What puts the "variable" in "variable life insurance?" This kind of life insurance earns its name because it allows you to take a portion of your premium and distribute it to a separate account. This account is composed of a variety of investment funds from the insurance company's portfolio, including money market funds, equity funds, bonds, and more. As a result, the ultimate value of the death benefits is tied to the performance of these funds,...more
Flint Roofing Contractor: How to Verify Insurance Coverage As with any home improvement project, the importance of insurance coverage really can't be understated. You should never hire a Flint roofing contractor that does not carry both Workers' Compensation Insurance and General Liability Insurance.Of all that can go wrong on a roofing project, personal injury is about the most serious and costly liability a property owner can face. Ultimately,...more
The number of young people getting into trouble abroad is growing, and travellers are being reminded that to protect yourself, backpacker insurance is essential. With the number of people needing help from the government after ending up in hospital abroad growing by 15% last year, it's a very real risk that travellers need to explore. The BBC...more
As a landlord, sorting out your insurance policy is probably not the most appealing thing on your to-do list. Nevertheless it is essential to protect your business, so let us help with a few essential pointers on what you need to know when it comes to landlords insurance. What is a Landlord? The first thing to make clear is the definition of a...more
Split-Dollar Life InsuranceLife insurance can be an important part of a business owners financial strategy. It can also be a great benefit to offer to key employees. However, sometimes the cost can be prohibitive. With split-dollar life insurance, the cost of life insurance can be managed by splitting it up.To be clear, split-dollar life insurance is not an insurance product but rather an arrangement to purchase and fund life insurance between two parties, generally an employee and an employer.Basically, an agreement is made under which a life insurance policy is purchased on an individual. The employer will pay all or a portion of the premiums on the policy, depending on the arrangement. When the individual dies, the employer receives a portion of the death benefit equal to the amount paid in premiums. The remaining benefit goes to the individuals beneficiaries.For example, if a $200,000 policy were purchased for an individual who died after the employer had paid $28,000 in premiums, then the employer would get back the money it had paid in premiums and $172,000 would go to the insured individuals beneficiaries.This agreement is attractive to both parties because the employer...more
Evaluating Car Insurance options, and coming up with the right decision, has now become a hard road to travel for many people. With numerous Insurers and diverse covers, the finest way to compare them would be to look at the most risky areas. Here...more
Although Phen375 doesn't commend this particular weight loss program for maximum fat burning , we undoubtedly do propose it after you have achieved your fat burning objective.Phen375 is devised respectively to reduce weight, just to lose weight...more
The best insurance is term life insurance, at least from the time when it first turned up in the mid 70s. Even if term insurance is the most inexpensive you can purchase, there are a few opportunities to cut down premiums and unearth plans that are...more
Property Liability Insurance provides you a legal protection against someone filing a lawsuit against you, if he/she gets hurt on your property. It provides your business a coverage in the case your business is sued for injury to someone. This type...more
The Definition of Life InsuranceAn individual who buys life insurance is paying the insurance company to assume certain risks, particularly the loss of income associated with your death. Upon the death, the company pays a death benefit to the...more