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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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What to Look For in Life Insurance Cover

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 David H Thomson (October 13, 2008)  Life insurance cover does not have to be expensive if you look around and compare the costs for the various types that are available. In the event of your death, with a life insurance policy your family could have the money needed for essential outgoings each month, giving them peace of mind at least financially and easing their stress as they cope with your loss. However you do have .. (Life Annuities)

The Benefits of Taking Out Term Life Insurance

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 David H Thomson (October 13, 2008)  No one is immortal and so protecting your life against the day when your time comes is imperative if for nothing else but the peace of mind of knowing financial problems will not arise for the ones you leave behind. Considering term life insurance could be an option for anyone who wants to ensure that their loved ones will not be financial distress at an already stressful time. Often .. (Life Annuities)

Buying Life Cover

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 David H Thomson (October 13, 2008)  While none of us like to think about our mortality, if you want to ensure that those you leave behind are financially comfortable then considering buying life cover is a necessity. Certainly, looking on the internet for information and getting quote from a specialist life insurance broker is often the best way to go about taking out valuable security. There are various forms of life .. (Life Annuities)

3 Reasons You Can't Ignore Life Insurance

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 Stephen Sikes (October 13, 2008)  As you get your financial situation in order for you and your family, what thought have you put into life insurance? You may feel healthy and just fine for now, but have you considered what would happen if something tragic were to befall you? If not, you're not alone. Many people don't think about life insurance when they are young, thinking they have a lot of years before it becomes an . (Life Annuities)

6 Things Life Insurance Needs to Pay For

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 Stephen Sikes (October 13, 2008)  If you have a family and have taken care of the important family insurance policies such as home, health and car insurance, there may be one you are still missing - life insurance. If something were to happen to you, your family could end up in a very tough situation. Without the money you had been bringing in, they could lose the things you had all built together and have to struggle .. (Life Annuities)

Investing in Annuities Looking Better Each Day

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 DJ Raymond (October 13, 2008)  The economy is on the verge of collapse. The financial markets are costing investors millions of dollars with each passing day. Personal bankruptcies are being filed nationwide at an alarming pace. Investing in real estate, traditionally a cant lose proposition has caused mortgage companies billions in failed mortgages. Still there are people who have money to invest, but with such an .. (Life Annuities)

Life Insurance - Tips to Clear Medical Examination

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 Manuel Manolo (October 13, 2008)  Life insurance has become the most common thing that every human has or is interested to know about. The market today is flooded with so many options which a user can choose from, it is intimidating to decide. In the process of growing up, some part of you has been constantly worrying about the future. When you are single you have no dependents and party all your savings and have a fun . (Life Annuities)

Life Insurance - Purchasing the Right Policy

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 Manuel Manolo (October 13, 2008)  Humans today are very well aware of their options and know what to do for a bright future; thanks to the evolution of internet we have the world of information right at your fingertips. The importance of investing in the right insurance policy can do wonders to your live. It not only relieves you from stress but also ensures that your loved ones are safe. But many among us are .. (Life Annuities)

Has Your Nest Egg Cracked?

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 Cal DesVoigne (October 13, 2008)  These are not good economic times for a lot of people. And if you are near retirement or are already there, your ‘nest egg’ probably has diminished. Consequently your current (or projected) income level has dropped and the length of time it will last is reduced. If your fund sources are in securities, no doubt the values have decreased. And when market conditions start to .. (Life Annuities)

Is Your Life Insurance Or Annuities Safe?

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 Cal DesVoigne (October 13, 2008)  With the current events of the financial markets, with loss of banks and the bailout of one large insurance company, you might wonder what happens to your life insurance or annuity policies in the event your insurance company fails. These certainly are not normal times. No doubt we will see more consolidation with banking and insurance companies. Generally, if a life insurance company .. (Life Annuities)

Opportunities For Life Insurance For Cancer Patients Increase

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 Cal DesVoigne (October 13, 2008)  The initial stress of being told that someone has cancer can for many people be devastating. The experience can either be negative or many remain positive about this life event. Either way, a lot of thoughts and feelings are going on during this time. Many times the thought of “I should have bought (more) life insurance before this happened" comes up. And in the past, the .. (Life Annuities)

Instant Term - How to Protect Your Wealth

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 W A Henderson (October 13, 2008)  This is America! And everyone knows there are many different ways to build wealth. Have you ever sat back and thought of what you would do with all the wealth you hope to create? Would you jet-set around the world raising cane and having as much fun as you possibly could afford or would you invest your money to help secure your family's future? There is no wrong answer to this question .. (Life Annuities)

About Inexpensive Life Insurance

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 Kevin Wynn (October 12, 2008)  Everybody who has loved ones to take care of in life wants to be sure that those loved ones are also taken care of after they are gone. There are a few ways to do this and life insurance is certainly the most popular of them. But there are so many different types of life insurance that it is difficult to know what to purchase unless you are informed of them all. You might be tempted to . (Life Annuities)

Types of Life Insurance You Need to Know

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 Dilip V Mohan (October 10, 2008)  There are two types of life insurance policies: 1. Whole life insurance policies 2. Endowment policies Whole Life Insurance Policies It refers to those policies in which the premiums are payable periodically up to the death of the insured. The sum insured is payable to the legal heirs either as lump sum or as annuities. These policies can be taken for all people. Usually there is no age . (Life Annuities)

Term Life Insurance - Basics

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 Dilip V Mohan (October 10, 2008)  Insurance is a cover for some unforeseen contingency bought at a cost called premium. There are broadly two types of insurance - one, life insurance for individuals both as cover as well as savings, the other is general insurance for loss of articles, things etc. Life insurance is again of two types - whole life insurance and term insurance called endowment policy. Life insurance is .. (Life Annuities)

How Does Life Insurance Work?

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 Dilip V Mohan (October 10, 2008)  Insurance works on the best commercial principles like any other commercial venture. The basic business model of an insurance firm can be described thus: (Premium collected Profit on investments made from the premium collected) - (Administrative costs Investment costs Payout on insurance claims) Insurance companies should have the following traits to succeed: 1. To find a large number .. (Life Annuities)

Life Insurance Basics For All

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 Dilip V Mohan (October 10, 2008)  Insurance is covering risk at a cost. The insurer covers the risk of a particular contingency occurring to the insured for a cost called the premium. The insurer assures to pay a particular sum (called ‘sum assured') for a premium payable by the insured up to the period agreed. There are two types of insurance - life insurance and general insurance. Life insurance is of two types . (Life Annuities)

Life Insurance - Consider Your Financial Situation Prior to Investing in the Policy

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 Manuel Manolo (October 10, 2008)  All our life we humans are working under pressure to make the best of our present that we do not concentrate on the future. In the whole process of struggle you miss on some great opportunities which may change your life for good. Look around and be open to ideas that come your way despite the hectic lives you have. If you keep an open mind and are receptive to the policies you can make . (Life Annuities)

Instant Life Quotes - Arguably the Best Site

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 W A Henderson (October 10, 2008)  Listen there are a lot of good instant life quotes websites on the internet these days. If you want to work with the one that is arguably the best, you need to know what you're looking for. That is exactly why I am going to run you through the whole process and let you see the questions that you will have to answer to get an instant life quote. 1. The first couple of questions are .. (Life Annuities)

Quotes For Life Insurance Online

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 Francesca Hammerstein (October 09, 2008)  Over the course of the past few decades the market for life insurance has become extremely competitive. This high rate of competitiveness has been and continues to compel life insurance companies to continually introduce new promotional offers and policies in the hopes of garnering a greater share of the market for their product. Compare Premiums Online As a general trend however; it .. (Life Annuities)

Tips For Shopping For Term Life Insurance Online

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 Francesca Hammerstein (October 09, 2008)  Now, thanks to the Internet, an increasing number of people are choosing to buy their term life insurance online. If you are one of these people then there are a few things that you will want to consider before you get started comparison shopping. Verify their Legitimacy The Internet is a big place, so there are scammers out there. Government regulators and police agencies do their .. (Life Annuities)

Term Life Insurance Online - Things to Know

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 Francesca Hammerstein (October 09, 2008)  The life insurance industry offers numerous types of policies for the public to select from and term life insurance is just one of them. What actually is “term life insurance"? Also what does the word “term" mean? The simple answer to that, is that in the life insurance business the word “term" refers to a policy that covers a specific time frame and after that time is . (Life Annuities)

Life Insurance - The Right Choice Can Make Life Easier

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 Manuel Manolo (October 09, 2008)  Life is an unexpected turn of events, some good and some not so good moments. No one can predict what would happen to us in the next minute, that is the uncertainty of the world that we live in is. All our life, we keep striving hard to make our present better, with the constant pressure to live in the moment we forget the importance of a safe future. Any unfortunate incident can put an . (Life Annuities)

Life Insurance Policy - Benefits of Insurance in All the Walks of Life

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 Manuel Manolo (October 09, 2008)  Humans all over are aware of the fact that having an insurance policy is a safer bet for safety and security of your earnings. However the wiser choice is to get to the right source to take the policy. Today people are more aware of their options thanks to the internet boom any information is just a click away from us. Be very careful when dealing with money issues, especially keep away . (Life Annuities)

Life Insurance - Security For a Bright Future Ahead

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 Manuel Manolo (October 09, 2008)  Losing our loved ones to an unfortunate accident or death is very shattering not only emotionally but also financially. Death is an undeniable reality of life, and we don't accept it as a fact of life and shun discussing it every time it comes up. The sooner we talk as a family about the future then this will be beneficial for a better future. All our life we are working hard if you .. (Life Annuities)

Life Insurance - Benefits of Term Life Insurance

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 Manuel Manolo (October 09, 2008)  Life insurance has become the most common thing that every human on the planet is interested to know about. Every buyer is intimidated with the number of options that are available in the market today. It can be an overwhelming decision that requires your urgent attention. However the choice may seem huge but choice has a direct impact on the well being of your family. Every family has .. (Life Annuities)

Life Insurance - Figuring Your Life Insurance Needs

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 Manuel Manolo (October 09, 2008)  Every human knows the fact that a secure way to provide for your family is life insurance; however it is never simple to analyze and put a tab on how much of life insurance is sufficient for you? It is easier said than done, this is an overwhelming job. You have to sit down patiently and assess the situation and determine what responsibilities you have on your shoulders. Be it a home .. (Life Annuities)

Life Insurance - Choosing Life Insurance Made Easy

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 Manuel Manolo (October 09, 2008)  Every human should get himself an insurance policy, if you thought it is not for you then you have to wake up before it is too late. For those who don't have one already it's high time they get one for themselves. The ideal time is to start early right when you are graduating, and have taken a study loan. This way you are securing the dependants and the rest of your family a lifetime of . (Life Annuities)

Life Insurance - How it Works and Its Importance in Your Life

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 Manuel Manolo (October 09, 2008)  What is Life insurance? The answer to this question is simple but varies depending on person to person. Simply stated it is a policy that will be the care taker and be the provider of your family when you are gone. The world that we live is very unpredictable and any unfortunate accident can ruin the future of your bright kid. Not to forget the sense of security your loved ones will .. (Life Annuities)

Whole Vs Term Life and the Rider Every Parent Should Know About

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 W A Henderson (October 09, 2008)  If you have young children in your care you need to know this! If you are newlyweds and getting ready to start a family please read this! If you are a divorced parent male or female you need to know what I am going to tell you about your life insurance. First let me say that you should not get too caught up in the whole vs. term life war, either policy is better than none. It all comes .. (Life Annuities)

Families Urged to Take Out Life Insurance

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 Andy Adams (October 01, 2008)  As much as we would like to think that we are going to live forever many of us need to eventually start planning on how our family will be looked after should anything happen to us. It may seem morbid planning how things will play out should you become seriously injured or die unexpectedly, but putting it aside you could end up leaving a trail of financial distress on top of the .. (Life Annuities)

What Are Life Settlements?

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 Joseph Devine (September 23, 2008)  Do you know what a life settlement is? Most people have never heard of them, and don't know that they should care about them. A life settlement is a very interesting proposition that should be considered by anyone who is over 65 years old. It is a financial transaction that involves the policy holder of a life insurance plan selling the plan to a third party purchaser. This purchaser .. (Life Annuities)

Term Return of Premium - Is it Worth It?

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 W A Henderson (September 23, 2008)  Most of the American population is grossly underinsured when it comes to life insurance so is a term “return of premium" policy worth the cost? It is a good question isn't it? Term life insurance is the cheapest way to purchase a life insurance policy because the insurance company is only offering protection for a specified length of time called the term. If there is a downfall or . (Life Annuities)

Instant Term Life Quotes and Your Rights!

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 W A Henderson (September 22, 2008)  We are all on the internet these days trying to find out information on one thing or the other so we can make an informed decision on the subject. When it comes to life insurance, whether it's Whole vs. Term life or just traditional quotes vs. Instant term quotes, there are a lot of articles written on the subject but they do not seem to answer many important questions. One of the most .. (Life Annuities)

Is Aetna Life Insurance the Best Choice For You?

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 Christopher W Smith (September 22, 2008)  Chances are, Aetna Life Insurance may be just right for you either in one or other ways. Aetna Life Insurance offers coverage for the individual as well as for group. There are certain policies for employers who would like to offer life insurance to those employees who work so diligently for them. Before purchasing any policy, be sure that you really do need it. Who Needs It? You may .. (Life Annuities)

Business Life Insurance Part V - Sole Proprietorships - Pre Arrange Sale of Business

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 Kyle J Norton (September 20, 2008)  If there is no history of family ownership and family goodwill exists. The best way is to sale the business by prearranged sale funded buy-sell agreement will guarantee the asset value if an employee(s) has shown the interest and the ability to continue the business. Upon completion of the agreement, life insurance should be purchased to fund the agreed upon purchase price. The buy sale . (Life Annuities)

Business Life Insurance Part VI - What Are Business Partnerships and Their Liabilities

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 Kyle J Norton (September 20, 2008)  Beside sole proprietorship, the second type is partnerships. A partnership is a business that is owned by two or more individuals who come together in a commercial endeavor to mutually profit from the joint venture. They may each have similar or different talents. Partnerships carry on business in common with a view to profit, all members in the partnerships have joint and several .. (Life Annuities)

Business Insurance Life Part VII - Business Partnerships - Disposition of Partnership Interest

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 Kyle J Norton (September 20, 2008)  When the partners cease to carry on business together, this is known as dissolution. If the business ceases to do business, it is said to be “wound-up". This involves the liquidation of the company property, payment of debts and distribution of the net proceeds. In fact, the dissolution of the partnership does not automatically lead to a wind-up of the business. It may be .. (Life Annuities)

What is Life Insurance Settlement?

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 Cathrine Thomas (September 19, 2008)  A financial transaction wherein there is a sale of an unneeded or an unwanted policy by its owner to a third party at a price higher than the cash surrender value. Once the life settlement procedure is made it is the duty of the new owner for the payment of subsequent insurance premium and it would be the purchaser of the life insurance policy who would receive all the benefits of the .. (Life Annuities)

Getting a Secured Future in the Best Terms Possible

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 Addi Vardhaman (September 19, 2008)  The prospect of having a future that is known, has been a dream right from the days when human beings acquired the brain power to deduce and understand. Civilisations have always been engaged in the best possible ways of assuring their future. Hence the Egyptians kept all the articles which their Pharaoh would need in his afterlife- a future which they deemed as existing after death. .. (Life Annuities)

What Does the AIG Meltdown Mean For Life Insurance Policyholders?

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 Shervin Eftekhari (September 19, 2008)  News of the global insurer AIG's financial meltdown was hard to ignore. Once the Federal Reserve provided an $85 billion loan package, AIG avoided bankruptcy in the short term. In exchange, AIG must pay a high interest rate on the loan (over 11%), agree to oust its CEO and give warrants that equal 80% ownership to the US federal government. The capital and liquidity crunch faced by AIG .. (Life Annuities)

The Proper Conduct of a Life Insurance Company

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 Sarah Martin (September 18, 2008)  Almost as soon as he took office at the Metropolitan Life Insurance Company, Mr. Fiske addressed himself to widening the field of the company's operations with a reorganization of the practically defunct ordinary department. The little ordinary business which had been on the books prior to the opening of the industrial department had shrunk to even less by 1891. The Metropolitan had .. (Life Annuities)

Life Insurance Quotes and the Average Cost of Insuring

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 Shellaine Enfesta (September 18, 2008)  People who are looking to purchase life insurance should get life insurance quotes online to determine the average cost or price. Some people have the concern of how much does life insurance cost. And the best way to deal with this is to get an online quote and compare it with the different life insurance companies. With the recent developments regarding the insurance industry, it is a .. (Life Annuities)

An Assured Life

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 Jay Tillotson (September 18, 2008)  Everyone's heard of life insurance, but term assurance may not be a phrase heard as much. While life insurance is an umbrella term for all types of life cover policies, term assurance itself is a specific type of policy which in turn encompasses a couple of different varieties. Strictly speaking, a life assurance policy pays out on the event of the policy holder's death, regardless of .. (Life Annuities)

Life Isn't Always Perfect

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 Jay Tillotson (September 18, 2008)  Nobody's perfect, yet one in 14 of us seem to think we can convince insurance companies that we are. A recent survey showed that approximately 7% of Britons have deliberately provided false information on their life insurance applications in order to get a cheaper premium. The most common aspect to be falsified is alcohol intake. Men in particular are more likely to understate their .. (Life Annuities)

Whole Vs Term Life Insurance - How Do They Figure Your Rates

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 W A Henderson (September 18, 2008)  When you apply for life insurance do you actually know how the insurance companies figure out what to charge you? When it comes to whole vs. Term life insurance they arrive at the rates the same way. Why do some companies charge more than others? First let's try to answer the question of why some companies charge more than others for the same person. If, by chance, you have quotes from .. (Life Annuities)

Tips For the New Life Insurance Agent - How to Speak to Your Client

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 Anurita Verma (September 17, 2008)  Life Insurance is a commodity most people take for granted until they actually need it. People are usually wary about discussing Life Insurance with an agent because they believe it is a morbid topic. They feel overwhelmed by the topic of Life Insurance in general, and the multitude of different products that are available in the insurance market today. Life insurance agents often .. (Life Annuities)

No Exam Term Life - What Are the Benefits?

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 W A Henderson (September 17, 2008)  No exam term life sounds pretty seductive doesn't it? I mean the ability to get a life insurance policy without getting a physical exam this almost sounds to good to be true. There would really be know way for the insurance company to know any of my health conditions or if I smoke or not if I do not have to get a physical exam, right? They will only know what I tell them so I can .. (Life Annuities)

Define Term Life Insurance

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 Maria Mbura (September 16, 2008)  We've heard these stories of how after the death of a father the family has to move to a different lifestyle they were not used to and the struggles start as they adjusts to a new life without the income of the main breadwinner. There are many things that the family might have to do without, sometimes even getting a roof over their head is a problem. Many people don't want to hear the .. (Life Annuities)

Why Life Insurance is Now a Must Have

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 Serge Parker (September 16, 2008)  When debating on the necessity of obtaining a life insurance policy, one may think it is important only if going on a vacation, or doing something abnormally dangerous. Although this may be a good reason to obtain a life insurance policy, it is now not the best reason to obtain a policy. With the recent failings in our economy, and the many uncertainties of sound employment due to the .. (Life Annuities)




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