Life Insurance can be seen as falling into a cash value or non cash value scale. The cash value life insurance policies are those that have investment options. The non cash life insurance policies are those that strictly have death benefits.By doing some important research you can find the most suitable cover. You could go to a financial advisor for advice on the right life insurance policy for you. Always confirm any information...more
If you own a iPhone there is no reason why you should not have iPhone insurance. Due to the expense of the iPhone it would be foolish for you to not acquire the proper protection that is needed in order to protect your investment. Though many people will immediately obtain a iPhone 3g insurance package from the providers of the iPhone, you will quickly discover these manufacturer iPhone insurance packages are generally...more
It is quite an intelligent idea if you pay attention to things that you can do as part of your casualty and or recovery preparedness in these days of uncertainties when both natural and man-made disasters could strike with just a blink of an eye.If you are living in California, you are probably aware of the recent spike in the number of cases of accidents in the area cars, fire, etc. Despite precaution and prevention programs from different sectors of society, still things like this could occur. True indeed that accidents, disasters could happen anytime, anywhere sometimes these are inevitable. Thus, it is better to be prepared on what to do when unfortunate things happen.As part of your disaster preparedness, you may want to consider applying for California casualty insurance program. With that you will find a good California casualty insurance company that suits your needs. Of course, insurance programs do not come for free it can cost you bucks. But if you carefully think of their benefits you will realize that programs like this are worth your hard-earned money.Of course, the government has programs to address disasters but these are not enough based on what we have...more
Medical coverage premiums can be a large expenditure, even for individuals who are in great health. If you happen to be a student who is just coming of age and wanting to continue on with your schooling, then there are a few big issues to take into consideration. One of the most significant issues to have a look at, of course, is the cost. Many...more
Life insurance is a very important decision for every family. While the importance of life insurance is understood well in the United States, most Americans think that just having a policy is enough to protect one's family.In 2007, the country's first-ever ‘Life Insurance Gap' study revealed that many Americans have just half the...more
The main aim of buying a life insurance policy is to protect one's family or business in the event of death. Therefore, it makes sense that the beneficiaries have a stake in the life of the insured – they are dependant on the insured for financial or business stability, etc. This is called insurable interest, and is the main premise on which life insurance policies are issued.However, there are instances of strangers approaching you to buy life insurance, and then transferring ownership to a third-party (to circumvent the issue of insurable interest). This is called stranger-owned life insurance or STOLI. If you are a senior with considerable assets, you need to be particularly wary of such a proposition. They usually come in attractive, hard-to-resist offers that tempt people to accept.How does STOLI work?There are 3 parties involved in a STOLI –The agent or the stranger The individual who is approached for a policyA group of investors who buy the policy from the insured after waiting for a couple of years.Usually the policy amount is quite high, and the insured is offered a large sum of money up front or an opportunity to receive the amount after 2 years. The...more
One of the best ways to save money or start saving for retirement is to come up with ways to reduce your monthly bills. That's because you can then channel that money directly into an account earmarked for an IRA, a brokerage portfolio,...more
Effectively. Life Insurance is a simple cover and generally can fall into the cash value and no cash value scale. Policies that have investment options fall into the cash value category. The non cash life insurance policies are those...more
Have you ever sat in front of the television surfing through countless channels in search of finding something worth your time to watch. This is how many people feel when looking for affordable health insurance options. It takes a lot of time and...more
Driving under the influence of alcohol or other intoxicants is strictly prohibited in Dubai and is an offence punishable by UAE traffic law. Offenders are handed hefty fines or imprisonment or both depending on the level of intoxication, seriousness...more
Car insurance can be quite a pricey bill to have to pay every month. Some people get frustrated as they feel that they are paying for something that they may never need. However, you need to bear in mind the relief that you will feel if...more
Although many individuals do not really think about it much, auto insurance does not only just cover their car, SUV, or truck. Perhaps more importantly, it additionally protects them, their whole family, and the other drivers sharing...more