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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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Want to Pay Less Tax? Pension Life Insurance Could Be the Answer

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 Michael Challiner (November 19, 2008)  If you want to pay less tax - and who doesn't? - there is a new way of reducing your overall bill. And it is also a way to get really cheap life insurance. But before you rub your eyes and try to wake up, read on as we investigate whether this is as good as it seems! Beginning on the 6th of April 2006, if you pay for life insurance cover at the same time as paying into a pension plan, .. (Life Annuities)

The Servicemen's Indemnity and Insurance Acts

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 Sarah Martin (November 19, 2008)  The Servicemen's Indemnity and Insurance Acts of 1951 provide for the payment of an indemnity of $10,000 in the event of the death of a person in active service with the Armed Forces and also amended the National Service Life Insurance Act of 1940. Members of the Armed Forces on active duty on and after June 27, 1950, are automatically insured against death, without cost, for $10,000. .. (Life Annuities)

State Insurance Carriers

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 Sarah Martin (November 19, 2008)  State insurance carriers offer hail insurance, life insurance, workmen's compensation insurance, unemployment insurance, disability insurance, second-injury funds, and Torrens title insurance. Of course, in the beginning not every state had all these funds. In fact, only Wisconsin had a life fund at first; and very few states had hail insurance, title insurance, or disability funds. .. (Life Annuities)

Life Insurance - The Basics of How the Cost is Affected by Your Lifestyle and Medical History

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 Neil D Robertson (November 18, 2008)  Life insurance premiums are worked out in a very scientific way, using statistics relating to tens of thousands of people and how they lived and died. What are the major factors used to determine the cost of your life insurance? Age Your age at the time you apply is clearly important since (everything else being equal) you are more likely to die within an insured period the older you .. (Life Annuities)

Is it Even Worth the Trouble to Get No Exam Term Life?

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 W A Henderson (November 18, 2008)  When considering the various options of life insurance, you will run into the possibility of getting no exam term life. What this is is life insurance that does not require a medical exam. Initially this may sound like the way to go, but then you read on about the disadvantages and limitations that come with it. By getting no exam term life insurance, you are subjected to a number of .. (Life Annuities)

Income Planning, Retirement Planning and Annuity Solutions to Insure You Never Outlive Your Money

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 Sandra Skidmore (November 18, 2008)  Some Annuity Owners are positioned to lose a significant portion of their annuity's value to taxes, and most are not even aware of the problem. The IRS is not required to notify annuity owners about an exemption to the tax code that could save thousands of dollars in income and estate taxes. Below are 10 tips to keep from making huge mistakes. 1. Clearly Define your needs before .. (Life Annuities)

Life Insurance For the Troops

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 Barry Loughran (November 17, 2008)  Troops who are risking their lives on a day to day basis are having their life insurance premiums shot up if they are posted abroad in an active war zone such as Iraq or Afghanistan. Soldiers also have to insure the equipment they use as they are responsible for replacing any damaged or destroyed military equipment. Soldiers are given standard insurance but can receive a lot higher .. (Life Annuities)

Life Insurance Payouts Diminishing

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 Barry Loughran (November 17, 2008)  First it was the banks to be hit on a global scale by the credit crunch and with many other companies following suit, we ask who is next? Companies will be taking extreme cautions to stay afloat in the financial crisis and insurance providers are likely to be hit next, in particular, life insurance providers. Life insurance providers are increasing their penalty charges on their .. (Life Annuities)

Life Insurance - Do Not Lie

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 Barry Loughran (November 17, 2008)  If you lie on your life insurance policy you are at risk of having your policy cancelled which will result in no payout if you wish to make a claim in the event of a death or critical illness. This will leave thousands of people left to struggle with repaying the mortgage which they thought was covered in their policy. Life insurance companies currently reject around 20% of policies due . (Life Annuities)

Slumping Mortgages Make Life Insurance More Affordable

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 Stephen Sikes (November 17, 2008)  You may have thought that nothing good could come from the current mortgage crisis, but you would be surprised. One positive thing will become quickly noticeable if you are in the market for life insurance. While you may not see the correlation between mortgages and life insurance, you just need to understand a thing or two about mortgage insurance to see how this is working. Mortgage . (Life Annuities)

Current High Yielding Annuity Interest Rates

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 Adam Hyers (November 17, 2008)  The Federal Reserve recently lowered key interest rates in order to battle the current credit crisis. This is not good news for bank investors who have relied on certificates of deposit and money market savings accounts to save and/or generate income. When inflation is factored in, most bank instruments returns are at historical lows. Additionally, the volatility in the stock and bond .. (Life Annuities)

How to Get Cheap Life Insurance

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 Brad Huntington (November 16, 2008)  In the unfortunate event of your death, you will likely want to make sure that your spouse and children are taken care of. Your family's financial obligations do not end upon your death. The mortgage still needs to be paid and your children still need money for college. Taking out a term life insurance policy is an affordable way to provide you with coverage in case of such a tragic .. (Life Annuities)

Valuing a Life Settlement Policy - How is it Done?

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 Ron Lofgren (November 16, 2008)  There are four things that must be known by the funder (or provider) to value a policy for a life settlement: Death Benefit of the policy Premiums that must be paid (normally until the date the policy ends) Life expectancy of insured (both insureds if there are two insureds) Age of insured (both insureds if there are two insureds) Death Benefit - Normally an illustration is needed that .. (Life Annuities)

How You Go About Taxes on Life Insurance

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 Juling Gabas (November 15, 2008)  Most people whenever they received or has been named to be recipient of a death benefit, the first thing that comes to mind is how to go about taxes on life insurance. You really cannot escape this question as it will always burdens you what portion if any would be taxed. On most occasions you do not need to pay taxes on life insurance death benefit. But you have to remember that all .. (Life Annuities)

The Steps to Finding Cheap Life Insurance

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 Harvey McEwan (November 14, 2008)  None of us buy life insurance regularly. For most people, it's a purchase made once and simply reviewed (usually half-heartedly) every few years. With this sort of approach, you can't expect to become an expert in the field of life insurance. Of course you can rely on professional advice, but the vast majority of advisors will have a vested interest in you taking a particular course of .. (Life Annuities)

Where Does Safety Come From?

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 Robert Zimmerman (November 14, 2008)  At a time when the entire world is suffering from financial shell shock, there comes a report from a major financial Wall Street firm calling into question the financial integrity of annuities and insurance companies in general. To reinforce this report, a popular television program comes forth with the question of how anyone can put their money into an annuity contract. (Talk about .. (Life Annuities)

Life Insurance Quote to Determine the Price of Getting Insured

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 Juling Gabas (November 14, 2008)  Most people who are looking to get insured and have their family and business protected needs to be looking at how much it will cost. And you cannot blame people asking how much the price of getting insured is. But then you need to decide on what type of life insurance and the amount you are going to insure yourself. Here is where you need life insurance quote. Life insurance quote can .. (Life Annuities)

Can Life Insurance Quotes Determine How Much it Does Cost?

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 Juling Gabas (November 14, 2008)  While most people would ask how much does life insurance cost , rather than determining the type and amount of getting insured. It is a fact that most of us would be interested to know how much it will cost us. But you cannot arrive at the solution to your question without knowing first the type of life insurance you plan on purchasing. To determine the cost of insuring, you need to get . (Life Annuities)

How to Define Term Life Insurance

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 Bernard B. (November 14, 2008)  What is term life insurance? I found a definition on Wikipedia to help define term life insurance. Term life insurance or term assurance is life insurance which provides coverage for a limited period of time, the relevant term. After that period, the insured can either drop the policy or pay annually increasing premiums to continue the coverage. If the insured dies during the term, the . (Life Annuities)

How to Define Whole Life Insurance

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 Bernard B. (November 14, 2008)  I went to Answers.com to define whole life insurance. A type of life insurance contract that provides for insurance coverage of the contract holder for his/her entire life. Upon the inevitable death of the contract holder, the insurance payout is made to the contract's beneficiaries. These policies also include an investment component, which accumulates a cash value that the .. (Life Annuities)

Advantages of Whole Life Insurance - The Benefits That Can Increase Your Wealth

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 Bernard B. (November 14, 2008)  Advantages? Yes! The advantages of whole life insurance can provide safety, security, and wealth. This financial product. . . 1. Enables you to implement the Infinite Banking Concept. Learn how to recapture the interest that you pay to banks. Finance your purchases such as cars, college tuition, and investments through your own personal bank. 2. Consists of a guaranteed “cash .. (Life Annuities)

Industrial Life Insurance

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 Sarah Martin (November 13, 2008)  After the war it became clear that life insurance service to the wage earners of the United States and Canada was the central theme of Metropolitan history. It determined the character of the company's development as has no other single factor and its imprint is clearly marked upon the pattern of the Metropolitan's activities. It explains the development of the Industrial Department, .. (Life Annuities)

Life Insurance Cost

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 Wan Firdaus (November 13, 2008)  One of the best ways to know how much life insurance costs is to go online and search for life quotes. Fill in the blanks on these sites that offer the services and within minutes you get the results. Buying how-much-does-life-insurance-cost-format you are getting high quality safety software and guaranteed program support by how much does life insurance cost llc. This is the easiest .. (Life Annuities)

How Much Does Life Insurance Cost and How Much Do I Need

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 Shellaine Cabrido Enfesta (November 13, 2008)  Most people when shopping for financial protection and security for their family, business and loved ones will ask how much life insurance do I need. This question pertains to another question that most people ask like how much does life insurance cost. Both these questions will have effect on each other. The amount of policy coverage will definitely have some effect on the cost of .. (Life Annuities)

Understand Extension of Life Benefits, Accidental Death and Dismemberment of Group Insurance

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 Kyle J Norton (November 12, 2008)  As we mentioned in the other articles, many corporations will offer competitive packages, and that's even a strategy in hiring and retaining employees. These competitive packages include group insurance to plans that provide individual retirement accounts or traditional registered pension plans, etc. In this article, we will discuss the extension of life benefits, accidental death and .. (Life Annuities)

Insurance - Can You Live Without It?

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 Jay Tillotson (November 12, 2008)  Almost a quarter of adults in the UK confess to having no life insurance policy. In addition, people are also going without insurance on their home, holidays and even their health because of a need to tighten purse strings. 24 percent of Brits have no life, home, medical or income insurance at all, and a further 42 percent have tried to reduce household expenditure by cutting out .. (Life Annuities)

Tips For Life Insurance

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 Monique Beidleman (November 11, 2008)  I once told a good friend of mine that if she needed assistance or tips for life insurance, I was here to help. I always mentioned she needed life insurance, but she held it off time after time. She knew she needed it. She was fully aware that if anything should happen to her, her family would not be able to pay the mortgage payments. She knew how important it was, but she just .. (Life Annuities)

Term Life Insurance Quote - Amazing Secrets to Lowering Your Rates

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 Daniel Wright (November 11, 2008)  As a result of rising funeral costs and as a hedge for replacing any lost income in the event of the death of a loved one, most families will have life insurance coverage for each member. Choosing the best policy for you and your family provides comfort not only because it provides benefits in the event of a death, but other helpful benefits also. You will find that there are many .. (Life Annuities)

Group Insurance 04 - Understand Benefits, Survivor's Benefits and Taxation of Group Insurance

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 Kyle J Norton (November 11, 2008)  As we mentioned in other articles, many corporations will offer competitive packages, and that's even a strategy in hiring and retaining employees. These competitive packages include group insurance to plans that provide individual retirement accounts or traditional registered pension plans, etc. In this article, we will discuss benefits, survivor's benefits and taxation of group .. (Life Annuities)

How Term Life Insurance Works

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 Juling Gabas (November 11, 2008)  For many people term life insurance is the simplest way to get life insurance. This type of insuring yourself is sold for a specific number of years usually ten, twenty or thirty year policies. You will be covered for a specified period of time until it expires and you may either renew or purchase a new policy. Most life insurance companies offer this type of getting insured. The policy . (Life Annuities)

Women - Life Insurance and Money

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 Michelle Oliver (November 11, 2008)  As women, we sometimes have a tendency to leave financial matters to the men. Sure, we balance our checkbooks, keep a monthly budget and probably manage the household finances. But how many of us have built a solid financial foundation for ourselves? As a member of the financial services industry, I've had the chance to review many different portfolios, all belonging to women of varying . (Life Annuities)

An Interview With R Nelson Nash

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 Bernard B. (November 11, 2008)  R. Nelson Nash discovered the formula to building wealth using the sound principles of an industry that has been deemed the foundation of the United States economy: Banking. He is the creator of the Infinite Banking Concept and renowned author of Becoming Your Own Banker. This concept uses dividend paying whole life insurance policies to create a personal bank. We appreciate R. Nelson .. (Life Annuities)

The Living Benefits of Whole Life Insurance

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 Bernard B. (November 11, 2008)  What are the living benefits of whole life insurance? Do they exist? We often hear that it is the worst financial product. What if the opposite were true? When would you want to know? If I were under the wrong impression about anything, I would want to find out as soon as possible. Having the wrong information about any sort of financial product or strategy can mean a loss of a lot of .. (Life Annuities)

Life Insurance Policy Loan - Learn How to Make Money While Borrowing Money

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 Bernard B. (November 11, 2008)  What makes a policy loan better than a getting a loan from a bank? Everyone is familiar with the conventional way of borrowing money from a financial institution. But, . . . What if there was a way for you to get instantly approved? What if you didn't need to have good credit? What if you could have flexible terms in the event you can't repay the loan in a timely manner? What if you .. (Life Annuities)

What Does Term Return of Premium Have to Offer You?

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 W A Henderson (November 10, 2008)  With so many different kinds of life insurance policies to choose from, it can be difficult deciphering one from another. One of your many options to choose from includes term return of premium. There are several appealing features that makes this a legitimate option for you to consider. Although being a fairly new option to consider, it has already gained popularity. Unlike many other . (Life Annuities)

Understand Fundamental Principles and Advantage of Group in Group Insurance

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 Kyle J Norton (November 10, 2008)  As we mentioned in previous article, many corporations offer competitive packages, and that's even a strategy in hiring and retaining employees. These competitive packages include group insurance to plans that provide individual retirement accounts or traditional registered pension plans, etc. In this article, we will discuss fundamental principles and advantage of group insurance Group . (Life Annuities)

Group Insurance - Understand Premium Rates, Experience and Pooled Basis of Group Insurance

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 Kyle J Norton (November 10, 2008)  Many corporations will offer competitive packages, and that's even a strategy in hiring and retaining employees. These competitive packages include group insurance to plans that provide individual retirement accounts or traditional registered pension plans, etc. In this article, we will discuss premium rates, experience basic and pooled basis of group insurance. 1. Premium rates .. (Life Annuities)

Tax Exempt Vs Non Exempt Universal Life Insurance Policies

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 Kyle J Norton (November 10, 2008)  As we mentioned in previous articles, UL plans are unbundled, the various components of the plan such as insurance charges and earned interest can each be isolated and quantified. Consequently, they are much easier to understand and explain than traditional bundle permanent life insurance products. In this article, we will discuss tax exempt vs non exempt universal life policies. In .. (Life Annuities)

Term Life Insurance in Corporate America - Is it Enough?

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 Michelle Oliver (November 10, 2008)  These are the words I often asked when I am discussing financial needs with my clients. I usually respond by asking, I am sure you have it at work and it is two or three times your salary, right? My clients nod and I confidently say, exactly. Let's look at a hypothetical example. Suppose someone is making $30,000 a year and the company matches two times that salary in life insurance. .. (Life Annuities)

Understand Universal Life Insurance Surrender Charge

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 Kyle J Norton (November 09, 2008)  As we mentioned in previous articles, UL plans are unbundled, the various components of the plan such as insurance charges and earned interest can each be isolated and quantified. Consequently, they are much easier to understand and explain than traditional bundle permanent life insurance products. In this article, we will discuss the surrender charge in the universal life policy. The .. (Life Annuities)

Understand the Benefits and Riders of Universal Life Insurance

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 Kyle J Norton (November 09, 2008)  As we mentioned in previous articles, UL plans are unbundled, the various components of the plan such as insurance charges and earned interest can each be isolated and quantified. Consequently, they are much easier to understand and explain than traditional bundle permanent life insurance products. In this article, we will discuss the benefits and riders in the universal life policy. .. (Life Annuities)

African Americans and Life Insurance - A Rocky History

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 Julie Shields (November 09, 2008)  As with many things in the United States that should not be, the selling and buying of life insurance to the black American community has often been poisoned with racism-or, perceptions of racism. Even such known white anti-slavery advocates as Thomas Jefferson were deeply concerned that even if blacks got their eventual freedom and full citizenship in the United States, they would .. (Life Annuities)

Getting Online Life Insurance Quotes

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 Julie Shields (November 09, 2008)  Getting online life insurance quotes can make the whole often tedious process of finding the best-priced life insurance for your needs a lot simpler, more streamlined. The Internet has revolutionized many, many processes of information gathering, and finding the most competitive prices in life insurance is no exception. Making telephone calls and setting up meetings with different life . (Life Annuities)

Key Man Life Insurance

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 Julie Shields (November 09, 2008)  One of the most significant uses of life insurance in a business is “key man insurance". With key man insurance, your business financially secures itself against the potential early loss of someone who is so vital to the company's profits or continuance that without them it's a very realistic possibility that your company will suffer severe financial losses or have to fold .. (Life Annuities)

Understanding the Average Price of Life Insurance

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 Shellaine Enfesta (November 09, 2008)  Getting financial protection for your family, love ones and business can sometimes feel difficult. In order for you to get a better handle on how to go about it is to understand the average cost of life insurance. Most people who are in the market for life insurance will ask what is the average price of life insurance . But knowing the average cost or price will entail quite a bit of .. (Life Annuities)

A History of Annuities

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 Steven Hart (November 09, 2008)  Many people today make use of annuity as for retirement, but it is not a new instrument. Back during the time of the Roman Empire, citizens could obtain what was known as an annual stipend, or annua. In exchange for a one-time disbursement to the annua, the citizen would get a payment back every year for the rest of their lives. This practice continued to evolve over time. By the .. (Life Annuities)

Understanding What is the Average Price of Life Insurance

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 Shellaine Enfesta (November 08, 2008)  There are so many factors to consider when you plan on buying life insurance for your family and love ones financial protection. You ought to know or have an understanding what is the average price of life insurance. And the life insurance companies that offer the type of insuring that you are looking for. Some people do not have any clue as to what is the average cost of getting them .. (Life Annuities)

Affordable Term Life Insurance: Have You Compared Rates Recently?

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 Daniel Wright (November 07, 2008)  Permanent and term are the two main types of life insurance policies. With a permanent life policy you have lifetime coverage as long as the contract terms are not broken, like missing payments. A permanent life policy is considered a financial investment for the policy holder as well as providing money to the beneficiary in the event of the death of the policy holder. Affordable term .. (Life Annuities)

Any Insurance is Better Than No Insurance

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 Chris Clare (November 07, 2008)  Over the boom time I have seen many clients take out mortgages and with little concern for what might happen in the future. It was very much a live for today and worry about tomorrow, well tomorrow, and we all know tomorrow never comes. Now the good times are over and the hard times have not only begun but begun in earnest, it is now that people should be revisiting their decision not .. (Life Annuities)

Understanding How Much Does Life Insurance Cost

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 Shellaine Enfesta (November 07, 2008)  Far too many people do not have the understanding how much does life insurance cost. Understanding how much does it cost to get insured is not actually easy to do. There are many factors to consider if you want to know how much it will cost insuring yourself. If you want to get insured, you need to know first what type of life insurance you would like to purchase. Then you need to .. (Life Annuities)




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