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Health Care and Health Insurance Costs Can Be Controlled Through Lifestyle Choices
As you probably know all to well, the cost of healthcare and health insurance premiums continue to increase at levels substantially above the general inflation rate. The reasons given for these extraordinary cost increases are numerous and include:...
How to Reduce Home Insurance Premiums
Here are some useful tips on how to reduce Home Insurance premiums. Home insurance, also known as Household Insurance is a policy designed to cover your home and if applicable its contents against the possible risks. With most aspects of...
Insurance Glossary ot Terms
Assured - Those insured under the terms of an insurance policy. Benefit - The money paid to the policyholder when a claim is made. Bid Price - The selling price or cash-in value of your unit holdings. Bonus - Relates to a with-profits...
Memo To Myself - I Need Keyman Insurance
Last month I had to drive down to London. I don't like driving
at the best of times but the rain, spray and heavy traffic on
the M1 made conditions difficult. Radio 2 kept me company and
the heater kept me warm. Then I hit that queue - six miles...
Top 8 Life Insurance Mistakes to Avoid
Mistake #1
Don't forget to update the beneficiaries on your life insurance policies regularly. Update it every few years or when there's a major life event such as marriage, divorce, new babies, death of beneficiary, etc. I hear sad stories all the...
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The need for Life Insurance
A person needs to reexamine their life insurance needs every few years because as our life events change so do our needs.
When starting a family, a person needs to consider starting a life insurance policy. In the event that death occurs to one of the parents, there needs to be some insurance that money will be there to help raise and support the rest of the family.
When buying a home, life insurance needs to be considered or reexamined, as well. If a spouse should die, it is important to know that the other spouse could pay the mortgage and bills.
Getting a new job is another life event that requires some thought about life insurance. Most companies that provide health insurance, offer a life insurance policy to their employees as well. It is a great place to start the life insurance policy.
Lets talk about retirement. So many people rely on their 401(K), mutual funds and IRA's to survive after retirement. In the event that the spouse dies before they retire, the other spouse would lose the salary plus the retirement benefits, as
well. Life Insurance would not only be beneficial in this life event, but crucial.
Another benefit from life insurance is that a permanent life insurance policy offers cash value. That means that you could borrow against it for college loans, a down payment for a home, or any personal loan. The lender uses the life insurance policy for a down payment.
So throughout all these stages in a person's life, life insurance should be considered and reexamined to fit the different life changing events. From the day you graduate high school to the day you retire. A qualified life insurance professional can help you decide which policy to start, how much you can afford to pay and how much to open a policy for.
About the Author
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto insurance, life and home insurance that you can research in your pajamas on his website.
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