|
|
|
Car insurance
Driving without car insurance is illegal in most parts of the world! Car insurance is one of the most important types of insurance that you can get. If you are going to drive anywhere, then you are most likely required by law to have at least a...
Choosing Affordable Health Insurance For Children
In most cases, private health insurance comes through a person's employer, who picks up the majority of the cost of premiums. However, today many people, who are either self-employed or who work for a company that doesn't offer health insurance,...
Get Fast Cheap Motorcycle Insurance Quotes In Minutes
Owning a motorcycle is like becoming VIP at a secret club. You have your own special rules and privileges as well as the genuine mystique, interest, and envy of the ordinary motorist. Couple this with the fact that most motorcycle owners can park...
Health Insurance Coverage
Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage. Government statistics estimate that over 40...
Term Life Insurance on Your Business Partner
Life insurance is something we often take out to protect our family and our loved ones, but that's only one example of how life insurance can save us in unhappy circumstances. Businesses also need protection and those with partners realize that if a...
|
|
| |
|
|
|
|
|
|
Life Insurance Explained
In the world today money is the most essential necessity of an
individual's life. It is almost impossible to dwell without
money. This is why a person tries to earn maximum possible
during his lifetime to provide a decent living to himself and
his family. But what if the sole earning member in a family
dies? Who will provide financial aid to his family and how?
Though there are quite a few answers to it such as will, leaving
a legacy behind etc. But the best and foremost option meant for
the high as well as the low is a life insurance policy. A life
insurance policy as the name suggests not just insures your life
but is also the smartest and the most far-sighted way to secure
life of those whom you love.
Any individual can take a life insurance policy. In case of
children, their parents are supposed to pay the premium. There
are policies for different amount. The premium also varies
accordingly. A life insurance policy for $50,000 will be charged
higher than one for worth $25,000. But besides these the premium
also depends on many other factors. The topmost is the age of
the individual. A 70 year old man will be charge with a higher
premium than a 30 year old individual. Also lesser quantity of
risks will be covered in case of the former in comparison to the
latter. Alongwith age the occupation and lifestyle of the policy
taker also matters a lot. A person who throws his life into
danger daily (for example one who is a sky-diver) will have to
pay more premium than one leading a simple life. Moreover an
alcoholic,
heart patient etc. will find his life insurance
policy to be more expensive than a strong and healthy individual
of the same age.
It is always the choice of the individual which insurance
policy to take and from where. This depends on the needs and
aspirations of the individual. for instance a person who is
supposed to be survived by 5-6 successors or beneficiaries,
usually opts for a policy with a good sum of money.
Broadly there are 3 different forms of life insurance policies.
1. Whole life policy- this policy is one where the amount of
premium the policy taker requires to pay does not alter with
time. The amount of the premium id decided once at the time of
taking the policy. This type of insurance enables the policy
taker to have some cash-build up during his lifetime that can be
either used during the course of the policy or after his death
to increase the benefit.
2. Term life insurance begins with low premiums initially. the
premium amount increases with the age of the person. since there
is no cash build up in this policy, there are no chances of an
increment in death benefit.
3. Variable life policy is akin to the whole life policy i.e.
the premium is fixed once and for all. The only difference here
is that in this policy there should be cash build up as long as
the various mutual funds the policy taker has opted for, do
well.
About the author:
Mansi gupta writes about best life insurance
quote .
|
|
|
|
|
| Insure.com Car Insurance Quotes, Term Life Insurance Quotes, Auto ... |
| Insure.com provides instant online car insurance quotes, term life insurance quotes, auto insurance quotes, health insurance quotes, home insurance quotes, ... |
| www.insure.com |
|
| Insurance Information Institute (III) |
| Attempts to improve public understanding of insurance -- what it does and how it works. The site is subdivided into sections for "Individuals" (consumer ... |
| www.iii.org |
|
| State Farm Insurance Companies |
| Provider of auto, health, home and life insurance. Get quotes and agents listings. National headquarters. |
| www.statefarm.com |
|
| Allstate - Official Site - Auto Insurance, Home Insurance ... |
| Offers insurance for autos, homes, property, life, mortgage protection, and business. Site includes many useful calculators and tools, an agent locator, ... |
| www.allstate.com |
|
| Progressive Auto Insurance - Car Insurance Quotes Plus Boat, RV ... |
| Provides instant online auto insurance quotes, insurance rate comparisons. Offers motorcycle, RV, boat, or car insurance. Purchase insurance online. |
| www.progressive.com |
|
| Insurance - Wikipedia, the free encyclopedia |
| It cannot put the insurance company in financial jeopardy. ... If the insured does not perform then the insurance company does not have to perform. ... |
| en.wikipedia.org |
|
| Cheap annual travel insurance | single trip holiday insurance quotes |
| Cheap quotes for annual travel insurance and single trip holiday insurance online with moneysupermarket.com. Over 450 policies compared in seconds... |
| www.moneysupermarket.com |
|
| California Department of Insurance |
| Works to foster an insurance market that is fair, competitive and accessible to all Californians. Site designed to assist consumers, aid in the licensing of ... |
| www.insurance.ca.gov |
|
| Insurance: Car, Auto, Life, Home, Business and Investment Services ... |
| Nationwide offers insurance and services including: car insurance, auto insurance home owner insurance, business insurance as well as investment services. |
| www.nationwide.com |
|
| GEICO Car Insurance. Get an auto insurance quote and save today ... |
| Offers auto and motorcycle insurance. Request quotes online or by phone. File claims online. |
| www.geico.com |
|
| Insurance Center - Yahoo! Finance - Find the Right Insurance for ... |
| Insurance Center - Protect and insure your assets with comprehensive resources about auto, home, health and life insurance. |
| insurance.yahoo.com |
|
| Compare Auto Insurance Quotes from Top Auto Insurance Companies |
| America's #1 online insurance agency. Compare instant auto insurance quotes, car insurance quotes, life insurance quotes, home insurance quotes, ... |
| www.insurance.com |
|
| Car Insurance, Home Insurance, Travel Insurance, Life Insurance UK |
| Provide travel, home contents and car insurance for professionals, graduates and students. |
| www.endsleigh.co.uk |
|
| Home Insurance Quotes, Car Insurance Quotes - Lloyds TSB Insurance |
| Home Insurance Quote, Car Insurance Quotes, cheap Travel Insurance, Pet Insurance, Business Insurance. Up to 15% discount for buying insurance online. |
| www.insurance.co.uk |
|
| Car insurance, Home insurance, Life insurance & more - Direct Line |
| Direct Line offer car insurance, home insurance, life insurance, travel insurance, mortgages, personal loans,breakdown cover and much more! |
| www.directline.com |
|
| PA Department of Insurance |
| State regulatory authority. Site provides information for consumers, producers, and the insurance companies themselves. |
| www.ins.state.pa.us |
|
| Texas Department of Insurance |
| Regulates the state's insurance industry, encouraging competition to make insurance available and affordable. [some content available in Spanish] |
| www.tdi.state.tx.us |
|
| Life Insurance (U.S. Department of Veterans Affairs) |
| Informationa about all Life Insurance programs administered and supervised by VA. |
| www.insurance.va.gov |
|
| Insurance for Canada and the United States by RBC Insurance |
| Specializes in life, health, travel insurance, and annuities for middle income families in Canada and the United States. Site offers individual, family, ... |
| www.rbcinsurance.com |
|
| Free Auto, Health, Life and Homeowners Insurance Quotes - MSN Money |
| Get free auto, health, life and homeowners insurance quotes from top insurance companies in the country. Find the latest news and information related to ... |
| moneycentral.msn.com |
|
|