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Life Annuities & Insurance Article Category 

Articles about or concerning Life Insurance, Annuities, Life Insurance Quote Tips, Life Insurance for Seniors.
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Life Insurance Policy Basics

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 George Manty (March 25, 2010)  What is life insurance? It is a policy that will provide funds to the beneficiary on your policy if you were to pass away. Much like any form of insurance, you will need to pay a premium to keep your policy active. There are many people who debate whether or not life insurance is a necessity. The answer is based on personal preference and current circumstances. Why would someone need a . (Life Annuities)

How To Get The Best Life Insurance Policy For Your Family

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 George Pettit (March 17, 2010)  Getting a life insurance policy is one of the most important things to do when planning for the future. Having a life insurance policy will give you peace of mind for unexpected events that could leave your family without financial restitution. But sifting through various policies trying to find the one that is right for you can be hard. Here are some things to consider when choosing .. (Life Annuities)

The Facts About Whole Life Insurance

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 Frank Rodriguez (February 26, 2010)  Whole life insurance is when a person takes on a life insurance policy that remains in place for his entire life and he pays a yearly premium to the insurance company. There are a number of different kinds of whole life insurance policies. Certain policies like the Non- Participating policy cannot be amended once agreed upon. If the insurance company makes larger profits then it keeps .. (Life Annuities)

Whole of life insurance, have you considered it?

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 Sammy White (February 09, 2010)  Living in the modern world, working and playing hard leaves little time for us to take a step back and take heed of our situation. We often get so blinkered with our goals we forget about the wider picture. We work hard and strive to for more for ourselves and our loved ones, in essence aiming to create a safe and secure future. Why do we so often find in working to our goals of .. (Life Annuities)

Industries That Can Provide Life Insurance Lead Generation

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 Frank Rodriguez (February 09, 2010)  As an insurance agent your sales are determined by the total number of sales that you make. You have a specific quota that you must attain for to meet your goals. Most of the names that are purchased from companies are usually provide poor leads and are a waste of money. There is a better way and for little cost. You can get names from certain industries which will provide life .. (Life Annuities)

The Critical Illness Cover is a mine field, it is important to read the fine print.

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 Sammy White (February 05, 2010)  When we think of financial protection what immediately comes to mind? Life Insurance. A simple product that pays out should the worst happen, is this truly financial protection? What happens if you suffer an illness which means you are unable to generate an income? Well life insurance certainly will not be paying out. When we look at the scope of financial protection life insurance is .. (Life Annuities)

Online Life Insurance Sales Leads To Boost Your Business

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 Frank Rodriguez (February 04, 2010)  In choosing to find life insurance sales leads, you can help create business with qualified leads. This can help you find people that are interested and make sales generation easier while giving you the contacts you need to make the calls. Qualified leads are sometimes offered and you want to get them since in many cases they have been pre-screened for interest. Some will fill out a .. (Life Annuities)

What Are Your Life Insurance Needs?

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 Katie S (January 27, 2010)  Do you need life insurance? If you bring home a paycheck through employment or business ownership, your family might be hard-pressed to meet living expenses without your income. Or, if you are a stay-at-home parent, many of the contributions you make are not accounted for like caring for children, housekeeping, errands, etc. Salary.com created a mom salary calculator to help families .. (Life Annuities)

What Is A Beneficiary When Dealing With Life Insurance?

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 Frank Rodriguez (January 20, 2010)  When talking about a beneficiary, the term is usually pertaining to a life insurance policy. So, what is a beneficiary? The beneficiary is the person or persons to whom the insurance proceeds are payable when the insured dies. In the policy you can name any of the following: one person, two or more people, the trustee of a trust fund that you have set up, a charity or your estate. As .. (Life Annuities)

The right life insurance quote for your specific needs

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 Sandra Cohen (November 24, 2009)  Comparing one life insurance quote from one company to another is a must when you are trying to get the best coverage for you and your family. Premium is the first thing your agent needs to cover when he/she is giving you a life insurance quote, and if a cheap policy is being offering to you, make sure you understand fully what are the implication of this. You also need to make sure .. (Life Annuities)

Life Cover: The Lowdown

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 Adam R. Singleton (August 17, 2009)  The loss or critical illness of a loved one is going to be a difficult time at best so it makes sense to avoid any stress that can be brought about by additional financial burdens. Life insurance is therefore one of the most important policies you will have because it offers protection for family and loved ones during a time of need. As with all types of insurance, there are lots of .. (Life Annuities)

Medicare Basics: Things You Need To Know

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 Sandra Cohen (August 12, 2009)  Signed into law to provide health and economic security for seniors in 1965, Medicare is an important source of health insurance coverage for 45 million people. Today, about 97% of older American have health insurance through Medicare. Being covered by health insurance is vital for people of all ages, but it is especially critical for those with disabilities and those with illnesses .. (Life Annuities)

Launches New User-Friendly Website Offering Free Quotes For Health Insurance Plans

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 Sandra Cohen (August 12, 2009)  Online health insurance resource, Healthcare.com, launches a new website http://www.healthinsuranceplan. us/ to better serve customers. Using the new website, customers can access insurance quotes for many types of health insurance plans. Healthcare.com, a popular online resource for health insurance information, recently unveiled a new insurance quote website to better serve its .. (Life Annuities)

Misconceptions about Life Insurance for Older Buyers

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 Adam R. Singleton (July 06, 2009)  Certain things in life need to be considered, even if they’re not the most pleasant of things to think about. And for many people, life insurance sits at the top if this list - especially if they are over a certain age. However, equipping yourself with knowledge on the different life insurance options available to you will help you make an informed decision, quicker - so you can .. (Life Annuities)

Understanding how insurance companies can limit your coverage.

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 Sandra Cohen (June 26, 2009)  Health insurance is an important aspect of decreasing the cost of everything from surgeries to routine check-ups, but Americans who do not pay attention to the fine print in their plans may find themselves paying more, or with less health care alternatives, than had they taken the time to review their options or taken the advice of a professional. Most people who have a health .. (Life Annuities)

Types of Health Insurance Plans

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 Sandra Cohen (June 23, 2009)  Health insurance plans are a lot like people. While some may appear intimidating, others may give off a more welcoming vibe. Yet, in the end, the internal makeup is essentially the same and the only thing that matters is which type of person, or health insurance plan, fits you the best. However, it may not be prudent to try out various health insurance plans for the right fit, which .. (Life Annuities)

How To Find The Right Life Insurance Policy For Your Family

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 Sandra Cohen (June 19, 2009)  When shopping for a life insurance policy, the first consideration is usually whether you should purchase a term policy or a whole-life policy. More often than not, the small business insurance agent you talk with will suggest that families consider purchasing whole-life insurance. These policies, after all, offer the agents larger commissions. In this article we will explore the .. (Life Annuities)

Mortgage Protection - What is it and why do we need it?

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 Faizan Khuhro (January 10, 2009)  There are a whole stack of reasons to protect your mortgage, the statistics in this Jump Life Insurance article give you details on critical illness and death that many of us do not want to know, but have to face up to sooner or later. Once you have looked at these if you require more assistance deciding if you can afford to have mortgage protection, contact Jump Life Insurance for .. (Life Annuities)

Income Protection - What is it and why do we need it?

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 Faizan Khuhro (December 25, 2008)  Income Protection Statistics According to the research by the Post Office, more and more people who are over the age of 50-years are using credit cards, with 76% having at least one credit card to help cover their spending. Of those who are in their 70's, 64% had stated that they use a credit card to purchase their groceries and weekly shopping. With financial stabilities looking .. (Life Annuities)

Secret to Extending FDIC Insurance With These 4 Tips

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 Fern Alix Larocca (December 15, 2008)  Many people are working hard to open up multiple cash accounts so that they have enough FDIC coverage. Wealthy people know the secret of a Payable On Death (POD) account. A Payable On Death account allows the owner to insure his cash for $100,000 per beneficiary not per person. Here are 4 tips on how they can work for you: 1. A Payable On Death account is just like what it stands for. .. (Life Annuities)

Life Insurance Needs

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 John Karlo (December 15, 2008)  You probably are aware it is important to have enough life insurance coverage to handle the financial contingencies that may affect your family in the event of your death. However, determining the necessary amount of life insurance can be complicated. One general rule of thumb is that you should have enough life insurance to equal five to seven times your annual salary. However, to be .. (Life Annuities)

Credit Crunch Life Insurance

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 Jennifer Quirk (December 15, 2008)  A survey has recently been done that has looked into how the credit crunch is affecting lifestyles and what changes people are making now they have less money to splash around. What has been revealed is that there is a strong suggestion that the rising cost of living is meaning the average British family is getting unhealthier. Families that used to pride themselves on having their .. (Life Annuities)

How Do You Know If You Will Qualify For Term Life?

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 W A Henderson (December 15, 2008)  Did you know that anyone may be able to get a no exam term life policy? The problem most people have getting this type of insurance policy is that they don't know if they qualify and how to get it. There are many insurance companies that will require a physical exam, but then there are others that don't require one. So, how do you know where to go to get no exam term life insurance? The . (Life Annuities)

Characteristics of Non-Registered Annuity

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 Kyle J Norton (December 14, 2008)  An annuity is non-registered when it is purchased with funds from money other than registered plan. Payments made under a non-registered annuity contain your principal and earned interest. Only the interest portion is taxable each year. 1. Non-registered fixed term annuity Annuity payments are fixed for the term of the plan and cannot be changed. The payment amount is determined by the . (Life Annuities)

Primerica Life Insurance

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 Julie Shields (December 14, 2008)  Primerica financial services company has its roots back in 1977, when its founders spearheaded the “buy term and invest the difference" movement that had already taken root in the minds of some Americans as the public was slowly growing disgruntled with the then-trend of being sold whole life insurance. Primerica specializes in term life insurance products. The company does not .. (Life Annuities)

How a Pension Annuity Provides a Retirement Income

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 Steve A Wright (December 14, 2008)  With retirement steadily approaching, some people might assume that they will automatically get an income from their pension from day one, and they need not do anything before the big day. But it is up to an individual as to how they turn a pension fund into their regular income for their twilight years. This is done by buying a pension annuity, which essentially involves swapping your .. (Life Annuities)

How to Choose a Retirement Annuity

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 Steve A Wright (December 14, 2008)  When then time finally comes to give up work, it is important that you have thought about how you will have an income. To enjoy life to the full, a regular source of cash will be needed, and this is what the pension fund is supposed to supply after all these years. Before you finally do retire, your pension fund provider will contact you to no doubt offer different types of retirement .. (Life Annuities)

Types of Life Annuity

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 Kyle J Norton (December 13, 2008)  As we mentioned in other articles the government only represents about 30% of our retirement income, the company retirement pension plan offers another 30% and many of us do not have one. It is up to individuals to invest wisely short and long term in order to make up for the short fall if he or she would like to live comfortably after retirement without giving up some retirement plans. . (Life Annuities)

What Questions Will You Be Asked to Learn If You Qualify For Instant Term Insurance?

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 W A Henderson (December 12, 2008)  Do you know if you qualify for instant term? Many people want to get instant term life insurance, but they don't have any clue if they would qualify, so they don't even bother to get a quote. You need to get a quote and find out from the insurance company that you want to purchase the insurance policy from whether you will qualify. To find out if you qualify, you will be asked some very . (Life Annuities)

Life Insurance - Is it Part of Your Financial Plan?

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 W. G. Moore (December 10, 2008)  Life insurance is really one of the simplest policies in concept. If the insured dies, the insurance company pays the Face Amount to the Beneficiary. Life insurance is a policy that people buy from an insurance provider, which can be the basis of protection and financial stability after one's death. Its function is to help beneficiaries financially after the owner of the policy dies. .. (Life Annuities)

What Does Term Life Insurance Entail?

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 Sarah Martin (December 09, 2008)  A simple definition will answer the question “what is term life insurance?" This is insurance that you take out on your life for a certain period of time. If you die during that term then the insurance company will pay the amount of the death benefit to your beneficiary. You do not gain any monetary benefit from having such a life insurance policy while you are still alive, but .. (Life Annuities)

What is the Best Life Insurance to Have?

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 Sarah Martin (December 09, 2008)  There is no one life insurance policy that fits every individual, so trying to answer the question of the best life insurance is a difficult one. Many people think in terms of getting the most coverage for the lowest price as being the best one for their needs. Since term life insurance is cheaper than whole life, many people take this route when their finances do not permit them to .. (Life Annuities)

What Are Senior Settlements?

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 Joseph Devine (December 09, 2008)  The recession is hitting us all hard.  However, in economic downfall in which prices are rising and the markets plunge, senior citizens are one group that feels the downturn almost immediately.  If you are on a fixed income the change in inflation or the rising cost of medication can be devastating.    In an economy like this, there are many ways that people are trying to get enough . (Life Annuities)

What is the Best Way to Get the Instant Term Life Quotes That You Need?

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 W A Henderson (December 09, 2008)  Do you want to get term life insurance, but you want to shop around and do some comparing first? Then you need to know what the best ways are to get the instant term life quotes that you need. It is always a smart idea to compare the different term life insurance quotes from as many different companies as you can. This will help you find the insurance that you need at a price that you .. (Life Annuities)

Cash Value Life Insurance - Why Cash Value Life Insurance is Death to Your Financial Future

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 Russell Longcore (December 09, 2008)  Cash value life insurance is the most widely sold life insurance product in the world today. It is also the insurance product that is WORST for your Finances. These products are also known as: • Whole Life • Universal Life • Variable Life • Interest Sensitive Life • Non-Participating Life (no “dividends") • Participating Life (pays “dividends") . (Life Annuities)

Important Need to Know Information Before You Search For Instant Life Quotes

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 W A Henderson (December 08, 2008)  Do you want to get life insurance to make sure that your family is well taken care of if the unthinkable should happen to you? Then you need to know some important information about getting instant life quotes, before you start searching. This will help you find the best price with the right life insurance quotes, so you are not paying more than you can afford. So, what important .. (Life Annuities)

Life Insurance and Marriage

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 Kamil Abbasov (December 08, 2008)  First of all life insurance is supposed to cover your spouse and your children if something happens to you. However, if you buy the policy before you are married, your spouse and children might not be listed as the beneficiaries of them money. Therefore, when you get married, you need to contact your insurance company and make sure that your spouse and children will be getting the money . (Life Annuities)

Life Insurance Companies Are Feeling the Effects of the Financial Turmoil

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 Julie Viola (December 08, 2008)  The economic and financial turmoil that has enveloped the entire world has huge effects on life insurance companies. The effects can be heard on the walls of the investment companies who have relied on these insurers as a sound and consistent investment option. The signs are all over the place or are on the news and magazines and online press releases. One of the biggest effects is the .. (Life Annuities)

Financial Crisis Has Spike Life Insurance Buying

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 Julie Viola (December 07, 2008)  Every time there is an economic crisis, it is bound to have huge impact on all facets of our lives. From your grocery food items, mortgages, gas and fuel to life insurance have so many effects on how we do things. Life insurance companies may be having a good time right now as many people are looking for protection and security. Insurers are really benefiting from the financial crisis. .. (Life Annuities)

Whole vs Term Life - Why Term is the Better Option For You

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 W A Henderson (November 24, 2008)  As you size up your options and consider the different variables of whole vs. term life, you are going to run across a number of opposing arguments. You will probably find benefits to both types of life insurance. However, for many people the answer to this question is term. The primary difference between the two is that a term policy is life coverage only. As the person insured passes . (Life Annuities)

Life Insurance - Take Cover

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 Michael Challiner (November 24, 2008)  In the extensive field which is insurance, life insurance stands out as one of a few which is usually taken out for someone else's benefit. Insurance covering house, mortgage, valuables, travel etc. is intended to cover the holder against loss as a result of accidents, breakdowns, delays, theft and a vast number of other circumstances. Life insurance on the other hand is usually .. (Life Annuities)

Life Insurance - Terrorized Into Buying?

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 Michael Challiner (November 24, 2008)  Life insurance is a useful investment to have in your portfolio. It can give you peace of mind, with the knowledge that your family have been provided for in the event of your death. Alternatively it may provide you with a nest egg if you have chosen an endowment mortgage and then lived through to the end of the term. How much thought have you given to it in recent years? Did the .. (Life Annuities)

Term Life Insurance - Show You Care

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 Chimerenka Odimba (November 23, 2008)  Many young people hate thinking about the possibility that they might have their lives cut short. Its not any bodies prayer and if a young person is unmarried and has no one dependent on them then a term life insurance policy really wouldn't be a need. But if you have a young family who are depending on you, then you are bound if you really love them to take out a policy that ensures .. (Life Annuities)

Life Insurance Can Be Found Cheaper Online

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 David H Thomson (November 20, 2008)  Life insurance offers so much more than being able to pay for the funeral costs after you have gone, although of course it would provide your loved ones with the money to pay for this. Life cover offers the peace of mind that at least after you are gone your family would be provided for when they needed it the most. While life insurance would not ease the pain of losing a loved one it .. (Life Annuities)

Life Cover For Peace of Mind

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 David H Thomson (November 20, 2008)  While none of us like to contemplate our death, life cover provides enormous peace of mind for your loved ones in the event that you should die. It would provide them with financial security during a time when they need it the most and if you compare quotes you are able to make great savings on insurance. One of the easiest ways to do this is to allow a specialist broker to search on .. (Life Annuities)

What Limitations Should You Be Aware of With Instant Life Quotes?

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 W A Henderson (November 20, 2008)  When it comes to life insurance, it is vital you do your homework so you understand exactly what you are getting. Something you certainly want to do prior to settling with anything is get various quotes. There are certain limitations and restrictions you will want to become familiar with when it comes to instant life quotes. You want to research and learn about the different .. (Life Annuities)

How to Make Savings on Life Protection Insurance

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 David H Thomson (November 20, 2008)  To make savings on life protection insurance you would have to compare life insurance quotes and one of the easiest ways of doing so is to allow a specialist provider to search around on your behalf. A broker will be able to search with some of the top UK insurance providers to find you the best deals and then deliver the quotes to you so that you are able to find the most suitable .. (Life Annuities)

Affordable Life Insurance With Term Life Cover

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 David H Thomson (November 20, 2008)  Term life cover is one of the most affordable ways of obtaining life insurance and is also one of the most popular types. You would choose the amount of life insurance you want which is based on many factors over a period of time and if you should die your family would get the sum you insured. However if you were to outlive the policy it would simply cease and there would be no payout. . (Life Annuities)

Risks to Astronauts

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 David John Martin (November 19, 2008)  Everyone knows that when it comes to buying a life insurance policy, high risk jobs such as acting, working on an oil rig or being an aircraft pilot will all push up the price quite considerably. What, then, does this mean for astronauts - those heroes among us who choose to get blasted into the atmosphere in a matter of seconds? Let's have a look at the risks. I suppose we must at .. (Life Annuities)

Life Insurance - Weigh the Options

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 Michael Challiner (November 19, 2008)  Since the days of rationing in the 1940s and early 1950s the diet in this country has improved out of all recognition and then slowly gone downhill. The ration limits of very small amounts of fatty foods (no butter at all), along with minuscule amounts of meat and a generally low calorie value to any meal produced a lean and in many ways fit population, although lacking in staying power . (Life Annuities)




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