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Cure The Insurance Blues By Lowering The Cost of Your Premiums
Does the current amount that you pay on your insurance premiums keep you awake at night? If so you’re not alone. In today’s fast paced society many people are looking for ways to save money unfortunately this can lead to scrimping and watching where...
Discount Life Insurance
Life insurance is a type of insurance policy that provides financial security and peace of mind for you, your family and dependants. It is based on the simple principle that should you die during the term of the life insurance policy, the person(s)...
Moneynet promotes greater financial understanding for consumers with new life insurance product guide
Moneynet.co.uk, the UK’s most established personal finance research and data website, has published the latest edition in its series of online product guides to help consumers get to grips with the increasing complexity of personal finance products....
The Importance of Medical Insurance
A medical policy is an essential product to be considered in managing risk in lives. Anyone can be a victim of critical illness/dread disease and it can happen at the most unexpected time and the person can be in deep trouble, not knowing what to do...
Understanding Insurance Fraud
Insurance fraud is the second costliest white-collar crime in
America, after tax evasion. It is estimated that $80 billion is
paid out each year in fraudulent insurance claims. It is
estimated by the Coalition Against Insurance Fraud that...
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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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