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Caregiver Stress Accounts for 27% Increase in Health Insurance Benefits by South Florida Employees
The impact of Elder Care issues on corporate America will continue to grow as our elderly population increases: • Employees juggling job responsibilities with care giving are a reality in the workplace of today and the future. Workers are torn...
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,...
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...
How to Find Affordable Health Insurance
Affordable health insurance - it seems, especially today, those
words just don't belong together in the same sentence. Health
insurance monthly premiums have become the biggest single
expense in our lives - surpassing even mortgage payments....
Summertime And Boats... And Boat Insurance
Early summertime is the time of year, when boat owners start getting back on the water. I am speaking about pleasure boaters, those who use their boats to make a living fishing are on the water when the fish are under it. It's the time of year when...
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Low Cost Life Insurance
Finding low cost life insurance need not be a complex process. The life insurance market in the UK is extremely cost competitive, with a glut of cost orientated life insurance companies keeping the cost of life insurance at record low levels. Competition in low cost life insurance has increased further over the last few years, with low cost UK supermarkets like Tesco and ASDA now offering cut-price low cost life insurance. A £100,000 term life insurance policy for 25 years now has a low cost of around £5 - £6 per month for a young non-smoker with low susceptibility to health problems.
But, despite the greater accessibility of low cost life policies, the cost of life insurance premiums does vary. Here is a review of the major factors that influence the cost of life insurance policies: -
Low Insurance Age - The age at which a life insurance policy is taken out has a significant impact upon the low cost of the life insurance premiums paid. The younger you are when you start a life insurance policy then the better chance you have of obtaining a life insurance policy at low cost. This is because at a younger age you are viewed as being at a low risk of passing away than someone 30 or 40 years your senior. Life insurance premiums will therefore be at a low cost for young people, but not so low cost for older people.
Health - Life
insurance companies will award low cost life insurance to people who have low health risks. To qualify for life insurance at low cost on health grounds you will need a low level of hereditary disease running in your family. If you suffer from a life threatening disease, such as cancer or heart disease, your life insurance cost will not be so low. Also, if asthma, high blood pressure or cholesterol problems exist then a low cost insurance policy could cost that little bit more.
Lifestyle - A low cost life policy is available to those with a low stress / low danger lifestyle. If you drink excessively or you are a smoker or practice extreme or dangerous sports / activities then a life insurance policy that is low cost could be out of your reach.
Insurer Cost - Finally, no matter what type of life insurance cover you have, be sure to check the cost of other life insurance policies regularly. The life insurance market is always changing, so you just might find a better low cost provider of low cost life insurance the next time you search the life insurance market for low cost insurance policies.
About the Author
Matthew Bourne has been working in the loans, mortgage and life insurance industry for over 10yrs and is currently working for http://www.loansgalaxy.com/life-insurance/
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