loan are taxable. That is not the case, even when the loan amount exceeds the total premiums paid into the policy. Taking out a loan simply reduces the cash value of the policy and, if applicable, reduces the death benefit paid.

    Life Insurance Premiums Not Tax Deductible

    An additional misconception that is fairly common about life insurance premiums is that they are tax deductible. Unlike health insurance premiums, which policyholders may deduct from their federal income taxes, life insurance premiums are classified as a personal expense by the IRS. By rule, a taxpayer cannot deduct any money spent on personal expenses, including life insurance, when he files his tax return.

    An investment theory that states it is impossible to beat the market because stock market efficiency causes existing share.

    An extension of credit from a lending institution when an account reaches zero. An overdraft allows the individual to continue.

    An order to buy or sell a security when its price surpasses a particular point, thus ensuring a greater probability of achieving.

    1. In economics, the free rider problem refers to a situation where some individuals in a population either consume more.

    In international trade, the export by a country or company of a product at a price that is lower in the foreign market than.

    An offer to purchase some or all of shareholders shares in a corporation. The price offered is usually at a premium to the.


    04/09/2017

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    Personal Finance – Yahoo Finance #why #need #life #insurance


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    • The case of the incredible shrinking airline seat is finally being investigated

    C/Zmk9Zml0O3c9OTkyO2g9NTU4O3B4b2ZmPTA7cHlvZmY9MDs7YXBwaWQ9cHJvZGVzazI-/http://media.zenfs.com/en/homerun/feed_manager_auto_publish_494/c4deeb5f4fe950d582c9e60e034eda84″ /> Fix My Finances: I m overwhelmed by debt

  • What to do if you re paid with a red-hot stock
  • Would you pay more for commercial-free cable?

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  • The cheapest ways to see the solar eclipse

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  • 7 insights from looking at 10 M expense reports
  • How to buy happiness even if you re not rich

    C/Zmk9Zml0O3c9OTkyO2g9NTU4O3B4b2ZmPTA7cHlvZmY9MDs7YXBwaWQ9cHJvZGVzazI-/http://media.zenfs.com/en/homerun/feed_manager_auto_publish_494/e0eb06adada4a8d82d61ec55991e2f71″ /> Money Basics: What is a hedge fund?

    C/Zmk9Zml0O3c9OTkyO2g9NTU4O3B4b2ZmPTA7cHlvZmY9MDs7YXBwaWQ9cHJvZGVzazI-/https://s.yimg.com/os/creatr-images/GLB/2017-07-26/84a605e0-7207-11e7-8a6c-29d2160fd8e2_CHOOSING-A-FINANCIAL-ADVISOR_v4-00_02_04_46-Still003.jpg” /> 7 questions to ask when choosing a financial advisor

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    Should you buy or lease your next car? 4 questions to consider

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    03/09/2017

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  • REVEALED: The life insurance companies with the most complaints #hollard #life


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    REVEALED: The life insurance companies with the most complaints

    Johannesburg The long-term insurance company which received the most complaints during 2016 is Old Mutual.

    This is according to the long-term insurance ombudsman s annual report for 2016. Old Mutual topped the list of complaints, with 723 or 13.77% of total complaints. Of these, 454 cases were considered.

    A total of 469 of Old Mutual s complaints were resolved in 2016. The majority (43) received from consumers have to do with poor communication and service. Similarly, the majority (129) of complaints from the insurer (Old Mutual) also have to do with poor communication and submission of information or documents from consumers.

    Liberty Group ranked second with 587 cases or 11.18% of total complaints. Only 432 complaints were considered by the ombudsman. A total of 434 cases were resolved. The majority of complaints from consumers have to do with claims declined over non-disclosure.

    Hollard Life Assurance Company followed, with 492 or 9.37% complaints. Only 343 cases were considered. A total of 330 cases were finalised. The majority (56) of complaints about Hollard have to do with poor communication and service.

    Other players like Sanlam Life Insurance saw 273 complaints submitted to the ombudsman. Metropolitan Life clients submitted 376 complaints, MMI Group 316, Assupol Life 300, Clientele Life Assurance Company 226, Discovery Life 184 and Outsurance Life Insurance reported 30 complaints.

    Acsis, FedGroup Life, Investment Solutions, Just Retirement Life (SA), New Era Life Insurance Company received zero complaints.

    Deputy ombudsman Jennifer Preiss cautioned that these statistics must not be viewed in isolation and should be seen within context. Preiss added that among the trends observed is that the biggest insurers often also have a greater amount of complaints.

    Preiss highlighted that four insurers received five second reminders throughout 2016. These include Africa Unity, Nedgroup Life, Nestlife and Safrican.

    The ombudsman received 9 871 written requests for assistance during the year. Of these 5 284 were chargeable – 266 more than the previous year. A total of 3 324 cases were resolved. About 78% of these were finalised in six months, said ombudsman Judge Ron McLaren. This is an improvement since 2014, where 74% of cases were finalised; 75% were finalised in 2015.

    We see in the office an increasing tendency on the part of complainants (to be) impatient, and they want their cases finalised, he explained.

    For the year, expenses came to R21.5m – bout R1.8m per month. In contrast to that, the amount of R187.7m was recovered on behalf of complainants. This excludes income benefits or annuity payments or any benefit of a non-montary value like the reinstatement of a policy, he added.

    Within a year with 365 days, the office recovers R500 000 for complainants every day, said McLaren.

    For a year with 250 working days, the office recovers more than R750 000 for complainants in lumpsums every day.

    “We don t act for consumers, we don t act for companies, we are an effective and efficient impartial, independent, complaints resolutions service,” added McLaren.


    27/08/2017

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    My LIC India – Life Insurance India Online #single #premium #whole


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    LIC Jeevan Lakshya endowment plan No.833 is launched by LIC. It is a limited premium paying endowment plan. It is a profit endowment assurance plan that provide profit as per the company experience in form the final additional bonus and simple reversionary bonus. These bonus are provided at the time of maturity. This policy plan mainly considers the minors and gives annual income benefit to the [Read more. ]

    LIC New Children’s money back plan no. 832 is proposed by LIC of India to secure the future of the child. Even the parents are not there, it provides benefits at the various stages of life of a child also provide life protection of child in the form of insurance coverage. It is a non linked participating money back plan, It provides survival benefit to the child at the age of 18 years 20 years and [Read more. ]

    LIC Jeevan Tarun (Table No: 834) is a non linked and participating endowment plan that provides insurance coverage to the children. It not only provide insurance coverage but also takes care the basic needs at the certain age of the child. Such as, for education, for marriage, for higher education etc. For meeting these needs, it provides survival benefits at the certain age there are four options [Read more. ]

    LIC has launched Jeevan Umang Plan no. 845 on 16th May 2017. It is a non-link, with-profit, whole life assurance plan. LIC has launched a new plan called as LIC Jeevan Umang (845) on 16th May 2017. This newly introduced plan is a non-link plan with low risk return options and guaranteed maturity benefits. The policy holder gets benefited from this plan by the annual survival pension without [Read more. ]

    LIC Jeevan Labh (Plan no. 836) is Limited Premium Endowment Plan. This is not linked plan, means it is not going to affect the insurance policy in case of ups and downs in share market. It is a saving as well as protection plan for the policy buyers. The policy is made in such a way that the buyer can have fixed period of 16 years or 21 years or 25 years as per his choice as the term of policy. In [Read more. ]

    Aam Aadmi Bima Yojana (AABY) launched by department of Finance services of central government on 2nd October 2007. Mainly launched for the landless and backward people of India to provide them security by the government. This scheme is mainly launched for the BPL family and also the family who are staying in the areas where the all one facilities like hospitals and schools are not available so [Read more. ]

    This is an Insurance Scheme launched by our Prime Minister in 2015 according to this the policyholder will get the life insurance coverage for death due to any reason. This is an annual policy that is to be renewed every year and individual can take the benefits of this scheme by LIC and other insurance companies who were engaged in this scheme. Also the person who wants to have Pradhan Mantri [Read more. ]

    February 25, 2017 by Anushka

    LIC’s Jeevan Pragati Plan 838 is a non-link Insurance plan, with profits plan. It offers a combination of protection and savings. This plan provides automatic increase in risk cover after every 5 years during the term of the policy. Apart from this, policyholder can also take loan against this policy. LIC Jeevan Pragati Benefits: Death benefit In case of death during the policy term, [Read more. ]

    LIC has decided to start Digital policies in coming days and there will be no hard paper copy of the Insurance documents like Bond Paper. This is a good move as physical papers are easy to get damaged or lost due to various circumstances. Your E-insurance policy details will be kept in Digital Account like Mutual Fund and Shares are kept in Demat account through repository. Currently, IRDA [Read more. ]

    November 21, 2014 by Tabrej

    LIC Jeevan Shagun Single Premium, Money Back Plan (Table No. 826) It’s a close ended plan, Available for 90 days from 1st November 2014. Features: Single Premium Money Back Plan 10 times sum assured Loan Surrender available from 2nd year onward 12 Year Term Surrender any time. Death Benefit: If policy holder dies within 5 years, Basic sum assured i.e 10 times of your [Read more. ]


    25/08/2017

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    Lifetime airline passes: Fly anywhere, any time, for life #travel #reservations

    #airline travel tickets
    #

    Fly anywhere, any time, for life

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    IN THE early 1980s, American Airlines, strapped for cash, decided to start selling passes for unlimited first-class travel for life. At the time, the passes cost $250,000 (around $600,000 in today’s dollars), with a companion ticket available for an extra $150,000 and discounts for older people. The Los Angeles Times explains what happened next :

    “We thought originally it would be something that firms would buy for top employees,” said Bob Crandall, American’s chairman and chief executive from 1985 to 1998. “It soon became apparent that the public was smarter than we were.”

    The unlimited passes were bought mostly by wealthy individuals, including baseball Hall-of-Famer Willie Mays, America’s Cup skipper Dennis Conner and computer magnate Michael Dell.

    Mike Joyce of Chicago bought his in 1994 after winning a $4.25-million settlement after a car accident.

    In one 25-day span this year, Joyce flew round trip to London 16 times, flights that would retail for more than $125,000. He didn’t pay a dime.

    “I love Rome, I love Sydney, I love Athens,” Joyce said by phone from the Admirals Club at John F. Kennedy International Airport in New York. “I love Vegas and Frisco.”

    In other words, Mr Joyce, who paid around $1m for his airpass, made back one-eighth of its cost in less than a month. If this seems like it was a fantastic deal for people who could afford it, that’s because it was. (AA stopped selling the passes regularly in 1994, although it did offer them again in 2004, in the Neiman-Marcus catalogue, for $3m each. None sold.) It was such a good deal for flyers—who also earned airline miles on each flight—that American started regretting it. In 2007, the airline began investigating its passholders, to see if any were taking improper advantage of the programme.

    You can click through to the Times piece to find out the outcome of AA’s investigation. But there’s a lot to learn from this story. It illustrates how having the money to make significant investments when opportunities arise can pay off enormously in the long-run. It demonstrates that savvy consumers really can take advantage of enormous corporations if the corporations make silly mistakes. (What’s really shocking is how long American kept this deal going—it took nearly a decade and a half for the airline to realise it was getting the short end of the stick.) And it shows how much some people love to fly. If AA or another airline ever offers this kind of deal for that kind of price again, it’s worth considering if you have the resources and expect to live long enough to take advantage of the deal. After all, it’s way cheaper than having your own private jet—and you don’t have to pay the pilots or the staff.

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    Travellers with disabilities: Problems at the pool





    25/08/2017

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    Types of life insurance #direct #term #life #insurance


    #

    Level Term Life Insurance vs. Decreasing Term Life Insurance

    All life insurance is the same isn t it? This is a common thought, but it isn t true. There are various types of life insurance available, and they re usually designed with a specific protection purpose in mind.

    We have two types of life insurance:

    Neither option offers better cover than the other, but you might find one suits your needs more closely. You can apply for both types of life insurance if you wish, subject to certain limits. You are also allowed to own several life insurance policies, even if this includes policies not with Direct Line.

    Level Term Life Insurance

    Level Term Life Insurance is usually the preferred choice to help make sure your family has financial protection if you die during the policy term. This is because it lets you choose how much cover you need, and the length of time you want to be insured for the amount of cover will not change unless you alter your policy. And so you always know how much it will pay out.

    Decreasing Term Life Insurance

    Decreasing Term Life Insurance policies are suitable for helping to repay a capital and interest type mortgage if you die during the policy term. This way your family wouldn t have to worry about how they d pay the mortgage after you d gone.

    With Decreasing Term Assurance the amount you re covered for decreases over time, so the amount of cover reduces roughly in line with the way a repayment decreases.

    Do you want the best of both?

    You can apply for both types of life insurance if you wish

    1999-2017 U K Insurance Limited

    Direct Line general insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ Registered in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk .

    Please select a
    Life insurance Product

    Do you have any insurance policies with Direct Line?

    Do you have any insurance policies with Direct Line?

    Things you need to know about Over 50s life insurance:
    Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won t get anything back. This isn t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.


    25/08/2017

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    The Best Rental Car Deals for Road Trips: Money Smart Life

    #best deals on rental cars
    #

    The Best Rental Car Deals for Road Trips

    August 3, 2011

    Rental car deals are in high demand with many travelers expecting higher air fare costs this summer. Some of those travelers will forge on, willing to pay the higher price to get to their dream destination. But with many Americans still unemployed or just recently having found new employment the high price of flying may cause them to consider vacations closer to home and send them in search of rental car discounts.

    Taking a regional road trip in a rental car doesn t have to break the bank, especially when compared with flying across the country. Instead of increasing your maintenance costs or worrying if your car can survive a road trip, you borrow the rental agency s car for a known cost and call it a day. If the car has maintenance problems that weren t caused by an accident, it s not your problem. They ll swap you out into a new car and get you going.

    Tips for Saving on Rental Cars

    Renting a car can also get pretty expensive, but not if you know how to look for the best deals. Use the following tips to maximize your savings on rental cars. I worked in the rental industry for about a year and this is how I would go about getting the best deal.

    Finding the Best Deal

    There is no one best way to find the best deal on rental cars, but knowledge is power. Things you need to know:

    What s the business model? Rental car agencies go after different types of business. Some focus on repair work while your car is in the shop. Others focus on business travelers and only have airport locations. Knowing the company s business model will help you determine their down times. You can get a better deal during slow periods when they have a lot of extra cars on hand.

    • For example, Enterprise has thousands of locations across the country. They focus on being in your neighborhood and deal with a lot of insurance and car repair rentals. That means their cars are in high demand Monday through Friday. On Friday the body shops finish up, and the agency has extra inventory over the weekend. You can get amazing deals on the weekend. More on this in a moment.

    What s in demand? During the summer months the most in demand vehicles are SUVs and minivans. This is especially true around holidays like Memorial Day or the 4th of July. You ll need to book well in advance or risk missing out.

    Know the car sizes. Check out the company s website and be familiar with their car classes. Booking a smaller vehicle will save you money, but don t be surprised if it is really small.

    Check Online Specials First

    The internet is one of the best places to find widely advertised deals on rental cars. Check all of the popular agency s websites first. You know these deals are legitimate because it is coming straight from the source. Follow that up with a check of large travel aggregation websites like Kayak. They ll be able to spot some of the secret or less advertised deals that you can t find without a lot of extra work.

    For example, say Enterprise has their $9.99 weekend special going. You can pay as little as $10 per day for three days, and get 300 total miles to use on your rental for a compact size car. That s a 60% discount off the regular rental price of $24.99 in my area. A full size car can be had for $19.99 per day that s 43% off the regular price of $34.99.

    Budget has a similar deal. They offer $5 off for every weekend day you have a rental. A 3 day rental (Friday to Monday) would have $15 knocked off the final price. How can they afford to do this? Again, they have a lot of inventory on the weekends. Having vehicles on the road for as little as $30 in revenue is better than having the cars sit on the lot for $0 in revenue.

    One way to make the deal even sweeter is to use a rental car credit card that offers rewards or discounts when you reserve your car online. Just be aware that not all deals can be combined so you might not be able to use the credit card discount along with an advertised special.

    Pick Up the Phone

    Pick up the phone and call your local branch. Have their website pulled up and know what discounts they are currently offering. Let them know of your plans, and have them walk you through the best deal they can offer. When they re done telling you the price, tell them that s not low enough or ask if there is anything they can do to get you to reserve the car today. They may be able to find a discount to put on your rental to drop the price down a bit. Talking to a live human being that works at your local branch gives you an advantage over computer systems.

    Book with Travel Partners

    You can also try booking with travel partners. If you re booking a hotel room you may be able to get a package deal with one of their preferred car rental agencies.

    Negotiate at the Counter

    You have negotiating leverage. Unlike hotel reservations, many rental agencies do not charge you for not showing up for your reservation. Once you are there they want to make sure you leave happy. You can book a lower class vehicle and try to negotiate your way into a larger vehicle at a discounted price.

    In fact, the representative behind the counter may try to do convince you first. Many companies will run up-sell competitions and rewards their reps for selling you from a smaller vehicle class into something bigger, even if it isn t at full price. They re getting more revenue for having your reservation out on the road. You can also try asking for discounts based on:

    • The rate your insurance company gets (which is much, much cheaper than retail). You likely won t get the full discount, but they may knock the price off a bit.
    • Memberships you have (AAA, AARP, etc.)
    • Your company s corporate discount

    Granted, this only works when the company has a lot of excess inventory sitting on the car lot. You won t find much negotiating room if you re renting their next to last car. If they don t rent to you they ll find another customer to put into that car.

    Consider Gas Mileage

    With gas nearing or over $4 per gallon in many parts of the country, be sure to check on gas mileage first. Taking 4 friends on a road trip to the beach? Riding in style in a massive SUV may seem great, but you ll be guzzling gas the whole way (along with paying higher rental costs in the first place). Those 4 people would easily fit into a standard or full size car, saving you money on gas and rental charges.

    Document the Car s Condition

    Make sure you document the car s condition very well. Renting cars happens very fast. There is important paperwork you sign, including an agreed upon condition of the car. If you don t mark any of the current damage (knicks, dings, dents) on the contract you may be held liable for them when you return the vehicle. Read the fine print on the rental car insurance and make sure you understand what s covered and what s not. In this technology covered age I would recommend taking photos or a video of the walk around on the car on your smartphone or camera. It will help defuse any situations that pop up when you return the car.

    Last updated by Kevin .





    21/08/2017

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    Carrier Contracting Services #carrier #appointment, #imo #contracts, #fex #quote #engine, #fex


    #

    Highest Commissions – Unlimited Sales Support 7 Days/Week!

    CLICK HERE TO BEGIN THE ONLINE CONTRACTING PROCESS!!

    We are an IMO specializing in the assistance of all agents, both rookies and veterans, as well as many agencies, in the area of contracting/appointments, sales support, underwriting support, and several other aspects which are vital to the sales success of independent life insurance agents. We have agents located across the country, in several different states, targeting a wide variety of markets.

    Everyone! Particularly those who have ever experienced any of the following as an agent:

    You place an urgent call into your IMO or upline support personnel at 5:01pm, only to discover that they’ve gone home for the night or weekend. Nonetheless, you leave an urgent message requesting information on the best way to write a prospect for whom you’re currently trying to write a policy. Unfortunately, your IMO lives by the Mon-Fri 8-5 work shift, and therefore, doesn’t receive your email or voicemail until the next business day. By this time, you’ve lost the chance of a sale.

    You submit a new application on behalf of a client. When you attempt to contact your IMO 3 weeks later (after realizing the insurance carrier shows no sign of ever receiving the application), you never get a call back, thus leaving your client hanging in the air, while you attempt to track down the application. Low and behold, after another week goes by, you find out that your IMO’s “assistant” had a dead car battery, which “somehow” delayed processing and submitting your client’s application. (Yes, this actually happened to an agent of ours, while with his previous IMO.)

    Being told that since you are a “captive agent”, you are assigned a “territory” in which to sell. You are restricted to this area, without an opportunity to sell products from other carriers, or to expand your market in an effort to increase sales and income.

    Being mislead by some MLM operation into believing you’ll make over $100,000 your FIRST year as an agent. Then discovering that as you work hard to make your measly 50-80% commission (as opposed to 90-120%), someone above you is collecting a chunk of your commission, while YOU do all the work!!

    We realize that the purpose of an IMO is to serve as a direct line of support between the agent and carrier. If an agent has a need related to sales or prospecting, they should be able to rely on their IMO to assist, particularly when the carrier may not be reachable (such as during evenings and on weekends).

    We almost always respond to an agent’s phone call or email within 30 minutes, if not immediately. This is no different during evenings and weekends, as we understand that many times, agents have to set sales appointments during those days and times. With today’s technology regarding the mobile capabilities of an office, there’s never an excuse as to why an agent must wait until the following day for assistance with an immediate need.

    We believe in personalized attention. We make a point of learning your target market, in order to ensure you have the best carriers and products available when prospecting for business. We never play “favorites” with any carrier. If they want the business, they should focus on offering the best product at the best price. Additionally, we learn about our agents and their strengths, as well as any weaknesses. We encourage all of our agents to work together when possible in order to help each other with prospecting ideas and anything else that can help us all achieve greater sales success. Just because you’re independent, does NOT mean you’re on your own!!

    Same-day underwriting risk assessments. We understand that there will be times when even the most experienced agents will come across an individual with a complex assortment of medical ailments, past and present. It is nearly impossible to memorize every medical underwriting guideline from every carrier. Therefore, in the event an agent is in need of a last minute assessment regarding the best carrier product for their client, they can always count on us to offer immediate assistance in regards to helping them determine the best fit for the situation. Many IMO’s simply say “Send in this risk assessment form, and we should hopefully have a response in 2-3 days.” However, we understand that sometimes you don’t have 3 days, let alone 3 hours to get a response, without jeopardizing a potential sale .

    Carrier Contracting Services
    (618)767-6890


    20/08/2017

    Posted In: NEWS

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    Annuity investors life insurance company #annuity #investors #life #insurance #company


    #

    This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.

    Investors should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about Pacific Life are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully before investing.

    Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life Annuity Company. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

    Variable insurance products, as well as shares of Pacific Select Fund, are distributed by Pacific Select Distributors, LLC (member FINRA SIPC ), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life Annuity Company (Newport Beach, CA), and are available through licensed third-party broker/dealers.

    No bank guarantee. Not a deposit. May lose value. Not FDIC/NCUA insured. Not insured by any federal government agency.


    17/08/2017

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    Term Life Insurance Policies – RBC Insurance #term #life #insurance #policy


    #

    Term Life Insurance

    You are on: Overview

    Why choose term life insurance?

    Term life insurance is simple to buy and easy to afford. This makes it the ideal way for young families to get the financial security they need.

    Our plans provide protection for 10 to 40 year periods. If you die within the covered period (3). your beneficiaries receive the amount of the policy tax-free (4) and can use this money any way they want. For example, they can use it to:

    • Maintain their lifestyle and pay day-to-day expenses
    • Pay for your children’s education
    • Pay off loans and debts
    • Cover expenses like funeral costs

    Select the term that’s right for you.

    Term life insurance covers you for 10 to 40 year periods. Coverage automically renews annually after the initial Term until age 100 at which time coverage continues but premiums are no longer required.

    You can also convert our term life insurance policies into permanent life insurance or universal life insurance until you are 71 years old without answering questions about your health or taking a medical exam (2) .

    How much coverage do you need?

    A general rule is 5-7 times your salary. So if your annual income is $40,000, you may want to purchase at least $200,000 in term life insurance.

    We offer the following coverage options:

    • RBC Simplified Term Life Insurance
      Coverage under $500,000, with any term between 10 to 40 years.
    • Your Term Life Insurance
      Coverage from $500,000, with any term between 10 to 40 years.

    Get Your Quote Today

    Start your quote or call us today to apply for the life insurance protection your family needs. After getting a quote, you may be eligible to buy your coverage online.


    16/08/2017

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    Average price for life insurance per month #average #life #insurance #cost


    #

    Average price for life insurance per month?

    For a family, the average is anywhere from 50-100 dollars a month, though it varies greatly. It wholly depends on the usage. no body can define a monthly amount . The answer to this question is dependent upon where you live in the country. The utility company sets the price in cents per kilowatt per hour of use. That tariff is based on how the power is produced. Coal fired boiler, hydro electric, nuclear are some of the ways that the power is produced. (MORE)

    The question and answer are locked and cannot be edited.

    Car insurance costs are affected by several factors, such as driving record, where you live (state regulations as well as neighborhood crime rates), age, and th e car itself (sports cars will cost more to insure), however, the national average is $1,837 per year or $153 monthly. (MORE)

    The average number of days per month is exactly 29.6041667 days 😀 EDIT, I can’t imagine how the above number was calculated. Show your work! The actual answer, with the math behind it is: 365.25/12 = 30.4375 If you don’t want to account for leap years: 365/12 = 30.416666667 EDIT, But another thing you didn’t account for was that every 100 years there is no leap year and every 400 years there is so, really there is about 365.242357 days in a year so, 365.242357/12 = 30.4368631 (MORE)

    The average heating bill per month is anywhere from 50 dollars to 100 dollars per person. The more people living in the house the less it is per person.

    Depends on the price of the car: If the average price of a car was $20k the payment will be around $350.

    Starting from the assumption that there are 365.25 days per year (remember those leap years), you get: 365.25 days/year multiplied by 1/12 (1 year is 12 months), further multiplied by 1/7 (1 Sunday every 7 days) the answer is roughly 4.35 Sundays per month (MORE)

    Insurance Plus ® A Texas Based Independent General Insurance Agency with 50 plus years combined experience in the Property and Casualty field. This includes Liability, Personal and Commercial, Auto, Property, Professional and Malpractice lines as well as Active War Zone operational risks. We are licensed in multiple U.S. states. We provide access to Standard and Non-Standard as well as International Insurance Markets.

    Find a London Lloyds authorized broker


    15/08/2017

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    Basic and Optional Life Insurance Overview #life #insurance #applications


    #

    Basic and Optional Life Insurance Overview

    Life insurance, insured by The Hartford Life and Accident Company helps provide for your family’s economic well-being in the event of your death. This benefit is paid to your designated beneficiaries.

    BASIC LIFE INSURANCE (Employees, Retired State Employees and RMTs)

    The Commonwealth offers $5,000 of Basic Life Insurance to all active state employees and most retirees who have health coverage through the GIC.

    GIC Retired Municipal Teachers (RMTs) are eligible for basic life insurance only in an amount determined by the city or town from which they retire. Survivors, Elderly Governmental Retirees (EGRs), COBRA enrollees, and retirees in the GIC municipal health-only program are not eligible for GIC basic or optional life insurance.

    This one-time benefit allows you to elect an advance payment of 25% to 80% of your life insurance death benefit if you have been diagnosed with a terminal illness. Insureds are eligible for this benefit if the attending physician provides satisfactory evidence that you have a life expectancy of 12 months or less. Upon payment of the accelerated death benefit, future life insurance premiums will be waived, regardless of your age. The remaining balance is paid to your beneficiary when you die.

    OPTIONAL LIFE INSURANCE (Active Employees and Retired State Employees Only)

    Optional Life Insurance is available to provide economic support for your family. This term insurance allows you to increase your coverage up to eight times your annual salary, up to a maximum of $1.5 million. Term insurance pays your designated beneficiary in the event of your death. It is not an investment policy; it has no cash value. This is an enrollee-pay-all benefit.

    How Much Do You Need?

    To estimate how much Optional Life Insurance you might need, or whether this coverage is right for you, consider such financial factors as:

    • Your family’s yearly expenses;
    • Future expenses, such as college tuition or other expenses unique to your family;
    • Your family’s income from savings, other insurance, other sources; and
    • The life insurance cost and your family’s outstanding debt. For instance, employees with young families and mortgages might need the coverage. But older employees who have paid off their mortgage and have no dependent expenses might not need it, especially because premiums increase significantly as you age.

    Life Insurance and AD D Questions?

    Contact the GIC: 1.617.727.2310 ext. 1

    The Hartford’s My Tomorrow Website is an online tool to help you better understand your optional life insurance benefit. It is designed to help you:

    • Make smart, affordable benefit choices to help protect your income.
    • Get quick access to key benefit details, real-life stories and more.

    Life and AD D Insurance Booklets

    For additional information and details about GIC life and AD D benefits, see your life booklet.

    All new enrollees receive a life insurance booklet by mail: If you cannot view the booklets below and need another copy, contact the GIC.

    Basic and Optional Life Insurance Policy Effective July 1, 2016


    15/08/2017

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    Android Software Development LifeCycle – Stack Overflow #application #development #life #cycle


    #

    i am concerned about the SDLC of android apps and the etropy that to program an android app that would come under software engineering principles. To clarify like we have life cycle of developement of all softwares products. which rule the principles / foundation of the software building i need to know what are the keep factors / principes of android developement lifecycle can not find them anywhere

    To make it More Clear what things i am concered of are.

    Requirements and Cost/benefits Analysis

    Detailed Specification of the Software Requirements

    and models that should be applied to android development

    Linear or Waterfall model (which was the original SDLC method)

    Rapid Application Development (RAD)

    Joint Application Development (JAD)

    Especially What are Testing Techniques for android the one with Eclipse Juinit Testing Doesnot seems to work well

    A common consensus appears to be “very short”. Most apps, unless they have an exceptionally large user base, tend to last only a very short while (1-12 months). A lot of mobile developers tend to favour the “Release updates as frequently as possible” approach, with new iterations of apps appearing sometimes weekly.

    Another approach is to develop as little as possible, wasting as little resource as possible on any single project. Apps that are developed this way tend to have one or two bugfixes, and are then left to die off in their own time.

    With new iterations of Android appearing more frequently than most people update their handsets, most developers tend to focus on a broad compatibility range.

    So, to round that off:
    Not very long at all.


    13/08/2017

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    Veterans Group Life Insurance (VGLI) – Life Insurance #va, #veterans #affairs,


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    Attention A T users. To access the menus on this page please perform the following steps. 1. Please switch auto forms mode to off. 2. Hit enter to expand a main menu option (Health, Benefits, etc). 3. To enter and activate the submenu links, hit the down arrow. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links.

    Life Insurance

    Veterans Group Life Insurance (VGLI)

    Coverage

    Veterans Group Life Insurance (VGLI) is a program that allows you to continue life insurance coverage after you separate from service.

    VGLI provides lifetime coverage as long as you pay the premiums. You may enroll for a maximum amount of coverage that is equal to the amount of Servicemembers Group Life Insurance (SGLI) coverage you had when you separated from service. Lesser amounts of coverage are also available in increments of $10,000.

    Once enrolled in VGLI, you will have the opportunity to increase your coverage by $25,000 every five years up to the legislated maximum of $400,000, until age 60.

    No proof of good health is required.

    Enrollment Period

    You have 1 year and 120 days from your date of separation to apply for VGLI. If you apply for coverage within 240 days of your date of separation, you will not need to answer health questions.

    If you have medical conditions that may make you uninsurable, you should protect yourself and apply within 240 days from separation because there is no health review during this period. Follow this link to learn more about medical conditions that may make you uninsurable .

    Eligibility

    You are eligible to apply for VGLI, if you had SGLI, and are within 1 year and 120 days of the following events:

    • release from active duty or active duty for training under a call or order to duty that does not specify a period of less than 31 days.
    • separation, retirement or release from assignment from the Ready Reserves/National Guard.
    • assignment to the Individual Ready Reserves (IRR) of a branch of service or to the Inactive National Guard (ING).This includes members of the United States Public Health Service Inactive Reserve Corps (IRC).
    • placement on the Temporary Disability Retirement List (TDRL)

    You are also eligible to apply for VGLI, if you had part-time SGLI and while performing duty, suffered an injury or disability that rendered you uninsurable at standard premium rates. This includes travel directly to and from duty.

    Cost/Rates

    VGLI Premiums are based upon the Veterans age. Premium rates increased for VGLI insureds age 70 and older effective July 1, 2014. Follow this link to view VGLI premium rates .

    Deadline to Convert SGLI to VGLI

    You must apply to convert SGLI to VGLI within one year and 120 days from discharge. If you submit your application within 240 days after discharge (for those discharged on or after November 1, 2012) or within 120 days after discharge (for those discharged before November 1, 2012), you do not need to submit evidence of good health. Those who apply after the no-health period are required to answer questions about their health.

    How to Apply

    Applying for VGLI is simple using one of the following methods:

    Converting VGLI to a Commercial Policy

    VGLI policyholders can convert your VGLI to an individual commercial life insurance policy at any time. Follow these links for:

    VGLI Customer Service Standards

    Note: this link will open an Excel spreadsheet. Please scroll to the bottom of the spreadsheet to view the VGLI standards.

    Myths and Rumors About SGLI

    There are several myths, rumors and misconceptions about SGLI and VGLI insurance floating around. Please visit our Myths and Rumors page to find out what’s true and what’s false.


    12/08/2017

    Posted In: NEWS

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    50 Best European Travel Blogs – Zen College Life #travel #insurance

    #travel europe
    #

    Comment

    If you have ever felt apprehensive about traveling to Europe, and what you might find when you get there, you will be delighted to learn that it is one of the safest travel destinations in the world. Not only will you discover a whole different way of life but many fascinating cultures, a rich history and some stunning architecture.

    Contrasting cities, magnificent beaches and the warm Mediterranean Sea are just some of the marvelous experiences you will enjoy, with most of Europe easily accessible by road, rail or air. Our 50 Best European Travel Blogs mix up the best wondrous stories with informative resources and practical tips to help you get the most from any European trip. Bon Voyage!

    General European Travel Information

    Consumer Traveler – Pitching itself as “the last honest travel site”, this blog provides valuable information and safety advice irrespective of where you are traveling to in Europe

    European Hotel Specialist – Well-written blog  includes excellent resources for hotel availability and provides video clips, so you see  what you are paying for before you leave your computer.

    Trip Advisor – The ultimate accommodation resource, with reviews written by the millions of travelers to visit Europe each year –  good to check before you book your accommodation!

    Travel Rants – Blogging about all the things that can go wrong when traveling in Europe

    Travel Europe –Practical advice on planning your trip and some inique destinations

    General European Travel Blogs

    Europe a la Carte – Excellent review blog – with descriptive podcasts and videos  for the traveler who prefers independence rather than a set itinerary

    Hotel Club – More than a hotel booking site, Hotel Club contains some excellent, perceptive blogs about the most popular destinations in Europe

    Frugal Traveler – The NYT has an excellent series on how to see Europe on a budget.

    Travelblog Europe – This site is host to individual blogs by people who have “done” Europe

    Europe Up Close – An entertaining and insightful guide, with plenty of tips and links to travel deals

    Spotted By Locals – City by city guide to Europe with free online iPhone apps on offer!

    Rick Steve´s Europe – European travel for everyone on this fantastic resource and travel guide

    Roaming Times – Traveling through Europe in an RV can get you to some exotic locations

    Free in Europe – Free tourist attractions and things to do throughout the whole of Europe

    The Smacaults – A European-wide road adventure with “fun” as the major keyword

    Eastern Europe Travel Blogs

    Jewish Heritage Travel – Ruth Gruber chronicles Jewish cultural developments and other contemporary European Jewish issues ,and compliments her writing with excellent photography

    Addicted to Travel – Things to do in Eastern Europe with over 300  photos to whet your appetite

    Globe Trooper – Fantastic photos and guides to some of the less-well known cities of Europe

    Central East Europe – News, travel information and destination guides for Eastern Europe

    Eurail Blog – Travel stories of a young American seeing Eastern Europe from a train

    France Travel Blogs

    The Paris Blog – Superb blog about places and events in the capital of France with a fantastic resource section linking to the English versions of Paris travel news

    Unlock Paris – I. Paris explores the hidden treasures that you would not normally find in a guide

    The French Way – An Australian writes with infectious enthusiasm about his French tours

    Why Travel to France – All the best bits, complimented by intriguing photos and videos

    France Travel Secrets – Romantic castles, skiing and wine combined with cookery lessons!

    Ireland Travel Blogs

    Dream Ireland – Things to go and places to see in the Emerald Isle, with links to car rental and suggestions for accommodation

    Ireland´s Hidden Gems – Fantastic commentary on the history and heritage of Ireland, with some stunning photography and tips for places to see on your travels

    Irish Fireside – Intelligent blogs, videos and podcasts feature fascinating Irish history and culture

    Vagabond Journey – A really useful resource, full of practical advice for travelers to Ireland

    My Guide Ireland – Some very readable articles blend in smoothly with Irish travel advice

    Italy Travel Blogs

    Italy Vacation Blog – The Boot of Europe gets a real shine in this blog about some of the finer residences you may come across on your travels

    Dream of Italy – Information about sight-seeing tours, accommodation and car rental in Italy

    Wandering Italy – Laugh out loud blog about traveling independently through Italy

    Florence and Tuscany Blog – Stories, photos and tips for traveling in beautiful regions of Italy

    Rome Writings – The Vatican, ice cream and penis-shaped pasta – where else but Rome?

    Mediterranean Travel Blogs

    Greece Travel Blog – Superb blog about a country of culture, mythology and glorious beaches.

    Turkish Travel Blog – Not strictly Europe (yet!), but well worth including in this list

    Crete Blog – Find out more about this stunning island isolated in the middle of the Mediterranean

    History of Macedonia – If you think that ancient history was all Greeks and Trojans – think again!

    Med Food and Travel – All of Europe´s Mediterranean coastline covered in this culinary blog

    Spain Travel Blogs

    I Want to Go to Spain – Vibrant reports about many of the coastal resorts that make the Spanish Costas the Nº 1 vacation destination for many Europeans

    Abroad in Spain – Very funny and insightful guide to living in Spain as an expat American

    Spain Travel Blog – Some of the hidden beauties of Spain revealed in this well-written blog

    Notes From Spain – Informative views about the current political and economic climate in Spain

    Madrid Travel Blog – Travel, tourism and a passion for soccer in the capital of Spain!

    United Kingdom Travel Blogs

    UK Travel Blog – Easy to read and informative travel blog, whichever region of the U.K. you are planning to visit and no matter whether you are visiting for business or pleasure

    Cherie City – Food and fashion feature in this blog heavily influenced by London

    UK Airports Information Blog – Essential advice if your destination is via a U.K. airport

    Enjoy England – People who work in the U.K. travel industry go on their U.K. vacations

    Cheese ´n´ Biscuits – Think English food is all roast beef and fish and chips – think again!





    12/08/2017

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    50 Best North American Travel Blogs – Zen College Life #indonesia

    #travel blogs
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    Having the opportunity to travel around North America is one of the great adventures of life. But if you physically do not have the time (or the money) to become a journeyperson, possibly the next best thing is to read about others´ exploits.

    We have compiled a comprehensive selection of the most entertaining, well-written and informative blogs whatever your mode of travel, line of interest and budget. Many of these blogs extend into other continents, but they all have content about traveling in North America which is worthy of your attention.

    Traveler’s Rights

    Elliot – Christopher Elliot is a consumer advocate and journalist who writes exceptional blogs on poor insurance company practices, airline misdemeanors and poor car hire firms. Everybody who wants to travel around North America should read this first!

    North America General

    TravelholicA – Good general advice for travelling practically anywhere

    Rambling Traveler – Fantastic photo blog from walks taken around much of North America

    My Itchy Travel Feet – Baby Boomer s guide to traveling around America

    The Brooklyn Nomad – Native New Yorker, Andrew Hicky, blogs about not spending a lot in the Big Apple, and then gets on a plane and doesn´t spend a lot in other destinations.

    Kaleidoscopic Wandering – Fantastic travel resource compiled by ex-Peace Corps member and seasoned traveler. Contains fantastic travel tips and advice

    Nomadic Chick What started as a U.S. road trip for a dissatisfied “cubicle dweller” develops into a world tour. Travel tips and advice specifically written for the young female traveler.

    Sending Postcards – Picture packed blog from a traveling couple who started in the States and have yet to stop

    Beer and Beans – Travelling around the States and beyond on a budget. Some great guest blogs too on this well presented site

    Out Traveler – Self-proclaimed standard for the gay and lesbian traveler

    Van Down by the River – Almost as many photos as miles in this country-wide touching blog

    Otts World – Corporate runaway shows that her talents are best used in an exceptional travel-blog

    Everything Everywhere – A worldwide chronicle with awesome photography of the States

    Hole in the Donut – Cultural view of the world with plenty of North American content

    Without Baggage – Brilliant and well written guide to traveling light

    Intelligent Travel – National Geographic´s own travel blog focuses on the cultural, authentic and sustainable places to visit in North America

    The Feral Scribe – Pop culture, politics and travel rolled into one very enjoyable blog.

    Simpler Happier – Travelling away from the tourist destinations of the States

    North America Area Specific

    Alaska Travelgram – probably one of the most comprehensive travel guides to what´s where in Alaska. Plenty of human interest, tips and advice

    Wandering Justin – Travel and adventure in Arizona – and some pretty weird things to eat!

    Canada Trip – In depth travel-blog written from the perspective of an English traveler

    Eclectric Trips – A quirky view of travel, featuring on this link Hawaii

    Yellow Brick Road Trip – A very enjoyable insight into Mid-West life

    Vallartablog – Insiders guide to what´s happening in Puerto Vallarta in Mexico

    Jill Outside – What started as an active Alaskan blog moved to Montana with the author and maintained its momentum. Loads of cycling and beautiful pictures from where cars don´t go.

    Albuquerque Innsights A local innkeeper reveals New Mexico s secrets to anyone who will listen.

    Newyorkology – if it´s on in New York, it is in Newyorkology. Comprehensive guide to everything!

    San Francisco

    Bay Area on the Cheap – Bright, cost-cutting blog about SF on a budget

    Spunky Girl Monologues – Blogs by single female travelers who in 2011 plan a major road trip down the West Coast

    Peregrine by Nature – Stunning photography sees the Mid-west through the lens of Senegalese native Kari, on her road trip up the country with ultimate sights on Alaska

    Have Media Will Travel – Life coach, Shelli Johnson, produces a fascinating guide to the more picturesque areas of Wyoming

    Secret Yellowstone – Excellent blog about the rarely accessed areas of this most wonderful national park

    North American Sports Travel Blogs

    Stadium Journey – Sports enthusiasts will love the well-written reports from their favorite venues

    Anygame Anywhere – A complete guide to finding a stadium, buying tickets and where to sit!

    North American Road Trips

    Around the World by Truck – Not surprisingly, North America provides one of the many highlights of this global tour

    Two Beers and a Pretzel – Route 66 in pictures is the highlight of this multi-destination blog

    Motorcycle Memoir – Christopher Sorbi travels the globe on a Suzuki GS850 raising funds to fight hunger on his Transcontinental Humanitarian Expedition

    Yobosayo – Fantastic photography and humorous tales from a young couple gone camping

    Two Tweens and A Teen – Chrono-blog about a family expedition to 13 National Parks in 16 days – informative if not hurried!

    Bike and Boots – San Diego to Canada on a Suzuki V-Storm stopping for gas and photos

    Bike49 – Cyclists aim to cover 49 States in this green adventure promoting sustainability awareness

    Notes From the Road – Extensive and popular educated look at many of the issues facing American travelers.

    Young Snowbirds – Rob and Arlene Cooper are young snowbirds from Edmonton who take a year off to lose their RV virginity with some hilarious results. Great tips for that long road trip and the blog includes some fantastic videos and photography.

    Wayne on the Road – Wayne Stadler sold everything he owned (except his computer and photography equipment) to embark on a Canadian cross country voyage of discovery in a Nissan Xterra. Everything is on a budget except his wit and excellent writing style.

    North American Food Blogs

    Road Trips for Foodies – A guide to what´s on and where for culinary aficionados

    Beer Geek – Fascinating (and remarkably sober) adventures of Alaskan based beer geeks on their travels

    Lannae´s Food and Travel – If you are ever hungry in Nashville, this blog provides a guide to all the best eateries in the area





    12/08/2017

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    Finding Cheap Airfare – My Trick – Vagabonding Life #travel #to

    #find cheap airfare
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    Finding Cheap Airfare My Trick

    By Greg Rodgers November 20, 2008 4 Comments

    2015 Update: Unfortunately, Kayak caught on and has changed their site. I ve got some juicy insider tips for booking flights  on my backpacking site (www.startbackpacking.com). I fly a lot. so I ve collected some great tricks for how to find cheap flights.

    Ask 20 people on your plane what they paid for their ticket and you will probably get that many different answers.

    Unfortunately, booking a bargain flight has become an evil puzzle that I am constantly trying to figure out. I did come across one cool new tool that helps when you are fairly flexible with your plans as a real vagabond should be!

    So many times when vagabonding or planning a trip, the price of a flight was more important to me than the actual destination. For instance, if I just wanted to wander Europe, I would be willing to change my port of entry to save a few hundred dollars. It makes little difference to me if I fly into Brussels, Frankfurt, or even London because of cheap budget airline options such as RyanAir that can shuttle me around for cheap or even free sometimes!

    Why not save a few bucks flying into a cheaper city and then catching a budget hop to my planned destination? Many people trying budget travel basically just want to get to the continent with the cheapest airfare possible.

    Here is a cool way that I have found to do that!

    Find Cheap Airfare Trick #1

    Having the right tools for the job is essential. I found a handy little airfare tool at Kayak.com. In a nutshell, here is how it works .

    First, go to https://www.kayak.com/explore/ and enter your location.

    Next, choose the month from the drop-down menu, and then go to Where to pick a region.

    Kayak will check for recently booked flights to that region from your airport code and give you the rundown. You can then click to see if the current fare is still there or has gotten even cheaper (hopefully).

    Technically you could then look for flights using other booking websites or your favorite. Kayak checks around 450 sites and typically brings up pretty good fairs for me.

    It may not work every time, but it never hurts to add a tool to arsenal for finding cheap airfare.

    Good luck!

    Tip: If you re headed to Asia, here are my tried-and-true methods for consistently finding cheap airfare to Asia .

    (This post isn t an advert, and no, I don t have an affiliate relationship with Kayak.)





    12/08/2017

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    Travel insurance – International travel health and life insurance quotes made

    #travel life insurance
    #

    International Trip, Travel, Medical Life Insurance

    We offer the Web’s ONLY Intuitive Plan Comparison Tool

    I have used other major quoting sites online to research what programs are available to my situation. eTravelInsuranceQuotes.com is the ONLY site that, in my opion, quickly and easily displayed a simple cross section of insurance programs by simply answering a few online questions –WOW, how simple! It made me feel secure in knowing I wouldn’t select the wrong program for my needs. All the extra nonesense plans were eliminated, making it easier to compare just a few top options compared to 100’s. the site is awesome !

    — Bernadette Meyers, Ocala FL

    Our eGlobal IQ Tool TM is NOT just a Quoting Engine that regurgitates 100’s of potentially unrelated plan results.

    We devised a tool that asks a few critical questions and then suggests the TOP 5 plans that are logical, appropriate choices !

    We present the results to you, our client, knowing we have pre-qualified your specific needs based on actual eligibility and certain underwriting guidelines.

    Comparing plans between carriers is never truely an apple to apple comparison. This is why we feel confident you’ll find the eTravel IQ approach to researching insurance programs on the Web the best approach.

    Additionally. we are standing by to assist by phone, email or LiveChat.

    Extraordinary Global Service is our Goal TM





    10/08/2017

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    No Exam Life Insurance #life #insurance #with #no #medical #exam,no #exam


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    Life Insurance With No Medical Exam

    Normally, if you’re applying for life insurance you are required to submit to a medical examination with regards to issues that may affect your insurance rates. For instance, you may be liable to pay more for life insurance if, during the medical exam, a doctor finds that you have a condition that indicates that you should be in a higher risk category.

    Heart problems, high cholesterol or a history of strokes are some examples of issues that might put you in a higher risk category. For many individuals seeking relief from constant worries about their health, no exam life insurance is the perfect choice.

    Who else might benefit from a no exam life insurance plan?

    • Those who need immediate coverage
    • Individuals suffering from health conditions, such as cancer
    • Senior citizens

    Pre-existing Conditions

    Many life insurance companies charge exorbitant fees if you have what they call a pre-existing condition which puts you in a higher risk bracket. Life insurance companies want to make more money off of you than you give them in the long term, so if they expect your death to be a drain on their company’s finances in the near future, they want you to have paid in as much as possible. Life insurance with no medical exams provides the perfect solution for individuals who would have to pay a huge amount of money for a traditional term or permanent life insurance plan. It may even be possible to get whole life insurance without a medical exam .

    Of course, you have to compare the monthly rates of each. Generally no exam life insurance is more expensive than the average life insurance plan and it offers the same services. However, it’s more of a one-size-fits-all insurance plan, making it a great choice for people who do have “pre-existing conditions” like a heart condition or who are significantly older. If this describes you, a traditional life insurance plan may ask for higher rates than a no exam insurance plan

    Enhanced Privacy With No Medical Exam Life Insurance

    Another benefit of purchasing life insurance with no medical exam is that you can keep your medical information private. Many of us feel a little bit leery that our private information is being viewed by some insurance executive or technician in a suit with nothing but dollars on the brain.

    We’d like to know that information about our bodies is kept between ourselves and trusted physicians and doctors. Additionally, no exam life insurance is great for people who don’t enjoy doctors’ offices, needles or exams. They’re simpler, they are processed much more quickly, and they leave your family with more money to help with funeral expenses.

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    09/08/2017

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