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Beat Your Competition By Controlling The Cost Of Your Health Insurance
As many of us expect, the New Year will bring both tremendous challenges and opportunities for all of us both personally and professionally. Employers continue to face the major challenge of controlling the cost of their health insurance and other...
Business Insurance
The success and progress of a business, whether, it is a large scale business or small scale business or home based business is dependent on hard work. It doesn’t matter how good you are earning, one disaster like fire or theft can wipe out all your...
Disability Insurance for the Long Term
Disability insurance covers you for an extended period of time. Should you be injured or take ill and as a result be unable to perform the duties of your employment, you will be covered under short term disability, then long term disability...
Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset
Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset © 2002 Elena Fawkner "I've been considering quitting my full-time job and getting a part-time job that would pay the bills [so I can start a home business] ......
Understanding Your Insurance Claim
If you are involved in an accident it is important that you know the proper procedure for filing an insurance claim. You will most likely need to deal with one or more adjusters who will determine the insurance salvage. Follow these simple tips to...
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What you need to know about Life Insurance
It's an unfortunate fact of life, but each of us is going to die
someday. In the back of people's minds is that if they buy life
insurance, it will somehow hasten their demise. Not smart. And
not true.
Remember the Boy Scout's motto "Always be Prepared". With that
in mind, you can calmly surf the internet and look for the life
insurance policy that best suits your needs, and your budget.
There are four types of life insurance you can get. There are
three types of permanent life insurance and a term life
insurance. Of the three permanent life insurance polices, the
one with the most guarantees is traditional whole life
insurance, but most have guaranteed and non-guaranteed portions.
There are different riders that you can include but be sure to
include the waiver of premiums rider in your life insurance
quote. This rider suspends your premium payments and keeps your
policy active should you be unable to work.
Here is a basic overview of the 4 types of Insurance.
Whole Life Insurance Policy
If you're not a risk taker, then whole life insurance is for
you. But what do you ask for when you want a whole life
insurance quote? You should ask if the annual premium is
guaranteed and there is guaranteed minimum cash value and death
benefits. Almost all whole life
insurance policies are
"participating". This means they earn dividends and the
dividends can be applied to reduce the premium, increase death
benefits, and can be refunded or to increase the cash value.
Universal Life Insurance
Universal life insurance is the most flexible of all. Premiums
can vary year to year and can even be skipped. It has maximum
guaranteed benefits and minimum cash values and death benefits.
Variable Life Insurance
Variable life insurance has fewer guarantees so it has the
greatest potential for cash value increases. There are required
guaranteed annual premiums and minimum guaranteed death benefit.
There isn't a guaranteed cash value and you have your choice of
investments such as mutual funds.
Term Life Insurance
Term Life insurance is the easiest to understand. Terms can be
5,10 or 20 years. Premiums can increase yearly and even decrease
for a period. If you die, you collect, it's that simple. If you
stop making premium payments, you become uninsured.
Choose the path that makes the most sense for you, your family
and your budget.
About the author:
Bob Buckham is webmaster of http://www.canadalifeco.com and has
been contributing insurance and mortgage articles to the finance
industry for years.
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