Real Life Game online, farm simulation survival games, free to play 3rd

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Real Life Survival Game 3rd World Farmer

Rating. 7.8 / 10 – 22031 votes

3rd World Farmer is a serious-thought-provoking online game and business strategy simulation activity for high school teens and college students where you have to manage an impoverished farm in a dried out desert area of Sub-Saharan Africa. This is an exceptional survival role-playing game online, and gives you a striking, first-hand insight into extreme rural poverty, and the hardships and challenges faced by the millions of starving, struggling farmers and families of developing nations. In 3rd World Farmer, you have to make tough moral and survival decisions in order to provide for your underprivileged family, while enduring droughts, disease, poverty, corruption and war. How ethical will you be when you desperately need to pay your rapidly-ailing family’s food and medical bills? Will you accept virtual money to survive in return for storing chemical waste, and even housing terrorists?

The Deal: Your proactive mission is to help the head of the family turn this small farm in a developing nation into a commercial success. You must carefully budget and decide which crops to grow each year to sustain your family, and grow. There are several crops to choose from (corn, wheat, cotton and peanuts), and some prove more risky than others, providing potentially large earnings or huge losses. Make enough profit to invest in the necessary tools such as ploughs, harvesters and tractors to improve your crop yields. Increase your capital by investing wisely in essential buildings such as sheds, wells and barns. But remember, all investments have associated risks; wells can dry up, barns can be destroyed, and livestock may be stolen. Remember also Do not become too greedy! You must first prioritize your family’s health, or they may weaken, and be struck down by a deadly disease!

How to Play: Each year you must decide which crops to grow on your restricted budget. Use your computer mouse to select and buy crops, livestock, tools and buildings. Left click in the upper left corner of the game screen, and then drag and place the crops in your field. Left click your mouse again on a family member in the center of the screen to administer medicine and other options. When you have bought all your items for the season, click the “Right Arrow” in the top right corner of the screen to forward your circumstances one year in time. You then receive an annual report of how your farm has performed.

To succeed, you need to display good business acumen and strategic thinking skills to help ensure that your family, farm and community is safe and prosperous into the future. Carefully strategize and invest in “Communications” to coordinate sales with other farmers, “Infrastructure” for easier access to markets and “Crop Insurance” to give your family an income when your crops fail. Support a local “School” and “Clinic” for improved health and education services in your area. Donate to a local “Politician” who genuinely works for peace, health and prosperity for all. This will help benefit the long term well-being of the entire nation. When you have succeeded in purchasing the six above mentioned items, you win. Good luck with your new farming venture and survival challenge!

Discuss this interesting, thought-provoking game on the Learn4Good Games site with your friends, family and teacher! Whatever side of the fence or ocean you find yourself, you might take time to ponder how One world has a Third world.

Hello! If you’ve already told some friends in school or on social media about this game or Learn4Good Games, thank you so much! If you are going to tell your best friends, thank you in advance! You & your playing friends help to make this game site possible! We add new games almost every day, and look forward to bringing you more top games very soon. Some helpful links to share include Top 100 Games. Top New Games & Latest Games. Enjoy!

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CBC News – Obesity research confirms long-term weight loss almost impossible #long


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Obesity research confirms long-term weight loss almost impossible

There’s a disturbing truth that is emerging from the science of obesity, Kelly Crowe reports. After years of study, it’s becoming apparent that it’s nearly impossible to permanently lose weight.

Obesity research confirms long-term weight loss almost impossible

No known cure for obesity except surgically shrinking the stomach

Kelly Crowe CBC News

Posted:Jun 04, 2014 5:00 PM ET

Last Updated:Jun 04, 2014 10:34 PM ET

The nasty reality is that humans are efficient biological machines. “We have evolved not to lose weight.” Reuters

Video

There’s a disturbing truth that is emerging from the science of obesity. After years of study, it’s becoming apparent that it’s nearly impossible to permanently lose weight.

As incredible as it sounds, that’s what the evidence is showing. For psychologist Traci Mann, who has spent 20 years running an eating lab at the University of Minnesota, the evidence is clear. “It couldn’t be easier to see,” she says. “Long-term weight loss happens to only the smallest minority of people.”

We all think we know someone in that rare group. They become the legends — the friend of a friend, the brother-in-law, the neighbour — the ones who really did it.

But if we check back after five or 10 years, there’s a good chance they will have put the weight back on. Only about five per cent of people who try to lose weight ultimately succeed, according to the research. Those people are the outliers, but we cling to their stories as proof that losing weight is possible.

“Those kinds of stories really keep the myth alive,” says University of Alberta professor Tim Caulfield, who researches and writes about health misconceptions. “You have this confirmation bias going on where people point to these very specific examples as if it’s proof. But in fact those are really exceptions.”

Our biology taunts us, by making short-term weight loss fairly easy. But the weight creeps back, usually after about a year, and it keeps coming back until the original weight is regained or worse.

This has been tested in randomized controlled trials where people have been separated into groups and given intense exercise and nutrition counselling.

Even in those highly controlled experimental settings, the results show only minor sustained weight loss.

When Traci Mann analyzed all of the randomized control trials on long-term weight loss, she discovered that after two years the average amount lost was only one kilogram, or about two pounds, from the original weight.

Tiptoeing around the truth

So if most scientists know that we can’t eat ourselves thin, that the lost weight will ultimately bounce back, why don’t they say so?

Tim Caulfield says his fellow obesity academics tend to tiptoe around the truth. “You go to these meetings and you talk to researchers, you get a sense there is almost a political correctness around it, that we don’t want this message to get out there,” he said.

Last fall, the Dubai government launched a 30-day weight loss challenge called “Your Weight in Gold” to encourage dieters and combat growing obesity in the Gulf Arab emirate. It should probably save its money if the current science is right. (Reuters)

“You’ll be in a room with very knowledgeable individuals, and everyone in the room will know what the data says and still the message doesn’t seem to get out.”

In part, that’s because it’s such a harsh message. “You have to be careful about the stigmatizing nature of that kind of image,” Caulfield says. “That’s one of the reasons why this myth of weight loss lives on.”

Health experts are also afraid people will abandon all efforts to exercise and eat a nutritious diet — behaviour that is important for health and longevity — even if it doesn’t result in much weight loss.

Traci Mann says the emphasis should be on measuring health, not weight. “You should still eat right, you should still exercise, doing healthy stuff is still healthy,” she said. “It just doesn’t make you thin.”

We are biological machines

But eating right to improve health alone isn’t a strong motivator. The research shows that most people are willing to exercise and limit caloric intake if it means they will look better. But if they find out their weight probably won’t change much, they tend to lose motivation.

‘Healthy stuff is still healthy, it just doesn’t make you thin’ – Traci Mann, University of Minnesota

That raises another troubling question. If diets don’t result in weight loss, what does? At this point the grim answer seems to be that there is no known cure for obesity, except perhaps surgically shrinking the stomach.

Research suggests bariatric surgery can induce weight loss in the extremely obese, improving health and quality of life at the same time. But most people will still be obese after the surgery. Plus, there are risky side effects, and many will end up gaining some of that weight back.

If you listen closely you will notice that obesity specialists are quietly adjusting the message through a subtle change in language.

These days they’re talking about weight maintenance or “weight management” rather than “weight loss.”

Michelle Obama has been on an eat better campaign ever since her husband was elected to the White House. An estimated 2.1 billion people on the planet are now considered overweight or obese. (Reuters)

It’s a shift in emphasis that reflects the emerging reality. Just last week the headlines announced the world is fatter than it has ever been, with 2.1 billion people now overweight or obese, based on an analysis published in the online issue of the British medical journal The Lancet.

Researchers are divided about why weight gain seems to be irreversible, probably a combination of biological and social forces. “The fundamental reason,” Caulfield says, “is that we are very efficient biological machines. We evolved not to lose weight. We evolved to keep on as much weight as we possibly can.”

Lost in all of the noise about dieting and obesity is the difficult concept of prevention, of not putting weight on in the first place.

The Lancet study warned that more than one in five kids in developed countries are now overweight or obese. Statistics Canada says close to a third of Canadian kids under 17 are overweight or obese. And in a world flooded with food, with enormous economic interest in keeping people eating that food, what is required to turn this ship around is daunting.

“An appropriate rebalancing of the primal needs of humans with food availability is essential,” University of Oxford epidemiologist Klim McPherson wrote in a Lancet commentary following last week’s study. But to do that, he suggested, “would entail curtailing many aspects of production and marketing for food industries.”

Perhaps, though, the emerging scientific reality should also be made clear, so we can navigate this obesogenic world armed with the stark truth — that we are held hostage to our biology, which is adapted to gain weight, an old evolutionary advantage that has become a dangerous metabolic liability.

Related


Should You Get Return of Premium Insurance? #life #insurance #with #return #of


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Return of Premium Life Insurance

If you are like most people, you have probably never heard of return of premium (ROP) term life insurance. According to LIMRA, an insurance industry research group, return of premium insurance only represents about 2% of term life sales, and at its peak in 2009 it only accounted for about 5% of sales.

Despite its lack of popularity, it can be an excellent product, offering both term life coverage and a refund of all of your premiums should you outlive the policy.

While this may seem like a “have your cake and eat it too” situation, there are a number of factors you need to consider before jumping into the ROP life insurance pool. Premiums can be high and you could earn a better return in the stock market, but ROP policies offer a full death benefit as well as the possibility of a cash windfall if you outlive the term.

What Makes Return of Premium Term Insurance Different?

In order to understand return of premium insurance or premium return life insurance, as it is also known, you need to know how term life insurance works.

Term life insurance is probably the simplest and least expensive form of life insurance. It insures your life for a specific “term,” which can be 1, 10, 20, or 30 years. If you die during the term, a death benefit is paid out. If you don’t die during the term, the policy terminates at the end of the term. Term policies are a great choice if you are concerned about your family having to cover large debts (think mortgage payment or credit card bills) if you die unexpectedly.

While everyone hopes to outlive a term policy, those that do often feel they have paid out a lot of money without seeing any benefit. A return of premium policy addresses those concerns. It is basically a term life policy with a rider attached that returns all of your premiums to you if you outlive the term. A major benefit of this type of policy is that the premium money returned to you is completely tax-free, as it is not considered income but simply a refund of premiums.

While return of premium life insurance sounds like a no-brainer, there are a number of things to consider that might make it a less desirable option, especially if you are older.

Pros and Cons of Return of Premium Life Insurance

Before purchasing any type of life insurance, it pays to understand the pros and cons of the kind of policy you are considering. A Trusted Choice ® independent agent can help you assess your needs and determine if a return of premium policy is right for you. Here are just a few of the pros and cons of a return of premium coverage:

  • This policy pays out a death benefit, the same as a regular term policy, if you die during the term.
  • A term policy allows you to choose the term that makes the most sense for your particular situation.
  • Your premiums are returned to you if you outlive the term of the policy.
  • The premium refund is tax-free money.
  • Return of premium life insurance acts like an automated savings plan, forcing you to add to your savings every month.
  • Some return of premium polices build a cash value that you can take loans out against. The loans have to be repaid or the refund or death benefit will be reduced by the borrowed amount.
  • Premiums for an ROP policy are more expensive than a normal term policy; the price hike will vary depending on number of factors.
  • Canceling the policy before the term expires will result in a much smaller refund or none at all.
  • You may be able to make more money investing the price difference between a normal term policy and a return of premium policy.
  • Policy details can vary between insurers, so read the details carefully.
  • You don’t earn any interest on your money; only your premiums are returned to you.

Will a Return of Premium Policy Work for You?

While term life insurance is a very simple product, whether adding a return of premium rider makes financial sense can depend on a lot of different factors.

Price: A return of premium rider will significantly increase your premium, especially if you are older. At a minimum, expect to pay 30% more for a return of premium policy when compared to a regular term policy if you are fairly young and in good health.

If you are older, in your 40s or above, and in less-than-stellar health, the price difference can be double or even triple the cost of a normal term policy.

Opportunity Cost: This basically means that you should calculate what you are giving up to go with an ROP policy instead of investing the money on your own. If you are a savvy investor and comfortable with risk, it may make more sense to buy the term policy and invest the difference that you would pay for return of premium life insurance on your own.

You may also want to consider a permanent life insurance policy such as whole or universal life. These policies have a cash value component that grows over time and in some cases can be a better investment.

Can You Afford the Policy? You will not get all of your premiums back if you don’t make all of the premium payments, so choosing a policy you can afford is important.

If you let your policy lapse, you won’t be alone. According to LIMRA data, 1 in 14 term life insurance customers stops paying their premium each year. The situation is not much better with permanent policies. These policies have a cash value component, but even that doesn’t help retention. About 25% of policyholders lapse their policies in the first 3 years, and this number jumps to 40% after 10 years.

If you let a return of premium policy lapse, you may get some of your premiums back. It depends on how long you have had the policy. While it can vary by insurance company, in most cases, if you cancel the policy in the first five years you will get back a big fat zero. The amount you get back then grows a small amount every year. In year 10 you might get back 10%, and it goes up from there.

Buy/Sell Agreements: If you are involved in a buy/sell agreement with a business partner, return of premium term life insurance can be a great choice. A partnership buy/sell agreement basically states that you will buy your partner’s share if they die first and vice versa. An ROP policy will ensure that you have the funds available to buy out your partner.

Return of premium policies also work well in divorce cases where one or both of the partners are required by the divorce decree to carry life insurance. A return of premium policy fulfills the life insurance obligation and returns the premiums if one or both of the partners live past the term.

How an ROP Policy Works

Let’s say Bob, who is 40 years old, buys a 30-year term life insurance policy without the return of premium rider. His premium is $600 a year. He ends up paying $18,000 over the course of the policy and gets zero back if he outlives his policy.

Bob’s good friend Todd (who is the same age) buys a 30-year term life policy and elects to go with the return of premium rider. His premium is twice as much at $1,200 a year, so over the course of the policy he forks out $36,000, but all of that money comes back to him if he outlives the policy.

You need to decide whether recovering this money (assuming you outlive the policy) is worth the additional premium you will pay for that option.

The other takeaway here is that adding a return of premium rider can easily double the premium if you are older, so make sure that the cost of the policy fits easily in your budget.


When to Buy Term-Life Insurance #why #buy #term #life #insurance


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When to Buy Term-Life Insurance

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An up to date, sensible policy can keep your family from financial disaster if you die, but deciding which type is best for your life situation can be tricky. Both whole and term life insurance policies allow you to lock in the same monthly payment over the life of a policy (at your choosing), with a lump sum to be paid to the beneficiary upon death. But whole life insurance policies also come with stock, bond and money market investments, and some tax advantages.

Life insurance policies get more expensive as we age, and those over age 50 should keep close track of when their policies expire, advises Scott Page, CEO of life settlement provider Lifeline.

You should reevaluate your policy every few years to make sure it still fits your lifestyle. For instance, a spousal death or divorce changes the need for protection, and grown children may lessen the need for insurance coverage, according to Page.

Experts say there are often better ways to invest funds than in expensive, whole life insurance policies, and that a term life insurance policy tends to make the most financial sense if:

You seek only a death benefit. When the insured dies, the policy pays the face amount to a beneficiary, says Philip Cioppa, managing principal and chief investment officer of Arbol Financial Strategies. You can buy term life insurance for periods of one to 30 years, and the sum is guaranteed.

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On the other hand, the cash value in a whole life policy builds up slowly and might not yield a reasonable return unless it is held for a period of time. “It’s better to have adequate coverage through a term policy than not enough coverage in a whole life policy,” adds John Thornton, executive vice president of Amalgamated Life.

You are younger than 50. Term policies are almost impossible to get after 65, says Thornton, and are pretty cheap before age 50.

You have made better, cheaper retirement investments. Whole life insurance policies build cash value you can borrow against, but can come with high fees and costs.

Term life insurance policies tend to be more affordable, says Chris Hogan, lead financial counselor of The Lampo Group. “You could put that money into a growth stock mutual fund and receive a better return for your money.”

Your health situation could change. With most term agreements, you can upgrade or change to a new policy without a medical exam, says Thornton. Individuals older than 50 and still working could opt for a term policy with a critical illness protection component, which offers lump sum payment upon the diagnosis of a critical illness as well as for organ transplants where 30 consecutive days of hospitalization are involved, he adds. The life benefit is restored two years after the individual returns to full-time employment for double protection.


Will a drug overdose void a life insurance policy claim? #accidental #life


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Will a drug overdose void a life insurance policy claim?

If someone dies from a drug overdose, are the proceeds from a life insurance policy canceled? The answer depends on several things including how the drug overdose happened and the type of life insurance coverage.

Why did the Drug Overdose happen?

If the overdose was not accidental, then a suicide clause may apply. Suicide clauses are included in most life insurance policies, and the normal term for them to apply is two years from the date of creation of the policy, although some policies may have shorter or longer suicide clause periods. If a person commits suicide within that period, no benefits will be paid, although premiums may be refunded after a processing fee has been subtracted. This clause is put in place to prevent someone from taking out a large insurance policy when the intention is to die quickly and leave money to the beneficiaries.

If an insurance policy is denied due to the suicide clause, it can be very painful for the survivors. They have not only lost a beloved family member, but they are also denied the benefits the deceased intended for them to have. One way to prevent the suicide clause from taking effect is to purchase a rider, or an addition, to the policy which will cover suicide. However, these riders are very expensive and have strict rules which govern them. All in all, suicide within a short period of time after purchasing a policy will negate the policy, so an intentional overdose may indeed have this effect.

Even after the suicide clause has expired, an intentional drug overdose may still cancel a policy, depending on the language used in writing the terms. Intentional drug overdoses may be viewed as dangerous activity, which is prohibited by many policies. The only way to know for sure if your policy covers you in this event is to read it carefully and talk to your agent about the possibilities. As most people are reluctant to talk with an agent about a potential suicide, this does not usually happen, and some beneficiaries are unpleasantly surprised when the time comes to claim the benefits.

Accidental Drug Overdose

Accidental drug overdoses are classed differently. Since the person was not attempting to end his or her life, it does not fall under the suicide clause. However, the accidental death clause may apply. This is a section of many group or organizational policies that states that if the person dies from accidental causes, the premium will be reduced or canceled. The purpose of this clause is to keep costs low for group insurance, which is usually offered through an employer. While some accidents may be covered, others may not; again, the only way to know for sure is to read your policy carefully.

There may be another problem with an accidental overdose that is founded on “material misrepresentation” when the policy was taken out. Most people who overdose accidentally are not first-time drug users; in fact, they may have a drug habit that has been ongoing for some time. When you take out a policy, the insurance company will ask many questions about your health and habits, often requiring you to submit to some sort of physical exam to check for certain conditions. If it is discovered that a person overdosed as a result of a long-term drug habit, and the person did not report this drug use on the initial application, it is very possible that the insurance company may refuse to pay the death benefits on the groups that the application was fraudulent. Many insurance physicals test for drug use; some do not. That is dependent on the company and its policies.

Sometimes, it is difficult to determine if a drug overdose was intentional or accidental. In these cases, the insurance company will usually want proof, such as an autopsy and witness testimony, that the overdose was not intentional. This can lead to unforeseen costs to the beneficiaries and a prolonged waiting period to settle the policy and receive the benefits. Ultimately, the resolution will depend on the findings of the coroner or law enforcement officials. In most cases, when there is a question of suicide or accident, officials err on the side of caution and classify the death as accidental. However, this is not always the case, and if further evidence is presented at a later time that the death was not accidental, it can cause tremendous problems for the beneficiaries, who may already have received the payments.

If beneficiaries feel that a life insurance claim has been denied unfairly, there is legal recourse for them. They will have to hire an attorney to pursue the case in court, which can become very expensive. For a smaller policy, the life insurance company may be willing to settle for a portion of the proceeds rather than fight the battle in court; if the policy is large, the insurance company’s lawyers will probably choose to pursue the case rather than pay.


4 Things Life Insurance Agents Know (and So Should You) #life #insurance


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4 Things Life Insurance Agents Know (and So Should You)

When you buy life insurance through an agent, you’re benefiting from that professional’s expertise. After all, agents make a living selling these products and know how to buy life insurance. and you may have barely read your insurance policy. But going into a meeting with an agent without any knowledge of your insurance needs is a mistake — especially because the best policy for you may not always be the one an agent will try to sell you.

There’s probably no way for you to know everything that agents do about insurance — that’s why they’re so helpful. Still, there are a few things you might want to keep in mind the next time you buy a policy.

1. Agents work on commission

Most life insurance agents don’t draw a salary; instead, they get a cut when they sell you a product. And when you choose a more expensive policy — for example, whole life insurance instead of term life insurance — they stand to pocket more money from the sale as commission, often half or more of your first year’s premium.

This doesn’t mean your agent will try to sell you whole life insurance just to make more money. Whole life really is the best product for a few clients. Plus, when customers drop a policy in the first year, agents must pay back their cut of the sale, disincentivizing them from selling you something you can’t afford. And many agents are passionate advocates of term life insurance. But if your agent insists that you need whole life insurance without a good justification, consider whether the paycheck might be the reason.

Even policies of the same type can offer very different levels of commission, making one the more attractive sale for the agent.

It can’t hurt to ask your agent about the commissions on products you’re being offered. And in New York, under Regulation 194. insurance agents and brokers must disclose their commission.

2. They make more on new policies

Not only do agents work on commission, but that commission is highest the first year after you buy a product. After that, your life insurance agent typically won’t see any income from your term life policy. If you’ve bought permanent life insurance, on the other hand, the agent may get a percentage of your premium for almost a decade after you buy, and sometimes smaller “persistency” fees in the following years.

Agents keep themselves in business by bringing in new customers who need new policies, so they don’t have to keep drawing on existing customers for income. But if your agent often suggests you buy a new policy and doesn’t have a solid reason, it might be time to get a second opinion.

3. Cash value takes time to build up — a lot of time

Permanent life insurance policies offer the opportunity to build cash value. When you pay the premium, a portion goes into a separate investment account, which grows slowly. Later, you can get loans or take withdrawals from this cash value, or use it to pay your premiums. Many agents promote cash value as a major selling point for permanent life insurance.

The problem with cash value is that it takes time to build up. It’s unlikely you’ll have enough to draw on for several years — and sometimes much longer, depending on how your investments perform. However, this may not be the first thing an agent mentions when trying to sell you a policy.

4. You may not need a million-dollar policy

Whenever your agent provides you with an estimate of your life insurance needs, ask how he or she arrived at that number. Don’t be surprised if the figure seems large to you, but don’t let the agent sell you coverage you don’t need, either.

For example, if you bring in your household’s only salary, it makes sense that your life insurance policy should cover your income replacement, debts and future contributions to your children’s college funds. But if your spouse works, it may be safe to assume that that contribution toward household expenses would continue, even if you died.

Of course, your spouse should have a life insurance policy, too — even a stay-at-home parent. But make sure your policies are based on a realistic estimate of your needs, and not just on fear.

Your agent always owes you an explanation

If you have a long-standing relationship with your agent, there’s no reason to suspect that he or she is just after your money. A good agent will always recommend the best products for you. But no matter who it is, your agent should be able to willing and able to explain your insurance needs. You’re the one who has to live with the insurance policy.

If you suspect your insurance agent has steered you toward a policy that’s not right for you, you do have recourse. Get in contact with your state’s insurance department though the National Association of Insurance Commissioners .

Image via iStock

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The Top 10 Life Insurance Companies in the Philippines The Most Updated


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The Top 10 Life Insurance Companies in the Philippines The Most Updated and Most Unbiased Review

Although 2013 is over and we are almost halfway through 2014. The Insurance commission hasn’t yet released the 2013 ranking of the top insurance companies in the Philippines. They said, they will release it on August 2014. So, with that, we have to content ourselves with the 2012 rankings. In the case of the Philippine Stock Exchange (PSE), I will be giving the November 2013 ranking.

Since this is an unbiased review, I will not only highlight one category just to make one insurance company look good. I will be enumerating all the rankings in all categories from the Philippine Stock Exchange (PSE) and Insurance Commission (IC). That’s why this is an UNBIASED review.

First Category: Top 10 Companies in the Philippines, According to Market Capitalization by the Philippines Stock Exchange (PSE)

Investopedia defined Market Capitalization as the total dollar (Peso) market value of all of a company s outstanding shares. Market capitalization is calculated by multiplying a company s shares outstanding by the current market price of one share. The investment community uses this figure to determine a company s size, as opposed to sales or total asset figures.

Please note from the 10 companies in the Philippines stated below only 2 companies are from the life insurance industry. Manulife Financial Corporation as the top 1 with over 1.4 Trillion Pesos Market capital and Sun Life Financial Inc. in the top 2 with 844 B Pesos.

Second Category: Top Insurance Companies, According to Net worth by the Insurance Commission (IC)

Investopedia defined Networt h as The amount by which assets exceed liabilities. The company’s net worth is calculated by subtracting the liabilities from the assets.

The leading insurance company in this category is: Insular Life with 27B Net worth

Third Category: Top Insurance Companies According to Paid-Up Capital by the Insurance Commission (IC)

Investopedia defined Paid-Up Capital as The amount of a company s capital that has been funded by shareholders. Paid-up capital can be less than a company s total capital because a company may not issue all of the shares that it has been authorized to sell. Paid-up capital can also reflect how a company depends on equity financing.

The leading insurance company in this category is: Generali Philippines with 1.5 B Paid-up capital

Fourth Category: Top Insurance Companies, According to Premium Income by the Insurance Commission (IC)

Investopedia defined Premium Income as revenues that an insurer receives as premiums paid by its customers for insurance products. When a customer purchases an insurance product, such as a health insurance policy, the customers cost for a specified term of the policy is called the premium.

The leading insurance company in this category is: Sun Life of Canada with 20B Premium Income

Fifth Category: Top Insurance Companies, According to Assets by the Insurance Commission (IC)

Investopedia defined Assets as anything of value that can be converted into cash. These could be Cash and cash equivalents, real properties or investments.

The leading insurance company in this category is: Philippines American Life (PhilAm) with 150B Assets

Although I represent a great insurance company, I dare say, all life insurance companies are very much the same. They are all stable, have a solid foundation and all are reliable. For me, the more important thing that you have to consider in selecting the right plan for you is choosing the right and reliable insurance agent/financial advisor that you can depend on. The right insurance agent for you will understand you and will guide you on the best possible plan that will suit your needs, wants and budget. Read “5 Insider tips on finding the right Insurance Agent/Financial Advisor for you.”

The most frequently ask question before buying a life insurance Pre Need VS LIFE insurance, What is the difference?

In buying a life insurance, don’t let procrastination get in your way. If you don’t know anyone that can guide you in choosing the best policy for you, let me help you with that. You may contact me here.

Thanks for sharing this information. Though it s not updated anymore, I think the companies listed above are still almost in their same position.

The most wonderful idea u impart to us is that all life insurance companies are very much the same. They are all stable, have a solid foundation and all are reliable. For me, the more important thing that you have to consider in selecting the right plan for you is choosing the right and reliable insurance agent/financial advisor that you can depend on. The right insurance agent for you will understand you and will guide you on the best possible plan that will suit your needs, wants and budget

Hi po..ask ko lng po ma am..nag-housing loan po aq sa BDO and yearly po ay me binabayaran ako na insurance worth 10k pesos.Fifteen years to pay yung housing loan ko,which means 15 years din aq need n mgbyad ng 10k for insurance.I m planning to get an insurance from BDO din..yung Pilipinas-Generali..then don ko po ipasok yong insurance n binabayaran ko..para hindi po masayang yung 10k na binabayad ko yearly.Tama po ba yong naiisip kong gawin?

Pinky De Leon-Intal, MD, RFC

Well, there is such thing as TERM insurance, very cheap for MRI (mortgage redemption insurance), and you only have to renew the balance of your loan every year. Meaning, you started at 2M, after few years, 1.5M na lang loan mo, you only renew for 1.5M, then same thing as years progressed.

For permanent insurance, you can use that too naman, but I suggest you get permanent insurance and make your family your beneficiaries, in that way, if something happens to you, your loan is paid thru your Term insurance, and your family still gets something from your permanent insurance.


Data Recovery Service #data #recovery,service,hard #drive #recovery,raid #data #recovery,raid #recovery,hard #disk,failure,failed,crashed,clicking,unbootable,retrieval,retrieve,computer,disaster,emergency,safe,save,saving,no #harm,decryption,clearing,information,success,encryption,data


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The point is, MicroCom Data Recovery Service exists not just for profit, but to help you . in your time of need. We never forget we’re a service first. So whether data on your hard drive was damaged by fire, or by flood or by any of the numerous, far more likely and usual causes of data loss: the drive won’t mount, it’s crashed, clicking, unbootable (i.e. you have a hard drive failure ), there is friendly, expert remedy available right now. just a phone call away: 844.432.8256 .

So whether you’ve had a hard disk drive crash/failure, or mission critical files suddenly became inaccessible, or the power went out and now that it’s back on again data seems “lost” and your lifeblood information gone with it, we can help. Did a now former employee reformat a company hard drive? Did your data back-up process or BC (Business Continuity) plan fail? Even in the above pictured case of severe environmental damage to your equipment. whatever your situation world-class MicroCom data recovery experts can get your data back safe and sound.

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    Data on Failed Hard Drives: Our Specialty

    An amazing mechanism (with its cover off), storing as much as a terabyte of data inside a laptop computer.

    Hard drive recovery (or rescuing data from any other storage medium for that matter) is as much an art as it is a science. The technology involved in the process of recovering data from devices based on spinning disk technology often require an advanced level of expertise. One false move and your prognosis for retrieval of data may worsen, quickly, permanently. Our chief engineer has over 30 years experience recovering data and knows every trick in the book. In the same way that you would expect a medical surgeon to protect your well-being and do no harm, exposing you to a minimum of risk, every member of our rigorously trained recovery engineering team is keenly dedicated to protecting the media that holds the recordings of your data during the diagnostic analysis phase. Since 1989, thousands of grateful clients have learned, if MicroCom can’t get your data back no one can, and the reason is, quite simply, the data exist no longer .

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  • The Advantages and Disadvantages of Group Life Insurance – SWI Low Cost


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    The Advantages and Disadvantages of Group Life Insurance

    Group life insurance is provided by employers to employees and is intended to benefit the whole group. Unfortunately, group life insurance often isn t the ideal fit for you individually.

    Advantages of group life insurance:

    • Covers employees who otherwise would not be able to afford individual life insurance policies.
    • Allows higher risk individuals to be given life insurance coverage.

    Disadvantages of group life insurance:

    • The employee has little to no control over their individual coverage.
    • Coverage does not continue or follow the employee if you leave your job.
    • Healthier individuals pay the same premiums as those who are considered to be a higher risk within the group policy.
    • Most people need additional coverage to compensate for coverage not included in their company s group life insurance.

    Group life insurance may be less cost effective in the future if you leave your job, are overpaying for others included in your group policy plan, and/or have to purchase additional coverage. We recommend a personal term life insurance policy, which you can customize to meet any and all of your needs not the needs of your co-workers. If group life insurance is not for you consider term life insurance.

    We at Stuart Woodbury Insurance, Inc. (SWI) understand that choosing the right plan for your specific wants and needs can be confusing and frustrating. Stuart Woodbury Insurance is here to help you through the process of choosing the perfect life insurance plan. We have been a leader in the life insurance brokerage business for over 25 years and we pride ourselves on focusing on the needs of our clients in an honest and straightforward way. We are available to answer any and all questions you have about life insurance policies and will help you make the perfect choice for you and your family.

    Comments are closed.

    The Mutual Fund Store Life Insurance®

    As Heard On:

    the daily radio program “Dana and Parks”, hosted by Dana Wright and Scott Parks (KMBZ)
    . Kansas City’s Morning News, hosted by E.J. Becker and Ellen Schenk on (KMBZ) in Kansas City
    . the Saturday radio program “Investing Sense”, hosted by Adam Bold (KMBZ)
    . the Saturday radio program “Moneyline”, hosted by Peter Newman, CPA (KMBZ)

    Copyright 2017, All rights reserved. | Privacy Policy

    Term Life Insurance products are offered through TMFS Insurance Agency LLC, a separate company, affiliated with Financial Engines Advisors, L.L.C. (FEA), in states where licensed. TMFS Insurance Agency, LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.


    Life Insurance: Types of Online Life Insurance Plans and Policy #life #insurance


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    Bajaj Allianz Life Insurance

    Why Life Insurance?

    We all care about our family and wish to ensure their financial security in the best possible way. A life insurance policy is an ideal way to secure our family’s future, if we’re suddenly not around to fulfill our responsibilities towards them.

    Millions of people buy life insurance policy every year in India for reasons such as ensuring family security, availing tax benefits, savings, etc. If you’re the sole bread winner of the family then your untimely demise can cause financial distress. But, having a suitable life insurance policy helps your family to clear off your existing debts or loans, if any, medical expenses, unforeseen contingencies, etc. so that it does not cause any financial burden on them. Thus, life insurance policy becomes a financial backbone to fulfill the financial needs of your family members in your absence.

    One of the leading life insurance companies in India

    Bajaj Allianz Life Insurance Company Limited is one of India’s leading life insurance companies. Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE. The joint venture incorporates global expertise with local experience. Both the companies enjoy a reputation of expertise, stability and strength.

    At Bajaj Allianz Life Insurance, customer delight is our guiding principle. We provide need-based life insurance policies to meet the requirements of our valued customers.

    Bajaj Allianz Life Insurance has a strong life insurance product portfolio ranging from Ulip to Term insurance, Child plans to Retirement plans, Group life insurance to Investment plans. Our life insurance plans provide complete protection and financial stability for your family in case of any unfortunate events.

    The Company began its operations in 2001 and today has a pan-India presence with 638* branches.

    *Number of branches as on December 30, 2016

    SMS for hassle free service !

    For updates on your Fund Value SMS “FV space 10 digit policy no ” send it to “9225850101

    Now you can just type the keyword ‘SUPPORT’ and send it to 56070 & our Representative would call you shortly to attend to your service queries.

    Disclaimer: By using the SMS SUPPORT service kindly note that you would be authorizing to receive call(s) / SMS from Bajaj Allianz Life Insurance Co. Ltd through its representatives on your tele-contact no with respect to the query for which you have requested call back even if it is registered under NCPR/NDNC registry with your telecom operator.

    NDNC disclaimer: By submitting your contact details or responding to Bajaj Allianz Life Insurance Company Limited. with an SMS or Missed Call, you authorise Bajaj Allianz Life Insurance Company Limited and/or its authorized Service Providers to verify the above information and/or contact you to assist you with the purchase and/or servicing


    Farrell – Pak: Texas Elder Law #farrell # # #pak, #farrell, #pak,


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    Elder Texans and their families face increasingly complex decisions about legal and financial matters. Appropriate legal and financial plans can prevent personal and family crisis from occurring when health deteriorates and the need for long-term care arises. Our services include: benefits planning and applications including Medicaid; estate planning including special needs and other types of trusts, wills and powers of attorney; guardianship; probate and alternatives to probate when appropriate. We serve the elderly, caregivers, and those who wish to plan for their choices and values to be honored.

    Legal Services for Elder Texans and Their Families

    Many of our clients face expensive medical needs, such as care in a nursing home, assisted living facility or at home. We help them and their families conserve their assets to the extent possible, while seeking the best care in the most suitable environment. We seek to provide peace of mind for our clients.

    U.S. News World Report Best Law Firms in Texas in Elder Law (First Tier) , 2013-2016

    Services we provide routinely include:

    • Legal and financial planning for long term care
    • Medicaid planning, applications and appeals
    • Estate planning for individuals and couples
    • Special Needs Trusts for family members with disabilities
    • Power of Attorney Agent and Guardianship advisory
    • Probate and estate administration
    • Alternatives to Probate
    • Guardianship
    • Referrals to related geriatric services

    Attorneys

    H. CLYDE FARRELL has been in private Elder Law practice since 1993. He is a Certified Elder Law Attorney, certified by the National Elder Law Foundation, as recognized by the State Bar of Texas Board of Legal Specialization.

    BLISS BURDETT PAK joined Mr. Farrell as a partner in 2010. She is a member of the College of the State Bar of Texas, the State Bar of Texas (licensed since 1999) and the State Bar of Illinois (licensed since 1996).

    GREG R. JOHNSON joined Farrell Pak in 2011. He obtained his Texas law license in 2004 after graduating from the University of Texas School of Law. He also holds a Master’s degree in Public Affairs

    MEREDITH A. SULLIVAN, associate. Meredith earned her J.D. from Baylor Law School in 2015 and joined the Texas Bar in 2016. She is a member of the Texas Bar’s REPTL, Travis County Women Lawyers Association and Texas Young Lawyers Association.


    No Exam Life Insurance #life #insurance #with #no #medical #exam,no #exam #life


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    Life Insurance With No Medical Exam

    Normally, if you’re applying for life insurance you are required to submit to a medical examination with regards to issues that may affect your insurance rates. For instance, you may be liable to pay more for life insurance if, during the medical exam, a doctor finds that you have a condition that indicates that you should be in a higher risk category.

    Heart problems, high cholesterol or a history of strokes are some examples of issues that might put you in a higher risk category. For many individuals seeking relief from constant worries about their health, no exam life insurance is the perfect choice.

    Who else might benefit from a no exam life insurance plan?

    • Those who need immediate coverage
    • Individuals suffering from health conditions, such as cancer
    • Senior citizens

    Pre-existing Conditions

    Many life insurance companies charge exorbitant fees if you have what they call a pre-existing condition which puts you in a higher risk bracket. Life insurance companies want to make more money off of you than you give them in the long term, so if they expect your death to be a drain on their company’s finances in the near future, they want you to have paid in as much as possible. Life insurance with no medical exams provides the perfect solution for individuals who would have to pay a huge amount of money for a traditional term or permanent life insurance plan. It may even be possible to get whole life insurance without a medical exam .

    Of course, you have to compare the monthly rates of each. Generally no exam life insurance is more expensive than the average life insurance plan and it offers the same services. However, it’s more of a one-size-fits-all insurance plan, making it a great choice for people who do have “pre-existing conditions” like a heart condition or who are significantly older. If this describes you, a traditional life insurance plan may ask for higher rates than a no exam insurance plan

    Enhanced Privacy With No Medical Exam Life Insurance

    Another benefit of purchasing life insurance with no medical exam is that you can keep your medical information private. Many of us feel a little bit leery that our private information is being viewed by some insurance executive or technician in a suit with nothing but dollars on the brain.

    We’d like to know that information about our bodies is kept between ourselves and trusted physicians and doctors. Additionally, no exam life insurance is great for people who don’t enjoy doctors’ offices, needles or exams. They’re simpler, they are processed much more quickly, and they leave your family with more money to help with funeral expenses.

    2017 www.lifeinsurancerates.com
    925 Peachtree Street NE Ste 615
    Atlanta, GA 30309
    Call Center (877) 407-6153

    All other trademarks and copyrights are the property of their respective holders.

    LifeInsuranceRates.com is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. LifeInsuranceRates.com is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a LifeInsuranceRates.com affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.


    Life Insurance #life #insurance #discounts


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    All eligible members can take advantage of the valuable, automatic, term life insurance coverage provided by NEA Complimentary Life Insurance.

    NEA Introductory Term Life Insurance Plan

    Eligible NEA members are provided $15,000 of term life insurance at no cost for 12 months, after which you can continue your coverage at affordable member-only rates.

    NEA Group Term Life Insurance Plan

    NEA Group Term Life Insurance Plan, issued by The Prudential Insurance Company of America, is an economical way to help safeguard yourself and your family.

    NEA Accidental Death & Dismemberment Insurance Plan

    With AD D coverage, whether you’re home or away, your family is covered in case of an accident. AD D coverage may be appropriate for members of all ages.*

    NEA Accidental Death & Dismemberment Insurance Plus

    All the great benefits of our AD D insurance, plus spouse and child tuition reimbursement, day care reimbursement and more! All starting at $23 per year!*

    NEA Accidental Death & Dismemberment Advantage Insurance Plan

    With NEA Accidental Death and Dismemberment Advantage Insurance coverage, you get higher coverage amounts with the same great benefits.*

    NEA Guaranteed Issue Life Insurance Plan

    Help safeguard your future—guaranteed acceptance for NEA members age 45 and older.

    NEA Level Premium Term Life Insurance Plan

    The NEA Level Premium Term Life Insurance Plan offers three different terms and coverage levels up to $1,000,000.

    What Determines the Cost of Your Life Insurance Premium?

    How much you pay for coverage depends primarily on these factors.

    Six Myths About Life Insurance

    Don’t let these misconceptions prevent you from carrying the insurance coverage you may need.

    Give Your Loved Ones the Gift of Security

    Life insurance can be a tough topic to broach. Get tips on how to discuss it, how much you need and what to expect when buying.

    Getting Life Insurance When You Have a Chronic Condition

    Many people with impairments fear that they’ll be priced out of a policy. Some insurers are changing their guidelines to be more inclusive of those with anxiety, asthma and more.

    Answering Your Questions About Life Insurance

    Life insurance can be a confusing topic—but it’s an important one. Our tips for NEA members may help you determine the right coverage for you and your family.

    How much life insurance do I need?

    Learn how much life insurance you may need to help ensure your family’s quality of life.

    A Guide to Life Insurance When You’re Young

    This guide provides life insurance basics, debunks a few life insurance myths and gives you the information you need to make more informed decisions.

    Are There Holes in Your Family’s Safety Net?

    No one expects a tragedy or accident. But you can prepare for one. Learn the five things you should consider when planning.

    * This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

    IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

    NEA Complimentary Life Insurance, NEA Introductory Term Life Insurance, NEA Group Term Life Insurance, NEA Accidental Death Dismemberment Insurance, NEA Accidental Death Dismemberment Insurance Plus, NEA Accidental Death Dismemberment Advantage Plan, NEA Guaranteed Issue Life Insurance, and NEA Level Premium Term Life Insurance are issued by The Prudential Insurance Company of America, Newark, NJ. Please refer to your Booklet-Certificate of Insurance for all plan details, including any exclusions, limitations and restrictions, which may apply. Contract Series 83500. CA COA# 1179, NAIC# 68241.


    Life Coaching Bahrain #life #coaching #in #bahrain,therapy #in #bahrain,online #counselling #dubai,online #life


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    Sign Up For A Free Video

    Experience our FREE video to get the exact details of how to amend your thinking from any negative, low energy and victimised patterns to empowering, uplifting and positive patterns. How we think affects a) how we feel, b) our behaviour and ultimately c) our life experience. These victor versus victim thinking strategies have ensured others have transitioned from an unfulfilling, painful and dysfunctional way of living to taking the steps towards the life of their dreams. Enter your name and email below to register.

    About Kelly

    Kelly Armatage Inc. (CR No 78083) provides Counselling and Coaching Sessions in Bahrain. Kelly Armatage is qualified in providing Counselling, Coaching, Cognitive Behavioural Therapy (CBT) Sessions, Meditation Classes, Self Development Workshops and Corporate Training in Bahrain and internationally. Coaching sessions are available for international clients online via webinar software. See Sessions page for full details. As well as being a regularly booked Public Speaker and Published Writer, Kelly runs Workshops and Seminars that facilitate massive change personally, professionally, emotionally and spiritually for audiences worldwide.

    KELLY ARMATAGE’S BIO

    Kelly Armatage was raised in North London in the 1970s, as the red-haired, goofy teethed middle child in a family of four children. Sensitive and susceptible to absorbing any negatives around her, she spent most of her childhood with her head burrowed in thousands of books. Recognising early on her intelligence and thirst for knowledge, her parents pushed her academically, whilst her pretty sisters were encouraged in their triumphant dancing careers.

    Testimonials

    Its like seeking advice from the village’s elders or sealing the cracks from the past experiences, only to emerge more polished and a better version of myself.

    Our first encounter with you was a true life changer for us and for our son. When we first met you, we had consumed all known therapy approaches to treat our son from drug addiction, including rehab treatment out side the country.

    Kelly has helped me turn my life around into exactly what I want it to be. She will teach you to change your perception of negatives into positives and turn them into opportunities, and give you all the tools you need to sustain that new view of life.

    Kelly has a warm and unique style that must be embraced by anyone that seeks some re-direction in their life. Once I finally opened up to Kelly, it was made apparent to me that many of the barriers I had in mind, were barriers that I actually created.


    Life Insurance Quotes – See Life Rates Now #life #insurance, #life #insurance


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    Life Insurance

    Life insurance is your financial safety net

    Progressive Advantage life insurance (powered by Efinancial) can help your family maintain the lifestyle they’ve grown to love and provide longer-lasting financial security. Your family can use it to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children’s college, debts and just about anything else they may need.

    Simply put: life insurance can remove many of your financial worries. Just get a life insurance quote today, check these worries off your list and your family could be better protected.

    Life insurance rates are more affordable than you might think

    Progressive Advantage offers affordable life insurance rates starting at $14 per month. *

    Coverage options start at $50,000 and go all the way up to $1 million. The younger and healthier you are, the more affordable your rates can be.

    What is life insurance and how it works

    A life insurance policy works similarly to any other type of insurance policy. You determine how much coverage you need, how long you need it and then you make your payments (called premiums). You typically can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you’ve listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum.

    Different types of life insurance

    Typically gives the most bang for your buck with the most affordable premium payments and a comparable payout. As long as premiums are paid, the policy lasts the selected term length (standard options are 10, 15, 20 and 30 years).

    Gives a guaranteed payout no matter when you pass away, as long as you keep paying your premiums. Plus, funds can often be withdrawn from your policy. These funds are known as the cash value of your life insurance policy.

    Offers more affordable premium payments and a lower payout amount. This type of life insurance is designed for paying off your final expenses, such as medical bills, credit card debt, funeral and burial costs, etc.

    Get a life insurance quote online and compare rates in just 5 minutes

    We partner with Efinancial to bring you one of the industry’s leading searching and comparing technologies. It’s 100% secure, and Efinancial works with top-rated life insurance companies to bring you some of the most competitive rates.

    Get a life insurance quote, and you can instantly compare policy options and estimated rates from several leading life insurance companies.

    Get a life insurance quote online or call for expert advice


    Life Insurance and Suicide: Will a Policy Pay Suicide? #accidental #death #and


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    Does a Life Insurance Policy Cover Suicide?

    Ready to start building wealth? Sign up today to learn how to save for an early retirement, tackle your debt, and grow your net worth.

    It often also comes with a two-year time frame for the exclusion of payout due to suicide. If your policy contains the suicide clause, then a claim may be denied per the conditions of the clause which usually states that no death benefit will be paid if the insured commits suicide or if suicide is the cause of death.

    At the time you purchase a life insurance policy, your insurance representative has an obligation to explain all of these clauses and policy conditions to you, as well as other exclusions in your life insurance policy as part of the purchasing process.

    Are the Suicide Provision and the Incontestability Clause the Same Thing?

    No, the suicide clause and the incontestability clause are not the same thing. The incontestability clause is broader and deals with the insurers ability to contest or deny a life insurance claim during the contestability period. Other reasons besides suicide also are addressed, such as death during an illegal act, or misrepresentation of information, as well as the potential for a drug abuse and alcohol clause. It is very important to get the exact specifics of the life insurance policy purchased when signing a life insurance contract so that you don t end up with surprises, or have a claim denied.

    When Will a Life Insurance Policy Pay Out on a Suicide

    After the suicide provision period, or the contestable period is over, which is usually two years from the date of purchase of a new policy, then a life insurance policy may pay a claim for suicide. The policy should pay the death benefit to the beneficiaries. To understand your policy terms, you can also check the policy s exclusions section, since the suicide provision can be different for each policy.

    Example of When a Life Insurance Policy Will Pay a Claim When Cause of Death is Suicide

    • If there is no exclusion or clause in effect at the time of death that excludes suicide.

    John and Mary purchased a 10-year term life insurance policy when they got married, they paid their premiums and kept the same policy in force. 5 years later, Mary was diagnosed with depression, although she was in treatment and had been doing well, one day, much to the family s shock, they discovered she had committed suicide. John was devastated, family members helped him get all Mary s affairs in order and discovered their life insurance policy. Although the money did not help with his devastating loss, the family was surprised and reassured when they found out that the insurance company would pay the claim, even though ​cause of death was due to suicide, because the suicide provision no longer applied.

    Example of an Insurance Company Denying a Claim Due to Suicide

    Jeff had kept a life insurance policy for the past 20 years, when it came time to renew his policy, he decided that since it had been 20 years, the same life insurance company may now offer a better policy. so he did some investigation and switched to another kind of policy from the same life insurance company. A year later, he committed suicide, he didn t realize that because he had switched life insurance policy the contestable period had reset, and the suicide provision now applied. His family was denied the claim.

    Example Case of an Insurance Company Labeling a Death Suicide and Denying a Claim

    This is a real-life example of a situation where an insurance company assessed a death as suicide but then it was later determined that the cause of death was accidental. Todd Pierce had been diagnosed with skin cancer in 1999. Ten years later, Todd was on a road trip and he was involved in a fatal car accident. The insurance company labeled the accident as suicide and wanted to deny the claim. Todd s wife Jane could not believe that they were calling his death a suicide. She decided to obtain the help of a lawyer, and as a result, the insurance company ended up setting with her, and not going to court. Most people do not have access to a lawyer at a reasonable cost, in addition to the devastating circumstances of a suicide, they often give up and do not necessarily try and fight the denial of a life insurance claim due to suicide. In this case, Mrs. Pierce was brave and fought for her settlement. This is a rare exception, most life insurance claims are paid without problem, however this is a good example of a situation where a claim may have been denied due to policy wordings, clauses and exclusions. Thankfully the beneficiary was able to get legal counsel.

    Worried About Life Insurance and Suicide?

    If you or someone you know is suffering from depression, or mental illness, or just having a hard time, the most important thing you can do is get help for yourself and them so that you never have to worry about your life insurance policy and if it will pay out in the event of a suicide.

    If you are a suicide survivor, you are among a quarter of a million people in the U.S, don t be afraid to reach out to numerous organizations. I hope this article has helped clarify the impact of suicide in life insurance policy payments, but more so I encourage you to reach out and get help through whatever side of this issue you are on. We are all touched by suicide, depression and mental illness and by reaching out and working together, there may be help,

    National Suicide Prevention Lifeline: 1 (800) 273-8255


    Magna Life Settlements #life #settlements #fund


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    Changing the Way You Think About Insurance

    Magna Life Settlements, Inc. (“Magna”) is one of the largest Life Settlement providers in the industry. Between 2010 and 2014, Magna purchased over $1.7 billion in life insurance policies, resulting in over 500 policy owners receiving $290 million in total payout. We believe in consistently raising industry standards and supporting regulatory efforts in the market. Our strict compliance and anti-fraud programs continue to set Magna apart from competitors. Magna team members sit on the board of the Life Insurance Settlement Association (LISA), Institutional Longevity Markets Association (ILMA), and The International Secondary Markets for Life Insurance (BVZL). Our 18 employees have over a century of combined industry experience, including 4 law degrees, 3 MBAs, 4 Insurance Licenses, a CLU, and a ChFC.

    Magna Life Settlements has been active in the life settlement industry since 2004 and was acquired by Vida Capital Inc. in 2010.

    Maga Life Settlements is a proud member of the Life Insurance Settlement Association (LISA). LISA’s mission is to advance the highest standards of practice and professional development for the industry and educate consumers and advisors about a life settlement as an alternative to lapse or surrender of life insurance policies. President Dan Young is honored to sit on the prestigious Board of Directors of LISA.

    Membership in the Association requires Magna to annually attest to abiding by a Code of Ethics and Standards of Professional Conduct, including all appropriate laws and regulations. Click here to learn more about LISA.

    Vida Capital invests in longevity-contingent assets, which include, but are not limited to, life settlements. The company is one of the most active and respected investment managers in its space with over $1 billion of policy face value under management. With low correlation to other asset classes, life settlements have the potential to deliver appealing risk-adjusted returns. Vida Capital is headquartered in Austin, Texas and was founded in July 2009 by Jeff Serra and Austin Ventures. Vida has a professional staff of 35 with a senior team with over 100 years of collective experience in longevity assets.

    In 2010, Magna was acquired by Vida Capital Inc, a leading asset manager in the longevity space. Magna has been active in the life settlement industry since 2004 and was the top ranked life settlement provider in 2013 and 2014 by capital deployed. Many of Vida’s competitors must contract out their sourcing and underwriting to third-party vendors. Vida’s integration with Magna provides the opportunity to participate in secondary market transactions and delivers confidence to Vida and its investors that each policy is thoroughly analyzed and vetted prior to its acquisition.


    Ameritas Life Insurance Corp: Private Company Information #ameritas #life #insurance #corp. #company


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    Company Overview of Ameritas Life Insurance Corp.

    Company Overview

    Ameritas Life Insurance Corp. provides insurance and financial products and services to individuals, families, businesses, institutions, and municipalities in the United States. The company offers solutions in the areas of life, dental, vision, and hearing insurance; disability income; annuity; public finance; mutual fund; asset management; retirement plan; and investment aspects. It serves customers through a distribution network of financial professionals, producers, or brokers. Ameritas Life Insurance Corp. was formerly known as The Old Line Bankers Life Insurance Company of Nebraska and changed its name to Ameritas Life Insurance Corp. in 1988. The company was founded in 1887 and is base.

    Ameritas Life Insurance Corp. provides insurance and financial products and services to individuals, families, businesses, institutions, and municipalities in the United States. The company offers solutions in the areas of life, dental, vision, and hearing insurance; disability income; annuity; public finance; mutual fund; asset management; retirement plan; and investment aspects. It serves customers through a distribution network of financial professionals, producers, or brokers. Ameritas Life Insurance Corp. was formerly known as The Old Line Bankers Life Insurance Company of Nebraska and changed its name to Ameritas Life Insurance Corp. in 1988. The company was founded in 1887 and is based in Lincoln, Nebraska. It has additional offices in New York, New York; Lincoln, Nebraska; Cincinnati, Ohio; and Bethesda, Maryland. Ameritas Life Insurance Corp. operates as a subsidiary of Ameritas Holding Company.

    Lincoln, NE 68501-1889

    Key Executives for Ameritas Life Insurance Corp.

    Chairwoman, Chief Executive Officer and President

    Chief Executive Officer of Ameritas Investment Corp and President of Ameritas Investment Corp

    CEO of Ameritas Investment Partners and President of Ameritas Investment Partners

    President of Individual Division

    President of Group Division

    Compensation as of Fiscal Year 2016.

    Ameritas Life Insurance Corp. Key Developments

    Ameritas Life Insurance Corp. Presents at AIFA 41st Annual Conference, Feb-29-2016 11:00 AM

    Ameritas Life Insurance Corp. Presents at AIFA 41st Annual Conference, Feb-29-2016 11:00 AM. Venue: Naples Grande Beach Resort, 475 Seagate Drive, Naples, Florida, United States. Speakers: Tim Stonehocker, Executive Vice President of Individual, Aic and Retirement Plans.

    Ameritas Announces Executive Elections

    Ameritas has announced that Karen Gustin was elected as executive vice president – group division of Ameritas Life and Ameritas Life of New York. Gustin will transition to head of the group division during the first quarter of 2016. Most recently Gustin served as senior vice president – group distribution, Gustin led the sales, national accounts and managed care areas of the division, with prior roles in marketing and product development. Gustin currently serves on the Ameritas Life of New York board of directors, is board chair-elect of the National Association of Vision Care Plans and past chair of the National Association of Dental Plans Board of Directors. She is also on the board of Lancaster County’s Voices of Hope and is president emeritus. Jim Barone was elected senior vice president – group business development and MGA (managing general agent) distribution for Ameritas Life and Ameritas Life of New York. Barone’s responsibilities include leading the group division’s MGA distribution and expansion. Since joining Ameritas in 2013 as vice president – group business development, Barone has served in the lead role between the group division and its partnering alliances’ sales forces. Previously he was a partner at Curtis Visual Communications in Cincinnati, Ohio; chief sales officer at Crag North American in Des Moines, Iowa; vice president of sales and marketing at Luxottica Retail in Cincinnati, and vice president of sales and marketing at Anthem Blue Cross and Blue Shield in Indianapolis, Ind. Ryan Beasley, CFP, CLU, was elected senior vice president – shared agency distribution for Ameritas Life and Ameritas Life of New York. Beasley previously served as vice president – agencies, regional vice president and assistant regional vice president for a life insurance company.

    Similar Private Companies By Industry


    Life Insurance Lawyers #life #insurance #lawyers, #term #life #insurance,value #life #insurance,cash #value


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    Life Insurance Lawyers

    Locate a Local Business Lawyer

    Types of Life Insurance Policies

    There are several different types of life insurance policies to chose from. People typically want life insurance so their loved ones will receive money if they die an untimely death. But life insurance can do more than that; it can also be an effective financial tool.

    There are two primary types of life insurance policies, term life insurance and whole life insurance:

    • Term Life Insurance – Term life insurance refers to a policy where the policy holder makes payments to the life insurance company at regular intervals, either monthly or yearly. The holder makes these payments for a specified period of time, such as 5, 10, or 20 years. If they die during that term, then the life insurance company pays a specified amount of money to whomever has been designated as the beneficiary.
      • If the person does not die during that term, then the life insurance pays nothing. Most insurance companies will allow the holder to renew the policy for another term, but at higher premiums.
    • Whole Life Insurance – Whole life insurance, also known as ordinary, cash value, and universal life insurance, is similar to term life insurance in that the policy holder makes regular payments called premiums. However, they are different in that cash value life insurance spans one’s whole life, whereas term life insurance only covers a specified period of time. Thus, no matter when someone dies, the life insurance company will pay out as long as that person has been paying premiums.
      • A benefit to whole life insurance is that the policy holder will build up cash value. This means that a portion of premiums will be kept in an interest earning account. There are several ways the policy holder can use the cash value of their life insurance:
        • Get a loan – It is possible to borrow money against cash value. This option is better than a conventional loan because the insurance company will not check credit reports and there is no repayment schedule. However, one cannot borrow more than the total cash value.
        • Surrender the cash value – The policy holder can cancel their policy and get cash value in a lump sum. This is often referred to as cashing out.
        • Skip a premium payment – If the holder needs to miss a premium payment, they can use cash value to pay it, thus continuing the life insurance coverage. This can only be done until cash value reaches zero, at which point the life insurance will be canceled if the policy holder do not pay their premium.
      • Disadvantages include higher premiums than term life insurance. Additionally, term life insurance tends to be better for older people since cash values take some time to accumulate.

    Do I Need an Attorney?

    Life insurance policies are full of technicalities and rigid requirements. Additionally, life insurance is regulated by state law, so you have to know the laws in your locality. A life insurance lawyer can help you fully understand your life insurance policy and explain how your state’s laws affect it. If you ever have to sue your life insurance provider, an attorney will know exactly how to do it. Access additional information on life insurance eligibility .

    Link to this page


    Our Leads #lead #generation, #business #lead, #mortgage #lead, #business #opportunity #lead, #insurance


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    Start Receiving Your Leads Now

    We provide high quality marketing leads. All of our marketing leads are generated by us and target self motivated applicants searching the web for marketing services.

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    Any business interested in growing and reaching new customers knows they need to utilize some sort of advertising. There are so many options most do not know where to start. Often times they search the web, where they find our website and fill out our form requesting a quote for advertising services. Why let your competition get the client when we can provide you with the information needed to earn their business. Utilize our advertising leads and find new clients actively searching for advertising services.

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    How Much Does CoolSculpting Cost? #how #much #would #life #insurance #cost


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    How much does CoolSculpting cost?

    Anne Cusack/Los Angeles Times via Getty Images

    You diet, you run, you work out. You live a healthy, positive lifestyle, and yet you still have some areas of stubborn fat that refuse to firm up or fade away.

    If you are in this situation, you may consider cosmetic surgery for removing the fat, including the CoolSculpting brand treatment.

    This process, approved by the U.S. Food and Drug Administration (FDA) in 2010, is a noninvasive, nonsurgical skin-care treatment with proven results for reducing fat in key areas of the body.

    So how much does CoolSculpting cost?

    Prices for the procedure vary, especially as you may require more than one treatment; and as health insurance does not cover CoolSculpting, it is important to understand what costs are involved.

    What is CoolSculpting?

    CoolSculpting is a fat removal procedure. Treatment involves the application of a handheld device to precisely freeze fat below the surface of the skin. During the treatment, the fat cells freeze and crystallize, and after the cells die, the body processes and eliminates them naturally.

    Results usually become apparent after three weeks, with the most noticeable changes within two months, but the body continues to process and expel the fat cells for up to six months.

    The procedure specifically targets stubborn areas of fat in key areas:

    • The abdomen.
    • Flanks (or “love handles”).
    • Inner thigh and outer thigh.
    • The chin.

    CoolSculpting is not suitable for significant weight loss in obese people or people who are more than 20 pounds overweight. For some areas of the body, alternative treatments such as liposuction are necessary.

    How much does CoolSculpting cost?

    The cost of CoolSculpting varies between regions, and factors such as the number of applications play a significant role in the final price. The cost for treatment on multiple body areas averages $2,250. according to statistics from realself.com in October 2016.

    An important factor determining price is the size of the applicator for treating the area. Mini applicators cost approximately $750 to $900. medium applicators cost around $600 to $800. and the large applicators cost approximately $1,200 to $1,500 .

    For example, a single treatment of the lower abdominal area requires a large applicator and costs up to $1,500, while treating the upper abdomen with a small applicator is closer to $900.

    Apply for a personal loan to pay for a CoolSculpting procedure.

    Other cost considerations

    When determining if you have the funds for CoolSculpting, bear in mind that more than one treatment may be necessary to see the best results. So, there is the potential for costs to increase rapidly.

    Furthermore, as CoolSculpting is cosmetic, your health insurance will not cover the treatment.

    It is usually worth trying other ways to lose fat first, such as diet and exercise.

    If all else fails, budgeting for CoolSculpting is usually more cost-effective than procedures such as liposuction. Even so, many CoolSculpting practices offer flexible payment plans so you don’t have to pay for everything at once.

    Are you a suitable candidate?

    Not everybody is a suitable candidate for CoolSculpting. The procedure is only for removing fat in targeted areas and does not provide all-over fat loss. It is not a weight-loss solution for people who are obese and is not a substitute for more drastic weight-loss options, such as gastric bypass surgery.

    The most suitable candidates are healthy individuals with a few noticeable bulges around the abdomen, flanks and thighs.

    Avoid CoolSculpting if you suffer from cryoglobulinemia or paroxysmal cold hemoglobinuria, or if you have an existing hernia that the treatment may exacerbate.

    Always consult with your health care provider first to ensure you are not at any risk of complications.

    Conclusion

    For stubborn fat deposits that seem to resist your best efforts to exercise and diet, CoolSculpting is a reasonably priced, nonsurgical option.

    The process has FDA approval, and while it is not a suitable alternative to a dedicated weight-loss program, it has the potential to tone and tighten problem areas. Just be aware that health insurance does not cover this type of cosmetic process, so you must settle the bill out of your own pocket.

    Always consult your health care provider first, and discuss payment plan options with your CoolSculpting practice before committing to treatment.

    How we make money

    Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.

    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.


    Who Offers the Most Car Insurance Discounts, life insurance types comparison chart.#Life


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    Which company has the most car insurance discounts for you?

    Expensive maintenance, stinging state fees and fuel tank fill-ups can make owning a car a pricey proposition. Your car insurance may represent one of the few areas for possible savings. If you haven t reviewed your policy in a while, you might be missing out on a multitude of valuable discounts.

    Discounts are an important way consumers can narrow the field when it comes to choosing a provider.

    One of the most important things is to advocate for yourself. Ask what discounts are available, says Jim Whittle, assistant general counsel and chief claims counsel of the American Insurance Association. There s a whole slew of discounts in the marketplace.

    To help you find the best deal, Bankrate has updated its table of popular discounts found on the websites of the 10 largest auto insurers.

    Compare car insurance discounts

    For bundling car insurance with other policies, such as home insurance.

    For insuring more than one vehicle.

    For anti-theft device, such as alarm system.

    For safety features such as air bags and motorized seat belts.

    For vehicles that are a certain number of years old.

    For a hybrid or alternative-fuel vehicle.

    For a clean driving record.

    For taking a defensive driving course. May have age restrictions.

    For keeping mileage down. Electronic monitoring of mileage may be required.

    For members of the armed forces.

    For belonging to a certain group or working for a certain company or in a certain field.

    For paying premium all at once.

    For billing or payment done electronically.

    For having stayed with the insurer for a length of time.

    For switching to a new carrier if shopping process started at least a certain number of days before old policy expired.

    For a younger driver earning good grades.

    For a young driver on a policy attending school far from home.

    If you own your home or condominium.

    Note: Some discounts not available in all states.

    Results found in Oct. 22-23, 2015, survey of discount information available on the websites of the 10 largest car insurance companies. The list of top 10 car insurers is by market share in 2014, according to the National Association of Insurance Commissioners.

    We did the digging for you

    We unscientifically, but meticulously, dug through the depths of insurers websites and sifted through sometimes intricate wording about discounts to save you from doing the heavy lifting.

    Many well-known car insurance discounts are spelled out prominently on companies websites. State Farm s website, for example, states that you can save up to 20% if you have 2 or more vehicles in the same household insured by people who are related.

    Nationwide, like all the insurers, has a main list of discounts on its website. If you search further for discounts by state, you ll find various additional reductions that may be possible where you live, including discounts if your vehicle is newer or has air bags.

    Life insurance types comparison chart

    On some sites, details about certain discounts can be found only in Q A sections or in blog posts.

    As in past years, Bankrate has found a trend toward more discounts, including one that s new to our chart: 3 of the top 10 now give a price break on auto insurance if you own your own home or condominium.

    How should you use this information?

    The most important thing consumers can do to find the best car insurance rate is shop around, even if you don t plan on switching providers. Request quotes from multiple insurers and see the savings that each can offer. Be sure to inquire about discounts detailed on our chart.

    If you are out looking for a product, you know what you want in terms of coverage, you know what premiums would be, you find out what discounts are available, Whittle says. Everyone should be asking when they get a quote, What discounts are available? What discounts might I qualify for?’

    Some auto insurers use a method known as price optimization to figure out which customers are likely to comparison-shop versus which customers aren t, says Amy Bach, executive director of the insurance consumer group United Policyholders. In some instances, you can end up being punished for being loyal to your insurer, she says.

    Be proactive against rising costs

    If they find out that you re not going to shop and compare, they may say, We re going to give you a discount for having good grades,’ Bach says. But that actually may mask the fact that they may be charging you more, based on the data-mining that they found.

    To avoid being on the losing end of price optimization or missing out on discounts, it s critical to comparison-shop for the best auto insurance policy.

    Anybody who doesn t take advantage of the opportunity to shop is probably putting themselves at a disadvantage, says Bob Passmore, assistant vice president of personal lines policy at Property Casualty Insurers Association of America.

    The cost of a lot of insurance goes up by the cost of everything else, he says. The cost of taking care of the aftermath in accidents medical care and auto body repair continues to go up, and that s going to be reflected in the insurance premiums we all pay.

    Don t get overwhelmed!

    When shopping for an insurance policy, you may get wildly varying quotes from one insurer to the next. And when you factor in the different discounts each insurer provides, you can easily feel overwhelmed.

    The best thing to do is take your current coverage out and ask for quotes for the same thing, Passmore says. Make sure you re getting the same limits quoted, the same optional coverages quoted. … Somebody could give you a quote for a minimum-limits policy that will look really cheap, but it might be half or a quarter of the limits that you already have.

    Bach says it s also important to ask insurers about their rules for raising rates and surcharging you if you file a claim.

    Find out, OK, if I have a fender bender where no one gets hurt, is that going to make my rate go up? Does every claim make my rate go up?’ she says.

    And when it comes to discounts, don t take what s presented on insurers websites as the final word. Ask if there are any other discounts available.

    It s always worth asking the question, Passmore says.


    Difference Between Life insurance and Accidental Death and Dismemberment Insurance(ADD) #life #insurance


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    What is the Difference Between Life insurance and Accidental Death and Dismemberment Insurance(ADD).

    We have many customers who come to us under the impression that their Accidental Death Policy they purchased is an all cause life insurance, which it is not. A lot of people own these type of policies but are unaware of their limited payout. I personally blame the broker who sold the policy without properly educating the consumer on the big difference. There is more than few big agencies that sell these policies since it is easy to place and faster to get paid.

    To understand the difference let’s define each type.

    Life Insurance Policy

    Is an agreement between you and the insurance company that promises to pay the listed beneficiaries a large sum of money in exchange for a premium in an event of death. Life insurance will cover all causes of death except for suicide(which can be contested in the first two years only). Regular life insurance policies will in most cases require a medical exam and underwriting which can take between 48 hours to a few weeks. There are how ever companies that offer no medical exam options with quicker underwriting.

    Accidental Death and Dismemberment Policy(ADD).

    The company will only pay out a lump sum in the event that you die due to an accident. Also there is a partial benefit payout for a loss of one or more limbs. Please be aware that if your death is due to an illness or natural death there will be no payout. This type of coverage can be acquired with no exam and no underwriting for same day effective date. Since this coverage is a limited form of life insurance the monthly premiums are reduced. Accidental death can be added as a rider to a traditional life insurance plan to pay out double death benefit in loss of life due to an accident(aka double indemnity).

    Both types of plans have their place for consumers but the key is to be aware and not be misled. We typically only recommend an accidental coverage if a person can’t get anything else due to an uninsurable condition or to add to an existing term life insurance plan that they have. This is very important topic because it can be a difference between a child receiving a lump sum to not getting a dime because their parent passed away from an illness and not an accident.

    Not sure what type of policy you need? Call us for any questions at 888-492-1967 or get an instant quote online.


    Is Whole Life Insurance Right For You? Consumer Reports #life #insurance, #whole


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    Is whole life insurance right for you?

    We’ve long advised younger, budget-conscious families to buy term life insurance. The main reason—it offers bargain-price protection that pays a large benefit to your survivors if you die during the typical 20- to 30-year term of the contract. Consequently, we’ve tended to short-shrift whole life insurance because it’s a murky mix of life insurance and savings or investment vehicle that builds cash value after several years and into the ­future—again, as long as you pay the premiums, which can be 10 times as high as those on a same-sized term policy.

    Our advice—that term life is a better deal for most families—hasn’t changed. But because bigger annual premiums result in larger commissions for insurance sales­people, sooner or later an agent may try to sell you a whole life insurance policy, also known as “cash-value” and “permanent life.” But whole life is a lot more complicated than term, and you should understand how both types work.

    The confusion starts with the fact that whole life insurance combines two financial products—life insurance and an investment—into one that is supposed to serve your needs over your entire lifetime. But life is unpredictable, and the circumstances that drove your initial purchase can be very different a decade later. A period of financial stress, say, may prompt you to eliminate the high annual payment and surrender the policy for its cash value.

    Running the numbers

    Click on the image to expand it.

    To grasp the value of whole life insurance, you need to see how it and term life insurance operate in practical terms. We got term and whole life quotes from AccuQuote, an online broker that sells policies from about 100 insurers nationwide, for a 40-year-old Illinois man in perfect health who wants a $500,000 policy with level annual premium payments (click to enlarge the chart, right).

    When you’re young and have a family, term life insurance (dotted-red, then solid red line) provides a big death benefit for a bargain price (turquoise line). But at age 70, in our example, the 30-year term protection ends. That’s also when the term life starts becoming prohibitively expensive because of the insured’s age and declining health, and the increasing probability of death.

    A traditional whole life insurance policy purchased at 40, keeps the death benefit in force beyond age 70, as long as premiums are paid (dashed-blue, then solid-blue line). Whole life premiums are steep, though: $6,760 per year vs. $660 annually for the term policy. But the “excess premium” goes to guaranteed savings, which build cash value over time (light-gray line).

    Alternatively, you could buy the 30-year term policy and each year invest the difference between the whole- and term-life premiums in conservative 10-year Treasury notes. (T-notes are a comparable alternative to investing in whole life, in terms of liquidity, risk, and resulting returns; a stock mutual fund would not be comparable.) In this illustration, which assumes that the current 2.17 percent 10-year T-note rate remains level, the T-notes can provide a higher return on your money (dark-gray line) vs. the guaranteed return (light-gray line)—but no death benefit past age 69.

    So one value of whole life is the continuing death benefit (dark-blue line) for your heirs while you continue to build cash value.

    But some whole life policies also pay dividends based on the insurer’s financial performance. Those returns, not guaranteed but likely, can be reasonably estimated. When the dividends are used to buy additional “paid-up insurance,” that can add an estimated $500,000 to cash value by age 90 (light-blue line) and boost the death benefit to $1.1 million (gold line).

    However, the average annual rate of ­return—1.5 percent for the whole life guaranteed cash value, 2.2 percent for the Treasuries, and 3.5 percent for the whole life possible cash value—is undercut by inflation, currently about 2.2 percent per year.

    So your savings tread water while providing lifelong life insurance, and you can pass on the assets tax-free to your heirs .

    The name of the game is to hold on to your policy until you die. About 4 percent of whole life policies per year lapse, according to a study of 47 million policies issued by 20 insurers over more than two decades, by LIMRA, an industry research company. That means the value of a whole life policy depends on how long you own it. Here’s what to look for:

    Less than five years

    If a reversal of fortune causes you to quit the policy in less than five years, whole life is a lousy investment. Huge front-end sales commissions and policy-surrender charges eat up the cash value, and you’ll probably lose all or most of your investment. You will have received the value of the life insurance protection for that period, but that will be wildly overpriced because you could have paid significantly less for a simple term policy.

    Our advice: If you worry that you won’t be able to maintain those high whole life premium payments for even a few years, buy term insurance instead.

    Sixteen years

    If you dump your policy around the 16th year, your cash surrender value plus the value of the insurance you received will be about what you put in. So that’s the earliest you can drop the policy without losing your shirt.

    Our advice: If you’re wealthy, you can probably gamble on whole life over that long period. If you’re struggling, go with term.

    Two decades and beyond

    As our chart shows, if you steadily maintain your payments for two decades, the returns on whole life, including dividends, start significantly pulling away from the term plus Treasuries alternative. Meanwhile, surrender charges have usually disappeared, if you want to cash out. “If you hold a cash-value policy long enough, it can compete with alternative investments of comparable risk,” says Glenn Daily, a New York City fee-only life-­insurance consultant.

    Our advice: Higher-income folks in the 20+ years club have options: If you’re building a legacy for your heirs and have the money to keep going, the rising return trajectory and insurance coverage should give peace of mind. If you need to leave whole life, you can.

    Whole life provides a death benefit until age 100 to 121, depending on the policy, but you have to keep paying the premium as long as you live. However, for an additional premium, if you become disabled before age 65, the insurance company pays the premiums for the rest of your life.

    Hidden truths

    This mixed bag of potential benefits and costs is complicated enough for consumers to navigate, but poor disclosure robs consumers of the information they need to comparison shop.

    Although most states have adopted model disclosure regulations promoted by the National Association of Insurance Commissioners, no state or federal agency requires them to mention such basics as investment-­management fees, rate of return, and (with the exception of New York) sales commissions.

    Insurers also don’t disclose what part of the annual premium goes to pay the life insurance vs. savings components of the policy. If you don’t know how much is going to your cash account, you can’t accurately calculate your rate of return on that asset.

    That makes it difficult to compare one policy with others. And yet there are large differences in prices among companies for essentially the same coverage, industry experts say. Brian Fechtel, a chartered financial analyst and 27-year life-insurance agent, says commissions on whole life can be 130 to 150 percent of the first-year premium.

    “If the industry disclosed the commissions, whole life sales costs would have to come down to be competitive,” Fechtel says.


    The Differences Between Whole and Term Life Insurance #whole #life #insurance #compare


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    The Differences Between Term and Whole Life Insurance

    Term vs. whole life insurance

    1. Term life insurance is easier to understand and costs much less than whole life insurance, but it has an end date. A 30-year policy is typically the longest term available, depending on your age.
    2. Whole life insurance will last the rest of your life, so your beneficiaries are guaranteed a payout no matter when you die.
    3. Whole life insurance also builds up “cash value,” which is money you can access while you re alive. Term life has no cash value.

    Buying life insurance now provides a financial safety net for your dependents later if you’re not around to take care of them. After you’re gone, your family can use the proceeds to cover funeral costs, mortgage payments, college tuition and other expenses.

    There are two main types of life insurance:

    Term life insurance is the easiest to understand and has the lowest prices.

    Permanent insurance is more complex and tends to cost more than term, but it offers additional benefits. Whole life is the most well-known and simplest form of permanent life insurance. Other kinds of permanent life insurance include universal, variable and variable universal.

    Let’s take a closer look at term life versus whole life insurance.

    In this article

    Term life insurance explained

    Term life insurance provides coverage for a certain time period. It’s often called “pure life insurance” because it’s designed only to protect your dependents in case you die prematurely. If you have a term policy and die within the term, your beneficiaries receive the payout. The policy has no other value.

    You choose the term when you buy the policy. Common terms are 10, 20 or 30 years. With most policies, the payout, called the death benefit, and the cost, or premium, stay the same throughout the term.

    When you shop for term life:

    • Choose a term that coincides with the years you’ll be paying the bills and want life insurance coverage in case you die early.
    • Buy an amount your family would need if you were no longer there to provide for them. The payout could replace your income and help your family pay for services you perform now, such as child care.

    Ideally, your family’s need for life insurance will end around the time the term expires: Your kids will be on their own, you’ll have paid off your house, and you’ll have plenty of money in savings to serve as a financial safety net.

    All of the best life insurance companies sell term life, so it’s easy to find rates.

    Whole life insurance explained

    Like all permanent life insurance policies, whole life provides lifelong coverage and includes an investment component known as the policy’s cash value. The cash value grows slowly, tax-deferred, meaning you won’t pay taxes on its gains while they’re accumulating.

    You can borrow money against the account or surrender the policy for the cash. But if you don’t repay policy loans with interest, you ll reduce your death benefit, and if you surrender the policy, you’ll no longer have coverage.

    Although it’s more complicated than term life insurance, whole life is the most straightforward form of permanent life insurance. Here’s why:

    • The premium remains the same for as long as you live
    • The death benefit is guaranteed
    • The cash value account grows at a guaranteed rate

    Some whole life policies can also earn annual dividends, a portion of the insurer’s financial surplus. You can take the dividends in cash, leave them on deposit to earn interest or use them to decrease your premium, repay policy loans or buy additional coverage. Dividends are not guaranteed.

    Policy differences

    Methodology: We averaged the three lowest quotes available in each category for healthy men and women. Source: Quotacy.

    Choosing between term and whole life insurance

    Term life is sufficient for most families who need life insurance. but whole life and other forms of permanent coverage can be useful in certain situations.

    Term life is a good choice if:

    • You need life insurance only to replace your income over a certain period, such as the years you’re raising children or paying off your mortgage
    • You want the most affordable coverage
    • You think you might want permanent life insurance but can’t afford it. Most term life policies are convertible to permanent coverage. The deadline for conversion varies by policy.

    Whole life, or another type of permanent insurance, is worth considering if you need coverage for the rest of your life. For example:

    • You want to provide money for your heirs to pay estate taxes. In 2017, estates worth more than $5.49 million per individual and $10.98 million per couple are subject to federal estate taxes. State estate taxes vary. Here’s a map of state estate and inheritance taxes from the Tax Foundation.
    • Without a life insurance payout, your heirs might be forced to sell off parts of the estate, such as heirlooms or property, to pay the tax bill.
    • You have a lifelong dependent, such as a child with special needs. Life insurance can fund a special needs trust to provide care for your child after you’re gone. Consult with an attorney and financial advisor if you want to set up a trust.
    • You want to spend your retirement savings and still leave an inheritance or money for final expenses, such as funeral costs. With a whole life policy, your beneficiaries get a payout no matter when you die.
    • You want to equalize inheritances. If you plan to leave a business or other property to one child, you could use whole life insurance to compensate your other children.

    It pays to shop around before buying any type of life insurance. NerdWallet’s life insurance comparison tool can help you find the right amount of term life coverage and compare prices. If you’re considering whole life insurance, it’s smart to work with a financial advisor.

    You may also like


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    LIFE INSURANCE

    Protect what matters to you

    With life insurance, you can ensure the financial security of those left behind after a death. We offer affordable coverage to provide the financial basics for your family. Start exploring your life insurance options today.

    Whole Life Insurance

    • Offers coverage for your entire life
    • Premiums remain level, the same throughout your lifetime
    • Policy loans can provide a future source of money

    Contact a CFS* Financial Advisor at NASA FCU to help select the life insurance policy that s best for you. Call 301-249-1800, ext. 314.

    Term Life Insurance

    • Provides affordable, high-benefit protection for a specific time period
    • Proceeds are paid if you die during the term
    • Premiums and benefits may be either level or decreasing
    • Does not include cash accumulation or investment feature

    Contact a CFS* Financial Advisor to help select the life insurance policy that s best for you. Call 301-249-1800, ext. 314.

    Contact Selman and Company, our plan administrator, online or by calling toll-free at 1-877-665-7563. Get a free consultation with a professional licensed insurance representative to help you determine your term life insurance needs.

    Guaranteed Issue Term Life Insurance

    • Available for members age 45-75
    • Up to $25,000 in affordable term life insurance without a medical exam
    • Acceptance is guaranteed (limited benefits for the first 2 years)

    Contact Selman and Company, our plan administrator, online or by calling toll-free at 1-877-665-7563. Get a free consultation with a professional licensed insurance representative to help you determine your term life insurance needs.

    Accidental Death and Dismemberment (AD D) Insurance

    • Receive $1,000 in AD D coverage at no cost
    • Eligible for increased coverage amounts at low group rates
    • Coverage is underwritten by Transamerica Premier Life Insurance Company

    Contact Affinion Benefits Group, our plan administrator, toll-free at 1-855-416-7385 today to talk with a professional insurance representative. To get the preferred rates, you must mention that you are a NASA Federal Credit Union member.

    *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA /SIPC ) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. NASA Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

    WE’RE HERE TO HELP


    Compare Insurance Policies and Plans in India #compare #insurance, #best #life #insurance,


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    Why Compare Health Insurance with us?

    Health expenses are increasing considerably each day and so are the health risks. With a wide array of health insurance policies, the task of choosing the best health insurance policy for your needs can be quite tough and confusing. At MyInsuranceClub we provide you with comparative health insurance quotes to select the best health insurance policy in a quick and simplified manner. You can also compare features of different health insurance policies to check the best health insurance policy for your requirements.

    • With our instant online calculator. you can compare health insurance premiums easily
    • With the plan features, you do get the Best Health Insurance Comparison
    • Yes, we are Completely Un-biased in our comparison
    • MyInsuranceClub does this for you at no cost – It’s Free!

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    What is Health Insurance?

    Health Insurance, also known as Mediclaim in India, is a form of insurance which covers the expenses incurred on medical treatment and hospitalisation. It covers the policyholder against any financial constraints arising from medical emergencies. In case of sudden hospitalisation, illness or accident, health insurance takes care of the expenses on medicines, oxygen, ambulance, blood, hospital room, various medical tests and almost all other costs involved. By paying a small premium every year, you can ensure that any big medical expenses, if incurred, will not burn a hole in your pocket. The plan can be taken for an individual or for your family as a Family Floater Health Insurance Plan.

    Major Benefits in a Health Insurance Policy

    Cashless facility

    Each health insurance company ties up with a large number of hospitals to provide cashless health insurance facility. If you are admitted to any of the network hospitals, you would not have to pay the expenses from your pocket. In case the hospital is not part of the network, you will have to pay the hospital and the insurance company will reimburse the costs to you later.

    Pre-hospitalisation expenses

    In case you have incurred treatment costs for the ailment for which you later get admitted to a hospital, the insurance company will bear those costs also. Usually the payout is for costs incurred between 30 to 60 days before hospitalisation.

    Hospitalisation Expenses

    Costs incurred if a policyholder is admitted to the hospital for more than 24 hours are covered by the health insurance plan.

    Post-hospitalisation expenses

    Even after you are discharged from the hospital, you will incur costs during the recovery period. Most mediclaim policies will cover the expenses incurred 60 to 90 days after hospitalisation.

    Day Care Procedure Expenses

    Due to advancement in technology some of the treatments no more require a 24 hours of hospitalisation. Your health insurance policy will cover the costs incurred for these treatments also.

    Ambulance Charges

    In most cases the ambulance charges are taken up by the policy and the policy holder usually doesn’t have to bear the burden of the same.

    Cover for Pre-existing Diseases

    Health insurance policies have a facility of covering pre-existing diseases after 3 or 4 years of continuously renewing the policy, i.e. if someone has diabetes, then after completion of 3 or 4 years of continuous renewal with the same insurer (depending on the plan offered and his age), any hospitalisation due to diabetes will also be covered..

    Tax Benefits

    The premiums paid for a Health Insurance Policy are exempted for Under Section 80D of the Income Tax Act. Income tax benefit is provided to the customer for the premium amount till a maximum of Rs. 15,000 for regular and Rs. 20,000 for senior citizen respectively.

    No-Claim Bonus

    If there has been no claim in the previous year, a benefit is passed on to the policyholder, either by reducing the premium or by increasing the sum assured by a certain percentage of the existing premium.

    Health Check-Up

    Some health insurance policies have a facility of free health check-up for the well being of the individual if there is no claim made for certain number of years.

    Organ Donor Expenses

    The medical expenses incurred in harvesting the organ for a transplant is paid by the policy.


    Life Insurance Quotes – Consumer Resources #life #insurance,life #insurance #quotes,life #insurance #companies,life


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    Life Insurance Quotes Information

    Who Needs Life Insurance?

    Do others depend on you financially? Do you have a family? Do others depend on you financially? How long could your dependents maintain their current lifestyle without your income? Will they be left with funeral expenses? Will there be legal expenses? If you answer yes to any of these questions, you need to consider life insurance.

    How Much Life Insurance Coverage Do You Need?

    If you are single, have no children or are part of a two-income household, you will only need minimal life insurance. Even if you are young and single, a life insurance policy can provide enough money to cover your funeral expenses.

    If you have dependents, such as a non-working spouse, children or parents who rely on your income, life insurance should be your highest priority after basic living expenses.

    The amount of life insurance you need depends on your particular situation; who will you need to financially protect and for how long? One common rule of thumb is to multiply your annual income by 17 and purchase a policy in that amount. For example, if you make $50,000 a year, you should have $850,000 in life insurance.

    What Kind of Life Insurance Do You Need?

    There are two basic types of life insurance policies: term life and permanent life insurance.

    Term Life Insurance is the most basic type and is meant to provide coverage for a specified period of time, usually 10 to 30 years, in exchange for a set monthly premium. This type is usually the most affordable option for individuals under the age of 50.

    Permanent Life Insurance lasts for the insureds entire life, as long as premiums are paid. Permanent policies combine a death benefit with a savings component. This can build cash value, which can be withdrawn or borrowed against to meet future financial goals.

    The two main types of permanent life insurance are whole and universal life insurance.

    Whole Life Insurance provides a fixed benefit amount and a fixed premium amount. The benefits of Whole Life Insurance include cash value, dividend payments, secured asset for loan collateral and cash payment for final expenses, such as burial costs, estate and probate taxes. One major advantage to this type of policy is that you can cancel it and receive a rebate for any cash value that has been accumulated.

    Universal Life Insurance is similar to Whole Life, as they both have cash value that accumulates in tax-deferred savings over time. Universal policies, however, have a greater degree of flexibility than traditional Whole Life policies. Universal Life policies give you the ability to adjust the premium amount and benefit amount over the term of the policy. You can select two different types of death benefits per Universal policy and opt for the death benefit to only pay what has been accumulated in the cash value of the policy. This would cost less than electing a fixed death benefit plus the cash value.

    Additional Resources

    Finding the right life insurance policy for your family and loved ones can be confusing. LifeInsurance.org provides several easy-to-use resources to help you make more informed decisions.
    Some of the resources include:

    • Guides and Articles to help you make informed decisions.
    • Learn about the difference between term and permanent life .
    • Helpful tips for consumers on how to apply, information about American family insurance rates, types, ratings, etc.
    • State guides (for U.S. readers).
    • An overview of the leading companies. including MetLife, Liberty Mutual, Prudential, New York Life and Gerber Life Insurance.
    • Frequently-asked questions .
    • Compare instant quotes from leading providers.

    About Us

    Our goal is to provide consumers with objective information and the tools so they make an educated decision on what product is best for them. LifeInsurance.org is neither a company nor an agency. We do not sell insurance policies to consumers, and so our focus is on both educating and providing you access to leading providers. As a service to our readers, we enable users of LifeInsurance.org to search for insurance quotes from leading companies who sell the policies, and can provide you with quotes along with guidance in buying the right policy. The information presented on LifeInsurance.org is intended for general consumer knowledge. We do not provide advice on individual situations or legal issues.

    Latest Articles


    Whole Life Ministries – Augusta, GA – Non-denominational Church, whole life ministries.#Whole


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    About Us

    Whole Life Ministries is a full-gospel, non-denominational church which was established as a result of a vision God gave our Pastor, Sandra Kennedy.

    Whole life ministries

    Visit Us

    Please join us on Sundays at 10:30 am, Mondays at 7:00 pm, and Thursdays at 7:00 pm as we come together for worship, prayer and bible study.

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    Honey from the Rock Café

    Serving southern food at its finest, Honey from the Rock Café is open for lunch Monday-Friday, 11am-2pm.

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    The Healing Center

    Are you sick and in need of physical healing? Come as we teach what the Bible says about health, healing and wholeness, and experience the healing power of God in your life.

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    Whole Life Christian Academy

    Our Academy strives to develop the child in every aspect of his life: spiritually, physically, mentally, socially and emotionally. Grades K5-5th. ECD Program is available for ages 2-4.

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    Whole Life Christian Bookstore

    Our purpose is to carry books that will change and transform lives. Come visit our local store M-F in Augusta, GA or shop online today.

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    SKM TV Network

    Watch Dr. Sandra Kennedy and Whole Life Ministries 24-7 through our online TV network. View exclusive teachings, classic messages, guest appearances, and much more

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    Prayer & Praise USA

    Join us in prayer as we take back our neighborhoods and nation for the Kingdom of God. Receive daily alerts, prayer updates and stand in unity with other believers all across this nation.


    Life Insurance Rates: Compare Life Insurance Quotes, which life insurance is better.#Which


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    Life Insurance Rates

    We have made it easy to choose the right life insurance policy at the lowest price.

    Affordable Life Insurance Rates

    Join the countless satisfied customers that have found affordable life insurance policies by utilizing our completely free service. Instead of having to visit a life insurance agent in person or comparison shop across multiple websites, you now have the ability to compare life insurance rates from the comfort of your own home. Don’t wait any longer to find cheap life insurance. Within minutes you will receive life insurance rates from leading companies such as Gerber Life Insurance, MetLife, AIG Insurance, Prudential, and many more. Simply enter your zip code and get your free life insurance rates today!

    Which life insurance is better

    So, now that you have found the ultimate resource that allows

    you to compare life insurance rates, what type of coverage do you need?

    Which life insurance is better

    Which life insurance is better

    Brian is a certified life insurance, estate planning and financial service specialist with over 15 years of experience.

    If you are one of the many consumers wondering if you are required to undergo a medical exam when applying for coverage, we have answers.

    Whole Life Insurance

    • “Provides Complete Protection”
    • Fixed premiums that offer stability
    • Tax-deferred cash value that will grow
    • Guaranteed death benefit payout
    • Ability to borrow against cash value
    • Coverage for your entire life if kept current

    Term Life Insurance

    • “Offers Affordable Coverage”
    • Least expensive form of life insurance
    • Easy to understand and manage policy
    • Complete coverage at a great low rate
    • Guaranteed death benefit for current plans
    • Flexible term lengths

    Universal Life

    • “The Flexible Payment Option”
    • Adjustable premiums for maximum flexibility
    • Guaranteed interest rate
    • Annually adjustable death benefit
    • Guaranteed monthly income option for beneficiaries
    • Policy can be maintained indefinitely

    Survivorship Life

    • “Protects Your Legacy”
    • Covers two people, commonly spouses
    • Control over estate and legacy
    • Beneficiaries receive full amount of policy tax-free
    • Also known as second to die life insurance or joint insurance
    • Intended for wealth preservation

    Which life insurance is better

    Free Life Insurance Quotes in Minutes

    Your time is valuable. We have simplified our form to make it easy to complete within minutes. Once you have provided some basic contact information and medical details, you’ll receive life insurance quotes from a number of prestigious companies and can choose the premium that fits your budget. Buying life insurance is easier than ever before. Some life insurance companies require a basic medical exam, which can be completed at your home or office in a manner of minutes. You may even qualify for a streamlined non-exam plan from select providers.

    Which life insurance is better

    The Importance of Life Insurance

    Life insurance is one of the most important decisions you can make to give you and your loved ones financial security and peace of mind. If you were to die prematurely, how would your mortgage or debts be paid off? What would replace your much-needed income? How would your children be able to attend college? Buying life insurance answers these lingering questions and can put an end to uncertainty. Even if you live a healthy lifestyle, life insurance is an essential component of planning your retirement.

    Once you submit the simple form, you can rest assured that our advanced matching process will put you in touch with reputable local agents who will help you find the best life insurance cost and a plan that meets your needs. If you have questions about life insurance claims or need to file a claim, our informative guides can help you. You may be wondering if a medical condition will affect your life insurance rates. The answer could be closer than you think. These guides also allow you to compare the different aspects of each life insurance policy and choose the best life insurance type for you and your family.

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    Charlotte Chamber, life insurance charlotte nc.#Life #insurance #charlotte #nc


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    GreenWorks Council: Sustainability at Bank of America Stadium

    Event Date: 08/30/2017

    Event Time: 10:00 am – 11:30 am

    Event Location: Carolina Panthers

    We are at capacity for this event. To be put on a wait list, please email Ashley Hedrick at [email protected]

    GreenWorks Council: Sustainability at Bank of America Stadium

    Technology Summit 2017

    Event Date: 08/30/2017

    Event Time: 1:00 pm – 6:00 pm

    Event Location: 8.2.0 Charlotte

    The 2017 Technology Summit will gather Charlotte’s top executives to share their expertise in enhancing public and private innovation, growing and recruiting talent in Charlotte to support the technology infrastructure, and fostering a dynamic and diverse entrepreneurial economy in our community.

    Technology Summit 2017

    Ballantyne Chapter Luncheon: Hire, Discipline and Terminate Employees Without Making a Mess

    Event Date: 09/07/2017

    Event Time: 11:30 am – 1:00 pm

    Event Location: Ballantyne Country Club

    Curious what questions you should and should not ask applicants during interviews? How do you investigate complaints by employees or effectively impose disciplinary action? What steps do you take when it’s time to end someone’s employment? Join Kevin J. Dalton, of Fisher & Phillips LLP as he answers these questions and more for your small to mid-sized business.

    Ballantyne Chapter Luncheon: Hire, Discipline and Terminate Employees Without Making a Mess

    SouthWest Chapter Luncheon: Debunking the “Myth” of Steele Creek, Analyzing the Common Misconceptions Surrounding Education, Location and Economic Diversity

    Event Date: 09/11/2017

    Event Time: 11:30 am – 1:00 pm

    Event Location: Drury Inn & Suites

    Perhaps no region of the Queen City can better serve as a microcosm of the city’s rapid transformation than Southwest Charlotte. What is Southwest Charlotte’s modern identity? Join the SouthWest Chapter for a panel discussion as we analyze the 3 most common misconceptions of Steele Creek surrounding education, location and economic diversity.

    SouthWest Chapter Luncheon: Debunking the “Myth” of Steele Creek, Analyzing the Common Misconceptions Surrounding Education, Location and Economic Diversity

    SouthPark Chapter Luncheon: The Economic Impact of Sporting Events in Charlotte

    Event Date: 09/12/2017

    Event Time: 11:30 am – 1:00 pm

    Event Location: Maggiano’s Little Italy

    The boom of sporting events in Charlotte has created a vast economic impact across the city. Join William Webb, Executive Director of the Charlotte Sports Foundation, and the SouthPark Chapter for a conversation around sporting events in Charlotte and how it enhances the quality of life in our community.

    SouthPark Chapter Luncheon: The Economic Impact of Sporting Events in Charlotte

    Power of Women Luncheon: Purposeful Networking: Dismantle Fear, Build Confidence, Be Effective

    Event Date: 09/18/2017

    Event Time: 11:30 am – 1:00 pm

    Event Location: Crowne Plaza Charlotte Executive Park

    Let’s face it. Networking can be intimidating. We are placed in business environments where the ability to effectively network is imperative to building key professional relationships. Heidi Hansen, chief executive and coach with Heidi Hansen and Associates, will discuss best practices in addressing how introverts can connect, building confidence and dismantling fear for desired outcomes.

    Power of Women Luncheon: Purposeful Networking: Dismantle Fear, Build Confidence, Be Effective

    NorthWest Chapter Luncheon: Area Economic Development in Vermillion, Bryton and Riverbend Communities

    Event Date: 09/21/2017

    Event Time: 11:30 am – 1:00 pm

    Event Location: NorthStone Country Club, LLC

    Huntersville population is expected to reach 85,000 by 2030, dramatic growth from a population of only 3,104 in 1990. Join our North West Chapter to hear about the investments and vision first hand behind these mixed-use developments in Vermillion, Bryton and Riverbend communities.

    NorthWest Chapter Luncheon: Area Economic Development in Vermillion, Bryton and Riverbend Communities

    Land Use Committee Meeting September 2017

    Event Date: 09/27/2017

    Event Time: 8:00 am – 9:00 am

    Event Location: Charlotte Chamber – Duke Energy/Wells Fargo Room

    Land Use Committee Meeting September 2017

    Metro Chapter Luncheon: New Superintendent Clayton Wilcox and the future of Charlotte Mecklenburg Schools

    Event Date: 09/27/2017

    Event Time: 11:30 am – 1:00 pm

    Event Location: SpringHill Suites Charlotte Uptown

    Join the Metro Chapter for an important discussion with new Superintendent, Clayton Wilcox on the current state and future trajectory of Charlotte Mecklenburg Schools. Wilcox will share the future goals for CMS and why you should vote yes for the school bonds in November. Come with questions for the Q ?>

    AARP Life Insurance & Lifetime Income Programs from New York Life, aarp


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    Who Are You

    Planning to Protect?

    Your spouse, your family, yourself and your retirement: the AARP Life Insurance and Annuity Programs from New York Life offer simple, secure choices just for AARP members.

    Decide which is right for you:

    Life Insurance »

    The AARP Life Insurance Program from New York Life Insurance Company offers members both term and permanent group coverage. No physical exam is required. For most products, acceptance is based on your health information. Find out which coverage is right for you.

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    Annuities from New York Life Insurance and Annuity Corporation can help members meet their financial goals before and during retirement. The AARP Lifetime Income Program from New York Life Insurance and Annuity Corporation lets AARP members purchase a group annuity that turns part of their savings into a guaranteed monthly income stream for life. Find out more about these annuities.

    From New York Life, Endorsed by AARP

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    Call A New York Life Representative

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    † Includes details on costs, eligibility, renewability, limitations and exclusions.

    New York Life Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, producers, or brokers. AARP has established the AARP Life Insurance Trust to hold group life insurance policies for the benefit of AARP members.

    The AARP Life Insurance Program is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. The AARP Lifetime Income Program is underwritten by New York Life Insurance and Annuity Corporation (NAIC #91596), Newark, DE 19713. AARP membership is required for Program eligibility. Guarantees are based on the claims-paying ability of NYLIAC. Specific products, features and/or gifts not available in all states or countries. New York Life Insurance Company and NYLIAC are licensed in all 50 states. (Group life insurance policy forms AA-08, AA-64, AA-65, AA-66, AA-67, AA-68, AA-71, AA-72 and Individual policy forms ILJUV, ILJUV6-ID, ILJUV6-LA, ILJUV6-MN, ILJUV6-0H, ILJUV6-VT). (Group annuity policy forms IA-01, IA-02, and IA-04). New York Life Insurance and Annuity Corporation is a wholly owned subsidiary of New York Life Insurance Company

    Complete terms and conditions are set forth in the group policy issued by New York Life to the Trustee of the AARP Life Insurance Trust.

    Young Start is a service mark of New York Life Insurance Company.

    The licensed life insurance agent is Michael Horan (Arkansas #280279, California #0B58435). Please call New York Life at 1-800-865-7927 .

    © 2017 New York Life Insurance Company. All rights reserved.

    An error has occurred, which may prevent this page from functioning properly. We apologize for any inconvenience this may have caused. Please try again later.

    Aarp life insurance payments


    How to Prepare for a Health Insurance Physical: 11 Steps #no #med


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    How to Prepare for a Health Insurance Physical

    Stop smoking. If you can go three months without tobacco, you will legally be considered a non-smoker. This can bump you into a lower premium rate. Work on quitting smoking in the months leading up to your health insurance exam.

    • Urine tests can detect tobacco in the system, so make sure you do not use chewing tobacco, a nicotine patch, or nicotine gum in the months leading up to the exam. [1]
    • Talk to your family and friends about wanting to quit. You can seek support online, through Narcotics Anonymous meetings, reading materials, and other outside resources. Quitting tobacco can be very difficult due to its highly addictive nature and strong physical withdrawal symptoms. You’ll need a lot of support throughout the process. [2]
    • Do not lie about your nicotine habits. Many people feel they can simply lie about their smoking habits and downplay how much they use cigarettes. To do so constitutes fraud and can lead to you being bumped off an insurance plan. [3]

    Change your diet. Cutting back on certain foods while incorporating others into your diet can help with blood test results. Try to eat a healthier diet in the months leading up to your exam. This can result in better cholesterol levels, blood pressure, and heart rate which can all result in a lower premium for you.

    • Strive for a healthy diet high in fruits, vegetables, low fat dairy, whole grains, and lean meats. Avoid sugar, processed foods, and fast foods in preparation for your exam. You want your body as healthy as possible. [4]
    • Avocados can be particularly helpful in preparation for an exam. They’re high in monounsaturated fat, which is a heart healthy fat your body needs, and can result in your HDL cholesterol levels going up. HDL is often referred to as “good cholesterol” because it promotes strong overall health. [5]
    • Limit salt intake, as this can cause weight retention and a spike in blood pressure. [6]

    Limit alcohol and caffeine consumption. Coffee and alcohol can both affect your numbers during blood work. It’s best to cut out alcohol and limit caffeine intake in the weeks leading up to your exam.

    • Alcohol can affect the liver, an important bodily organ. Liver function is generally tested during a health insurance exam. Binge drinking the days before tests are conducted can skew numbers. If your blood work shows no alcohol in your system, this is also a plus. Heavy drinkers are prone to a number of health problems so insurance companies are likely to offer lower rates to those who don’t drink or who drink in moderation. [7]
    • While coffee and caffeine are unlikely to cause major health problems, caffeine intake can cause a temporary spike in blood pressure. Work on cutting back on caffeine in the months leading up to your exam so you have no problem forgoing the morning cup of joe before your appointment. [8]

    Lose weight. Even a small weight loss of 5 or 10 pounds can put you in a lower insurance bracket. Strive to take off some weight. Aim for a loss of 1 or 2 pounds a week in the months leading up to your exam can help.

    • Healthy weight loss requires a combination of moderate physical activity and calorie restriction. Reduce your caloric intake by about 500 calories a day and aim to engage in moderate aerobic activities, like running or jogging, for 30 to 40 minutes a day at least 3 times a week. [9]
    • Do not opt for fasts or crash diets, as the weight you’ll lose will be mostly water weight. It will come back on quickly and your metabolism can be affected by yo-yo dieting. [10]

    Dress light. Heavier clothing can add a few pounds to the scale. While this might not seem like a big deal, a 2 or 3 pound difference could you put you in a higher health bracket and result in higher premiums. Wear lighter clothing, and make sure to wear garments with sleeves that can easily roll up. You’ll have to do so to get your blood pressure taken and to get blood drawn. [14]

    Stay calm while getting your blood pressure taken. If you’re nervous while getting blood pressure taken, this can affect results. Try to stay calm in the waiting room as your vitals are usually the first thing a nurse or doctor will take.

    • If the hospital allows, see if your blood pressure can be taken after the exam itself. You may be feeling calmer then, especially if you’re afraid of needles or other aspects of a doctor’s office. [15]
    • Find ways to relax in the exam room while waiting to have your blood pressure taken. Practice deep breathing exercises, call a friend, read a book, or do a relaxing activity like a crossword puzzle. [16]
    • Deep, soothing breaths can also help. Breathing in through your nose and taking air down into your abdomen can lower your heart rate and blood pressure. [17]

    Stand up straight when your height and weight are taken. Weight/height charts often determine insurance premiums. Slouching can cause you to lose half an inch or more when your height is taken, affecting how much it’s appropriate for you to weigh. Stand up as straight as possible when doctors take your height so you can get an accurate measurement. [18]


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    Health and Saving Tips:

    Its always a good time to quit bad habits: Chewing tobacco, smoking and drinking, all these habits are injurious to our health. Its prime high time to take care of your health and prevent your family as it is truly said that prevention is always better than cure. Quit these lethal and deadly habits and save your life as well as money. Plan to invest and go with the good investment plan that covers your health risk and gives a smart return at the time of your retirement age. We save your life and provide sound economic returns with the slogan AAJ KI BACHAT KAL KI SURAKSHA

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    Metro Life Flight – Cleveland National Air Show #metro #life #flight


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    Metro Life Flight

    Launched in 1982, Cleveland Metro Life Flight is an internationally recognized critical care transport service based in Northeast Ohio. Accredited by the Commission on Accreditation of Medical Transport Systems (CAMTS) since 1994, Metro Life Flight provides both local and international assistance utilizing helicopter, Lear jet and ground unit assets.

    Metro Life Flight s four person team is comprised of two pilots and two critical care specialists including nurses and physicians. Each member of the team brings industry state-of-the art experience complemented by the high standard of training required within the Metro Life Flight family.

    Metro Life Flight helicopters will perform daily flybys at this year s show along with a display. Metro Life Flight home page click here: Metro Health

    Be sure to check out all of the spectacular performers.

    U.S. Air Force Thunderbirds

    USN Super Hornet

    de Haviland Vampire Jet

    USA Golden Knights

    WWII Pacific Dogfight

    USCG HH-65C SAR Demo

    Shockwave Jet Truck


    Newark Car Insurance Agents #newark, #ohio #insurance #agents, #newark, #ohio #auto #insurance,


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    Car Insurance Agents in Newark, OH

    Find a Nationwide Insurance Agent in Newark, Ohio

    Nationwide auto insurance

    Newark’s packed greater metropolitan area means that there are a lot of people on the roads during the workweek rush hour. But you don’t have to test the daily downtown commute to benefit from the protection of Newark auto insurance from Nationwide. There are also plenty of RVs, motorcycles, and other specialty vehicles enjoyed by residents across the city. Talk to one of our Newark auto insurance agents about your coverage and discover the services and products that have earned us a 95 member satisfaction rating.

    Nationwide homeowners insurance

    Whether you’re protecting a home that’s been in the family for generations, or you’ve just bought a house in one of the city’s fledgling newer communities, it’s impossible to foresee every possible hazard. A Newark home insurance policy can help get you and your family back on their feet when covered damages occur. Along with the usual options included in a homeowner’s policy, you should inquire about our Brand New Belongings , Better Roof Replacement , and other Nationwide homeowner’s programs that can strengthen your coverage and your peace of mind.

    Nationwide life insurance

    You know how people think they know Newark just because they’ve heard enough of the city’s folklore? It’s not all that different with life insurance. Just because you’ve heard about term, whole, universal, and variable policies doesn’t mean you know which one is right for your household and family planning. Fortunately, our Newark life insurance agents have plenty of experience understanding the individual concerns of local families and their life insurance decisions.

    Nationwide business insurance

    If you’re like a lot of Newark business owners we know, you’re constantly evaluating and worrying about the vulnerabilities facing your company. What risks keep you up at night? Broken windows and late night burglary? An employee or contractor getting in an accident with a company vehicle? Fire and/or flooding? Like so many things, we can’t prevent every instance of commercial loss, no matter how hard we try. Fortunately, our Newark business insurance agents can serve as risk management experts for companies in a variety of sizes and industries.

    Online Quotes and Local Insurance Coverage

    In just minutes, you can input your zip and local insurance information to view personalized quotes. Next, buy the policy online, or speak with one of our Newark insurance agents.


    20 Year Term Life Insurance – The Most Popular Term Life Plan


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    20 Year Term Life Insurance

    It is common for young adults in their early twenties and thirties to put off looking into life insurance. They consider it something that they cannot afford and assume since they are in good health, it is not a priority. However, no matter how healthy someone is, accidents can happen at any time. Without life insurance to help make up missing income, families can quickly find themselves in financial trouble.

    The good news is that there is an excellent low cost option for young people just starting out: twenty year term life insurance. Unlike whole life insurance plans, term life covers a preset period of time, which is usually 10, 20 or 30 years. This allows monthly premium payments to be much lower than other life insurance policies, especially if the insured is in good health. The goal of term life insurance is quite simple: it is there to replace lost income.

    While this type of life insurance policy is easy to understand and extremely inexpensive, especially compared to other types of insurance, it is not for everyone. As with other kinds of insurance, the cost of monthly premiums is tied to the health of the insured. Therefore, people who are in their 20’s and 30’s are able to benefit from the lowest policy payments. Additionally, term life insurance only offers coverage for a set amount of time, unlike whole life insurance which is permanent and never expires. The majority of people who chose this type of life insurance intend to be able to self insure after the end of the policy period.

    It is important to note that term life insurance is also not a viable option for estate planning or charitable giving, since there is no guarantee of a payout. Further, while it is an excellent option for the majority of families, people who have special needs children may want to consider full life insurance policies. Children with special needs may require funds to ensure that they are taken care of throughout their entire lives, and term life insurance may not be able to provide that.

    There are several advantages to choosing term life insurance over other types of insurance. To begin with, it is simple to understand and as mentioned, offers the lowest cost way to provide a high benefit payout to beneficiaries. People are guaranteed the same level premium rate for the duration of the policy, so they do not have to worry about costs increasing over time or due to health issues. Another advantage of using term life insurance is that the payout is income tax free.

    Further, while this type of life insurance is set to end when the term has completed, people still have the option of extending their insurance policy on a year by year basis. While people do not have to have another medical exam, their policy premium is based on their age. This is usually a much higher amount than what they were paying for their original policy agreement, but the option is still available. Typically the premiums go up around 50% once the term period expires, however some can be as much as 100% more to convert from 20 year into a permanent policy depending on your age. You can ask your agent to provide you average term life insurance quotes for individuals 20 years older than yourself to get an idea.

    When looking into term life insurance, there are two main options that people need to consider: the length of the term and the amount that they are insured for. Most people select term life insurance because they want to be sure that their children will be taken care of financially, should something happen to them. However, after 20 years, children should be able to support themselves, and this type of policy is no longer needed.

    The other thing that people should consider when looking at term life insurance is how much they want their payment to their beneficiaries to be. Since the goal is income replacement, choosing a high payout option is not always the best decision, especially since the chosen amount will not be paid out after the term ends. To figure out a realistic payout amount, people should take their yearly income and multiply that number by between 25 or 35. This will take into account for additional income over the years and also ensure that there is more than enough money for a family to live off of without sending monthly premiums through the roof. If you make around $100,000 of annual income per year you would want to purchase a life insurance policy with a face amount of 1 million dollars or more. This will replace your income for about for years.

    There are very few people that would not benefit from some form of life insurance, and no one can be sure what will happen to them from one day to the next. While full life insurance policies may be too expensive for many younger people, term life insurance offers people the ability to take care of their families for a low monthly premium. People can easily get a rate quote online to find out how much a term life insurance policy would cost them monthly. These quotes are free, look at pricing from a variety of insurers and only take a few minutes to complete.

    About The Author

    Lauren Cohen writes hundreds of 20 year term life insurance policies each year. She has the knowledge and experience to find you the best policy for the least amount of money!


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    Get a FREE Personalized Quote on
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    American General Life Insurance Company has been helping protect the hopes and dreams of American families for more than a century. As part of the American General Life family, AIG Direct is one of the largest direct to consumer marketers of term life insurance in the country.

    To keep things simple, we work directly with you. We give our customers valuable, in-depth and personalized information along with the convenience of handling everything right over the phone. Our licensed life insurance professionals provide you with personalized information that’s specific to your situation. They help define your life insurance needs, answer any questions you may have, and guide you through the application process.

    And for current policy owners, we’ll review your existing coverage and help determine what best for you at the current stage of your life. People’s life insurance needs change over time, and we’re here to help whether you’re welcoming a new baby, buying a home, or getting ready for retirement.

    We strive to give you the information you need to make the right decisions about term life insurance. After all, your loved ones and family depend on you.

    And if you’re in the state of New York, we can help you too. In New York State, policies are issued from The United States Life Insurance Company in the City of New York (US Life).

  • 2017 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. (“AIG Direct”), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company (“AGL”), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York (“US Life”), New York, NY, all members of American International Group (“AIG”). Each issuing insurance company is responsible for financial obligations of their respective insurance. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant.


    Best Psychics & Mediums By Psychic Medium Researcher Bob Olson #psychic, #medium,


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    Welcome to the home of psychic medium researcher Bob Olson’s.

    Genuine Legitimate Psychics Mediums List

    On this site, author of Answers About The Afterlife and The Magic Mala. host of Afterlife TV, and former skeptic private investigator Bob Olson reveals to you a list of the most gifted psychics and mediums he has tested as legitimate! He calls it his “Genuine Legitimate Psychic Mediums List .” These are the psychics and mediums he has personally vetted using his 15-point test. Since 1999, Bob has tested hundreds of psychics and mediums from around the globe. Some readings were lacking, some good, and some were absolutely extraordinary. The people listed on this site fall into the extraordinary category.

    There really are people who can communicate with your loved ones in spirit. They are known as “mediums” or “psychic mediums”. There also really are people who can intuitively read your energy, such as your aura or Universal energy. They are known as “psychics” or “intuitives.” Psychics help people to find clarity and direction in life, while mediums typically focus their readings on communicating with spirits or spirit guides. It’s not uncommon, however, that mediums sprinkle some psychic messages and psychics sprinkle some mediumship into their readings.

    Bob Olson is a former private investigator who has researched psychics psychic mediums for over 15 years. He is also the author of Answers about the Afterlife: A Private Investigator’s 15-Year Research Unlocks the Mysteries of Life after Death and The Magic Mala: A Story That Changes Lives. Once a cynical skeptic, Bob met his first genuine and legitimate psychic medium in January of 1999. The medium conveyed messages from Bob’s deceased father and grandmother that were undeniably accurate, including details such as names, dates and information about his life that this stranger (the psychic medium) could never have known. This spirit-to-medium reading opened Bob’s skeptical mind to new possibilities, and he has consequently spent the past 14 years studying and investigating psychics, mediums and life after death. Bob Olson is the only psychic, medium afterlife expert who is not a psychic or medium himself. If you’re a talk show host or TV/documentary producer, visit the Info For Media page.

    Bob Olson’s Pledge to You

    “My pledge to you is that I have personally tested each psychic and medium on my “Genuine Legitimate Psychic Mediums List .” I have developed a 15-point test that allows me to determine if a psychic or medium is legitimately gifted while they give me a private reading. And while I cannot promise that you’ll have the same level of experience in your reading as I did in mine — since there are many subjective factors that determine a successful reading (like your personal reading preferences expectations) — I can promise that each psychic and medium listed has proven to me that they are extraordinarily gifted and has the ability to give you a reading so powerful that it can change your life.”

    Bob Olson, BestPsychicMediums.com, BestPsychicDirectory.com AfterlifeTV.com

    The Intent Behind Bob s Work

    “My mission on this site, Best Psychic Mediums, is to help you locate legitimately gifted psychics and mediums. I want you to experience the blessing of communicating with your deceased loved ones, which is the role of mediums. And when your own intuitive connection seems clouded, I want to safely lead you to insightful readings that give you the direction you need, which is the role of psychics.

    “I’m motivated by the idea of helping people feel the inner peace that comes with “knowing” we survive death. I want to comfort the grieving by helping them connect with their loved ones in spirit, and to help them know this connection is always there. I want everyone to know–not just believe–that death is not to be feared, but rather, the spiritual realm is our true home, which is free of all human suffering and filled only with the love joy of the divine.”

    Bob Olson, Psychic Medium Researcher
    Afterlife Investigator since 1999

    Important Scam Notice

    People need to be careful of greedy scam artists who are pretending to be psychics or mediums. These frauds are good at deceiving people, especially those grieving and desperate to make contact with their deceased loved ones. Read More


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    The entire process was exactly the way it should be. Everything was as it was told to me and the communication was excellent. Very professional, real people on the other side of the computer screen and emails.

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    Our experts have answers to the most commonly asked life insurance questions.

    What is life insurance?

    Life insurance provides a payout after your death to the people you designate as beneficiaries. It’s an important safety net if anyone depends on you financially. The life insurance payout can pay debts such as a mortgage, replace your income and provide college tuition funds.

    Who needs life insurance?

    NerdWallet recommends life insurance for anyone who has loved ones who depend on them financially. This includes working or stay-at-home parents, homeowners who have a mortgage, business owners and others. More: Who needs life insurance

    What’s the difference between whole and term life insurance?

    Term insurance covers you for a set amount of time and is sufficient for most people. Among the various types of life insurance available, term life insurance quotes are the most affordable. Whole life insurance pays out no matter when you die, and builds cash value that you can access. More: Term vs. whole life insurance

    How are life insurance quotes calculated?

    Life insurance companies use life expectancy as the basis for determining rates. Anything that could shorten your life expectancy will typically lead to a higher price. Your age, gender, health conditions and family’s health history are all taken into consideration. More: Average life insurance rates

    Can I get life insurance if I have a medical condition?

    Don’t let a health condition stop you from getting life insurance quotes. 80% of people overestimate the cost of term life insurance. Life insurance is widely available to people with medical conditions. More: Life insurance with a medical condition

    What information is required when applying for term life insurance?

    You’re typically asked about your current and past health conditions, and your family health history. The insurer may ask for your consent to get your medical records and may ask you to take a life insurance medical exam. Insurers will also check other data sources to determine term life insurance quotes. More: What you need to apply for term life insurance

    If you are covered under a group life insurance policy through your employer, do you still need a personal policy?

    It is generally a good idea to have your own life insurance policy outside the coverage provided by your employer. The policy through your employer is likely not enough and typically ends if you leave the job. More: Group life insurance through work

    Take care of what matters most to you


    Insurance Brokers in Edmonton #insurance #edmonton, #insurance #companies #in #edmonton, #insurance #brokers


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    Insurance Brokers for Edmonton Beyond

    Since its founding in 1965, Drayden Insurance Ltd. has grown substantially, now representing the majority of leading Canadian and International insurance providers. When you’re searching for insurance brokers in Edmonton who will take the time to understand you, your family or your business’s specific insurance concerns, turn to Drayden Insurance.

    As an independent brokerage, our team can comprehensively search the market and build customized insurance protection plans for you and what you value most. We take pride in treating our customers honestly and fairly, which is one of the reasons we have more than 30,000 satisfied clients across eight locations in Alberta.

    Don’t leave your life and livelihood to chance. Contact Drayden Insurance today to learn how our team of insurance professionals can customize the perfect insurance coverage to fit your needs.

    Drayden s Assured™ Program

    When you partner with Drayden Insurance you can rest easy knowing that as our valued customer we will put your best interests first. Whether it s personal, commercial, farm or registry products, Drayden s ASSURED™ program provides a customized approach and solutions that work for you or your business. Another way Drayden is Here. For you.

    Edmonton Insurance Brokers Serving the Community

    At Drayden Insurance, our Edmonton insurance brokers have access to a multitude of insurance companies and have established strong ties with each, forged by years of trust. This allows us to completely review a provider’s many insurance options, always searching for the right plan at the right price for our clients. We’ve helped people from all walks of life protect what they cherish; from new homeowners to new drivers, small and large businesses alike have enjoyed the peace of mind that comes from having comprehensive insurance coverage from a leading provider.

    When we say we can insure all aspects of your life, we mean it! We offer a wealth of insurance plans, including:

    Our auto insurance plans are designed to include more than your car. In fact, we can build a plan that will cover just about any moving vehicle, including commercial vehicles. private passenger vehicles, collector cars, motorcycles. snowmobiles. RVs. boats and more.

    Western Canada is bursting with profitable and dynamic businesses and commercial spaces. Why risk everything you’ve worked so hard to build? Our brokers provide coverage for a wide range of sectors, including contractors, oil and gas service, transportation, property owners, developers, retailers, wholesalers, offices, car washes gas bars. church/faith organizations. forestry. first nations. the Royal Canadian Legion. among many others.

    Life insurance is crucial, and financial planning is necessary for effectively managing your funds and assets in order to eliminate debt and live comfortably well into the future. Drayden Insurance provides brokerage services for life insurance. and disability critical illness insurance. while also providing financial planning services. group and employee benefits plans. and RRSPs.

    Farming is a very specialized industry. Thankfully, Drayden Insurance employs brokers who either specialize in the farming industry, or are actually farmers themselves. Insurance plans can be arranged for beekeepers. dairy farmers. grain seed growers. hog farmers. and poultry farmers .


    Insurance For Your Home, Car and Life: Tim Shaw Insurance #group #life


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    Insurance

    Are you searching for an experienced, friendly, knowledgeable insurance agent with integrity, one that will always put your interests first rather than hide the small details just to make the sale? Well, you have found him. Tim Shaw Insurance founded by Tim Shaw in 1974. We are an insurance company that serves the communities of Fort Myers, Naples, Bonita Springs, Cape Coral, Punta Gorda, Port Charlotte, Venice, Sarasota, and Tampa. For more than four decades, we have privately advised and served our clients home and auto insurance as well as all other personal insurance needs. Please feel free to check us out by clicking the following link. We are A+ accredited by The Better Business Bureau

    Hi, I’m Tim Shaw, and I am proud to be considered one of the longest active and Premier Independent Agent Insurance Companies in South West Florida. Our employees have over 200 combined years of experience in privately protecting the personal assets of our clients �Putting Protection First.� This method first identifies your individual risk characteristics and then we develop and recommend a plan to protect your valuable possessions at the lowest possible quote, with the best matching insurance carrier to your needs. Putting Protection First, then looking for the best price, is the smart way to shop for your home insurance.

    Seems simple enough right, well not so. You see the Direct Writers, like Geico, Progressive, State Farm and Allstate, have convinced shoppers that it’s all about the lowest price. We have all seen the commercials, “Give me 15 minutes, and I will save you 15%.” They try to convince you that price is the only thing that matters and to buy insurance as if it were a TV or a refrigerator. That strategy has cost hundreds of people to lose thousands and even hundreds of thousands of savings and lifelong accumulated assets in one afternoon at the courthouse.

    Buying home or auto insurance should not be so casual, and should be considered a serious experience. Every time you or anyone backs your car out of your driveway, all of your assets (stocks, bonds, collections, real estate) are riding in that front seat with you. Make one little mistake and you can lose them all. It only takes a willingness on your part to look at the small print, and to know the right questions to ask to avoid. Also, not jumping at the cheapest home insurance quote is also critical to avoid missing coverages that you might need when something bad happens. The best place to start though is to find an agent with years of experience who has a reputation for honesty and integrity. You will get honest advice that will be in your best interest, not the agent�s pocketbook. It does require a little planning, but that is where we come in. Ignore this part of the process, well that is hazardous and very dangerous to your financial future. In the end, is a little bit of savings worth the extra risk to you and your family?

    I have a formula that can help you thru the process of buying insurance;

    ONLY use Independent Agents. They are �your agent� not an agent of their captive employer or insurance company (i.e. State Farm, Allstate, Geico).

    ONLY use an A+ accredited BBB agency. They have zero consumer complaints and are held to a higher degree of integrity and honesty in their practice.

    ONLY use a salaried agent. Eliminates self-interest that will put all the focus on you and your needs.

    As an independent agency, we qualify on all three counts. We represent ALL of the carriers writing home insurance in Florida, so there isn’t a need to shop around and get three quotes. We will give you all 21 of them. With Identity Theft growing at three digit levels, you should be concerned about how many places of business you give out your personal information. Here at Tim Shaw Insurance, we protect your identity with compliance to the HIPPA and the Sarbanes-Oxley Act.

    Lastly, after 4 decades we believe we know what most of you want;

    You will have an agent that will answer your calls AND/OR return your calls same day.

    A salary (not commission) paid agent, that will always put protecting your assets ahead of self-interests..

    A well trained and knowledgeable agent that will answer all your questions and provide a hassle-free experience.

    We only use reputable companies that show up at your door with their checkbook when you have a claim.

    Competitive, acceptable pricing by finding you the most value for the lowest price .

  • We practice what we preach. Honesty, Integrity and Exceptional Value.

  • You will get all this and more at Tim Shaw Insurance; we have been providing this type of service for 41 years, and it�s where we hang our hat.


    Earning Dividends through Life Insurance – The Simple Dollar #which #of #these


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    Earning Dividends through Life Insurance

    Life insurance is like ice cream, it comes in lots of flavors, and like ice cream flavors, no form of life insurance is clearly better than the rest. It’s all about personal preference which, when it comes to life insurance, can have a great deal to do with individual circumstances. In most cases, the real danger surrounding life insurance is not having adequate coverage.

    Life insurance is like ice cream, it comes in lots of flavors, and like ice cream flavors, no form of life insurance is clearly better than the rest

    Participating Policy Contracts

    Insurance terminology can be intimidating and confusing but they don’t have to be. “Participating Policy Contract” is one of those terms that sounds a lot more complicated than it actually is. Breaking the term down will make it easier to understand.

    All insurance policies are contracts. which means they are agreements between the policy owner, you and the insurance company. The contract in this case boils down to this: you promise to pay a regular premium for a set amount of insurance, and the insurance company promises to pay the face value of the policy (contract) to your beneficiary upon your death.

    The participating part in this case refers to your participation in sharing in the profits of the insurance company. Participating policies are usually a whole life policy that pays dividends. The dividend is a portion of the insurance company’s profits that are paid to policyholders as if you were an investor or stockholder. The policyholder is generally offered several choices of what to do with the dividends when they are paid.

    Participating policies are usually a whole life policy that pays dividends

    Participating policy dividends may be used in a number of ways:

    • Taken as Cash – The insurer sends you a check for the amount of the dividend.
    • Premium Reduction – The amount of the dividend is deducted from your premium.
    • Savings – Dividends may be left with the insurance company to earn interest.
    • Purchase More Insurance – May be used to purchase additional paid up insurance.

    Guaranteed or Non-Guaranteed That is the Question

    Not all participating policies guarantee dividends! Dividends are shares of the insurance company’s profit, and as anyone who watches the stock market will tell you, profits go up and down, which means dividends can and will vary over time. Participating policies even from the same provider may be different, which is why it is very important to ask and read your contract. When companies guarantee a dividend, it usually means a higher premium – a portion of which is ultimately used to pay you.

    Participating policies even from the same provider may be different, which is why it is very important to ask and read your contract

    Good, Better, Best

    Not all insurance companies are created equal, and when you consider purchasing a participating policy, an important consideration should be the relative strength of the insurer. A.M. Best and Standard and Poor’s both employ analysts whose sole job is to watch over insurance companies and grade their performance.

    The higher a company’s rating, the more likely they will pay the projected dividends being offered. The difference between an A, AA and AAA rating may not be significant enough to sway you from choosing one insurer over another, but the differences may become substantial when you drift below an A rated provider.

    Find the Best Life Insurance Rates

    Enter your zip code below and be sure to click at least 2-3 companies to find the very best rate.

    Not all insurance companies are created equal, and when you consider purchasing a participating policy, an important consideration should be the relative strength of the insurer

    Dividends are calculated differently by different companies, however they are generally based on the current cash value of your policy. Northwestern Mutual’s dividend formula is a simple and effective way to get the right number. Consider these numbers using it:

    $58,367 cash value
    X 3.29% interest rate

    $ 1,923 your dividend

    The advantage is that over time as your cash value increases, your dividend increases as well. You may never get rich from participating insurance dividends, but they can go a long way to increasing your coverage or paying down your premium. As you might expect, they require time and patience to reap the reward.

    Income Taxes

    Dividends earned from a participating life insurance policy are not taxable by the IRS

    Dividends earned from a participating life insurance policy are not taxable by the IRS. Participating policy dividends are not taxable as income because they are not dividends in the traditional sense. While they do represent a portion of the insurance company’s profit, that profit was made from you. In essence, the IRS treats them as though they are refunds for overpayment of premium.

    The Bottom Line

    All life insurance is an investment in the financial well-being of your loved ones. Participating Life Insurance provides a modest benefit while you’re alive and can work to your advantage by reducing your premiums, or buying additional paid up or term insurance. The cost of a participating life policy is higher than a non-participating policy, and both of these policies are significantly higher than a term life policy.

    The bottom line when deciding what type of policy is right for you is to consider all of your personal factors such as:

    • Current coverage needs
    • Cost per unit of coverage ($100,000 $250,000 $500,000)
    • Your health and other risk factors
    • Your age
    • Your anticipated future needs

    Learning and understanding your options is the first and most important step to creating a solid foundation on which to construct your future protection.

    Recommended For You

    Get rid of high interest debt with a 0% balance transfer credit card


    Avbob Life Insurance #avbob #life #cover, #avbob #life #cover #quotes, #avbob #life


    #

    Avbob Life Insurance

    AVBOB Mutual Assurance Company Ltd was established in Bloemfontein in 1918 and aims to ensure that your family s future remains secure in the event of your death or disability. AVBOB has been serving the South African market for more than 90 years. AVBOB has grown to be Africa’s largest Mutual Assurance Society, providing a one-stop funeral insurance and burial service. Currently, more than 3,8 million lives are insured by AVBOB.

    AVBOB Life Insurance has a variety of products to protect you and your family

    Life Cover:
    Your family will receive up to R500 000 if you die.

    Avbob life insurance Cashback Policy:

    This policy will pay out a benefit provided that you have not lodged a claim within the first 6 months of the creation of your policy. In the event of your death or disability, the Cashback policy will pay you out a percentage depending on the period that the policy has been placed. In the case of accidental death, 100% of cover will be paid out on all valid claims without the imposition of a waiting period.

    Avbob life insurance payment of the Sum Assured:

    • This policy offers three services including; The Funeral Accelerator, Lump Sum Benefit, and Survivor Benefit.
    • Funeral Accelerator: The beneficiaries receive 10% of the life cover within a period of 48 hours of submission of the required documentation.
    • Lump Sum Benefit: A lump sum benefit of 70% of the life cover is paid at the time when the claim assessment is finalized.
    • Survivor Benefit: A lump sum benefit of 5% of the sum assured is paid as survivor income for each of the four months following the date of finalization of the claim.

    Disability or dread disease cover:
    Cashback Lifestyle will pay out up to R500 000 as a lump-sum if you become disabled or are diagnosed with a critical illness.

    Avbob contact details:

    Address: Building, 368
    Madiba Street,
    Pretoria, 0002


    Real Life Game online, farm simulation survival games, free to play 3rd

    #online business games

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    Real Life Survival Game 3rd World Farmer

    Rating. 7.8 / 10 – 22031 votes

    3rd World Farmer is a serious-thought-provoking online game and business strategy simulation activity for high school teens and college students where you have to manage an impoverished farm in a dried out desert area of Sub-Saharan Africa. This is an exceptional survival role-playing game online, and gives you a striking, first-hand insight into extreme rural poverty, and the hardships and challenges faced by the millions of starving, struggling farmers and families of developing nations. In 3rd World Farmer, you have to make tough moral and survival decisions in order to provide for your underprivileged family, while enduring droughts, disease, poverty, corruption and war. How ethical will you be when you desperately need to pay your rapidly-ailing family’s food and medical bills? Will you accept virtual money to survive in return for storing chemical waste, and even housing terrorists?

    The Deal: Your proactive mission is to help the head of the family turn this small farm in a developing nation into a commercial success. You must carefully budget and decide which crops to grow each year to sustain your family, and grow. There are several crops to choose from (corn, wheat, cotton and peanuts), and some prove more risky than others, providing potentially large earnings or huge losses. Make enough profit to invest in the necessary tools such as ploughs, harvesters and tractors to improve your crop yields. Increase your capital by investing wisely in essential buildings such as sheds, wells and barns. But remember, all investments have associated risks; wells can dry up, barns can be destroyed, and livestock may be stolen. Remember also Do not become too greedy! You must first prioritize your family’s health, or they may weaken, and be struck down by a deadly disease!

    How to Play: Each year you must decide which crops to grow on your restricted budget. Use your computer mouse to select and buy crops, livestock, tools and buildings. Left click in the upper left corner of the game screen, and then drag and place the crops in your field. Left click your mouse again on a family member in the center of the screen to administer medicine and other options. When you have bought all your items for the season, click the “Right Arrow” in the top right corner of the screen to forward your circumstances one year in time. You then receive an annual report of how your farm has performed.

    To succeed, you need to display good business acumen and strategic thinking skills to help ensure that your family, farm and community is safe and prosperous into the future. Carefully strategize and invest in “Communications” to coordinate sales with other farmers, “Infrastructure” for easier access to markets and “Crop Insurance” to give your family an income when your crops fail. Support a local “School” and “Clinic” for improved health and education services in your area. Donate to a local “Politician” who genuinely works for peace, health and prosperity for all. This will help benefit the long term well-being of the entire nation. When you have succeeded in purchasing the six above mentioned items, you win. Good luck with your new farming venture and survival challenge!

    Discuss this interesting, thought-provoking game on the Learn4Good Games site with your friends, family and teacher! Whatever side of the fence or ocean you find yourself, you might take time to ponder how One world has a Third world.

    Hello! If you’ve already told some friends in school or on social media about this game or Learn4Good Games, thank you so much! If you are going to tell your best friends, thank you in advance! You & your playing friends help to make this game site possible! We add new games almost every day, and look forward to bringing you more top games very soon. Some helpful links to share include Top 100 Games. Top New Games & Latest Games. Enjoy!

    3rd World Farmer players also like to play these games on Learn4Good:

    2003-2016 Learn4Good Ltd: Fun Online Games for Kids





    Life science – definition of life science by The Free Dictionary #life


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    life science

    life science

    Any of several branches of science, such as microbiology, zoology, botany, or ecology, that deal with living organisms and their organization, life processes, and relationships to each other and their environment. Also called bioscience .

    life science

    any one of the branches of science concerned with the structure and behaviour of living organisms, such as biology, botany, zoology, physiology, or biochemistry. Compare physical science See also social science

    life sci ence

    any science that deals with living organisms, their life processes, and their interrelationships, as genetics, botany, and ecology.

    life sci entist,n.

    life science

    Any of several branches of science, such as biology, medicine, or ecology, that studies living organisms and their organization, life processes, and relationships to each other and their environment. Compare physical science .

    Thesaurus Antonyms Related Words Synonyms Legend:

    References in periodicals archive ?

    New Jersey’s main competition to attracting a new life science jobs continues to be Boston/ Cambridge and San Francisco–home to such major research universities as Boston University and UCSF, a multitude of major venture capital firms and a proactive development atmosphere–creating the infrastructure required by the life science community.

    Renowned in the life science community for its accuracy and high quality data in the analysis of genetic variability and DNA sequences, Pyrosequencing is now being developed for the application area of whole genome sequencing,” said Erik Wallden, CEO of Pyrosequencing.

    7 /PRNewswire/ — Life Science cross-border mergers and acquisitions are setting a record pace in 1994, fueled by U.

    Missing or inadequate firewalls are not uncommon in areas such as healthcare and life science start-ups where IT might not be properly staffed or funded.

    In the past two years alone, Saul Ewing has added Bernard Rhee, a licensed pharmacist who practiced as a pharmacist for eight years before becoming a lawyer; Guido Galvez, a former molecular biologist; Damon Brown, a former chemist; Chris Lee, a biologist and former research assistant at The Institute for Genomic Research; Aida Lebbos, a former attorney in the technology transfer office at the University of Maryland; George Ritchie, a patent litigator; Mark Gruhin, a life science transactional attorney, and Christopher Hall, a former Assistant U.

    BioCrossroads is Indiana’s life science initiative, a public-private collaboration that supports the region’s research and corporate strengths while encouraging new business development.

    In bringing together this programme, ITI Life Science hopes to solve some of the main problems associated with producing high volumes of quality stem cells.

    Our members include organizations engaged in, or supportive of, research, development and commercialization of life science technologies.

    Through the Caliper Driven program, life science and diagnostic companies can access Caliper’s leading microfluidics patent estate and automation technologies to drive innovation and remain competitive in an increasingly complex healthcare industry.

    Pelican Life Sciences ‘ mission is to facilitate life science research by providing the highest quality products for discovery and detection.

    Burrill Company assists life science companies to identify, negotiate and close strategic partnerships and merger and acquisition transactions by providing access to resources, technologies or collaborations essential for executing company business plans.

    ABD’s recently launched Life Sciences Unit, under the leadership of Client Services Manager, Wade Geisler and Life Science Services Manager, Cristina Varner, has created an online tool that will assist clients in rapidly determining coverage requirements and expediting the placement of clinical trials coverage anywhere in the world.


    Thirty-Six Couples Wait for Every One Baby Who is Adopted #thirty-six,couples,wait,baby,adopted,abortion,adoption,life,keith #riler


    #

    Countless women in the U.S. choose abortion over adoption for their unborn babies every year. When I sat in on counseling sessions at a pregnancy center, I learned that women are often very closed to the idea of adoption. They either want to keep their baby themselves or get rid of the baby now. Adoption statistics are hard to track, since states are not necessarily required to report domestic adoptions. However, the numbers are grim, and much of it is owing to abortion.

    If true, such a mindset is troubling. How could we be so hostile to life, particularly given that there are up to 36 couples waiting for every one baby placed for adoption ?

    The data is admittedly sparse, but sufficient. Obtainable statistics indicate that U.S. adoptions generally fall into three categories. a) adoptions from U.S. foster care. involving public welfare agencies (37%); b) private adoptions of U.S. children (38%); and c) private adoptions from international sources (25%). The percentages shown parenthetically represent all 0- to 17-year-old adopted children in the U.S. as of 2007, by source of adoption i .

    Based on these percentages, annual foster care adoption data. and readily available abortion statistics, we can (i) determine if many mothers and fathers really do feel that killing their children is a better option than choosing families for their children and, if so, (ii) explore why they might feel that way.

    To do so, all yearly adoptions were totaled, with a sub-total for U.S.-sourced adoptions:

    The table above shows that abortions dwarf adoptions by 11.7 to 1. Even this may understate the abortion/adoption disparity, because not all domestic adoptions are of infants, and any adjustment to reduce the adoption denominator to infant-only adoptions will further increase the abortion/adoption ratio. For instance, backing out foster care adoptions (generally older children) increases the abortion/adoption ratio to 23x.

    The recent article and its author are correct. We kill our unwanted kids 12 to 23 times ii more frequently than we save them. Why? Why might mothers and fathers believe that permanently rendering unwanted children lifeless is preferable to granting them hope inside a new handpicked family? With its puppies-for-panhandlers program, San Francisco is giving unwanted puppies more hope than we give our unwanted children. Why not spend the extra several months pregnant and save a life?

    Some readers will reflexively answer health care. Though ObamaCare has hyperinflated health care by creating non-disease diseases like sexual activity. pregnancy. and old age let s consider it. Is there a serious health reason for aborting children 12-23x more frequently than bearing and placing them in welcoming families?

    We know women don t expect to get sick and die from pregnancy, and the data support that fact. More importantly, we know that abortion is more dangerous to a mother than is pregnancy. Studies show that countries banning abortions experience substantially lower maternal mortality. Examples include Ireland. Poland. Malta. and now Chile. On the other hand, countries with legalized abortion experience increased maternal mortality. South Africa experienced a fourfold increase in maternal mortality since a UK-funded abortion organization set up clinics around that country.

    So if not for real health reasons, why? The answer may be as simple as frightful ignorance that many people are scared and just don t realize that a baby s heart beats in 22 days. hiccups begin 52 days. organs function 8 weeks after conception in short, that abortion kills a human. Or perhaps paganism worshipping Choice, we kill children; worshipping Moloch. Canaanites and Carthaginians killed children.

    Another answer may be found in the wealth of opinion and literature. and even in an anti-adoption movement. that are aimed at justifying the decision in therapeutic terms. For example, consider :

    Although a birth mother may not be hit with financial costs surrounding her unplanned pregnancy if she chooses adoption, there is a generally a profound emotional toll. [M]ost birth mothers [sic] profoundly affected by the loss of their children[.] Most birth mothers mourn the loss of their children throughout their lives and none forget their children and move on effortlessly as they may have been assured that they would.

    This explanation is made reasonable only by avoiding consideration of the lethal act and actual profound loss it seeks to justify. Years before Roe v. Wade. C.S. Lewis identified the same sentiment in The Four Loves . Consider Lewis straight talk, expressed by the character Orual about her sister iii :

    We d rather they were ours and dead than yours[.] I was my own and Psyche was mine and no one else had any right to her.

    Lewis may have been on to something. He presciently identified the therapeutic abortion-over-adoption mindset as a disordering of love between family members. It is a love distorted by pride and the false assumption of ownership that can be deadly to both the giver and the recipient iv .

    In the case of abortion over adoption, it is a distortion that ignores the child as gift, a separate and dignified human being, a source of happiness and a calling. Lewis cautions that it is a disordered love that reduces us all: You darken our counsels and your own soul with these passions v .

    Unlike the to-be-aborted child, Psyche has a voice, and with it, she addresses her would-be terminator vi :

    It is like looking into a deep pit. I am not sure whether I like your kind of love better than hatred. Oh, Orual I begin to think I never knew you. Whatever comes after, something that was between us dies here.

    Lewis fictional characters resolve the disordered love in their midst. Orual sees the error of her ways and elevates to a better and self-giving love vii :

    Never again will I call you mine; but all there is of me shall be yours. I never wished you well, never had one selfless thought of you. I was a craver.

    A 12-23x abortion/adoption ratio indicates we too are cravers and disordered lovers, the likely result of our addiction to a selfish and radical autonomy. We should probably expect that abortions will exceed adoptions until our possessiveness, pride, and self-orientation are transcended by gift-love, which seeks the good of the beloved and helps the other kinds of love avoid the pitfalls that can turn any of them into a kind of hatred viii .

    Perhaps with some education about the life-affirming benefits (to mother, father and baby) of seeing a pregnancy through, parents of unwanted children might log the extra few months and provide their kids with hope in a loving and vetted family. If an effective ad campaign can dramatically reduce the incidence of smoking. drunk driving, the failure to use seat belts, or obesity, then surely there is an answer that softens the hearts and minds of pregnant women when it comes to adoption.

    The good news is that the cure for our abortion epidemic already exists, and it is adoption. If, in fact, there are 36 couples lined up for every adoption, there are 4-5 million couples waiting for babies, a number that is 3-4x greater than the 1.2 million babies we annually abort. Imagine the benefits of annually adding another 1.2 million happy and productive citizens. These rescued individuals and their children just might solve the demographic challenges of our broken entitlement programs.

    i Adoption USA: A Chartbook Based on the 2007 National Survey of Adoptive Parents.

    ii On a related note, Planned Parenthood is a disproportionate contributor to the abortion/adoption ratio. We know that Planned Parenthood aborts 391x for every adoption referral. We also know that Planned Parenthood accounts for 25%-30% of all U.S. abortions. Without Planned Parenthood, the nationwide abortion/adoption ratio would fall at least 30% to at most 8.1x, from 11.7x.

    iii C.S. Lewis, The Four Loves, pp 290-291.

    iv Nancy Enright, CS Lewis Till We Have Faces and the Transformation of Love, Logos, Fall 2011, Volume 14:4, p 109.

    viii Ibid, p 107.

    LifeNews Note: Keith Riler is a financial analyst who has been a director of private and public companies. Under this pen-name he is an occasional writer for the daily internet publication The American Thinker, Faith Magazine, Texas Right to Life and LifeNews. Originally published at American Thinker.

    Share this story:


    Vantis Life Term Life Insurance #vantis #life, #term #life #insurance, #guaranteed #issue


    #

    Explore SBLI Life Insurance Products From Vantis Life

    Super EZ Term Life Insurance – Choose a level term life insurance plan locked-in for 10, 15 or 20 years. In most cases, there are no medical exams or lab tests and you can apply for up to $300,000 of coverage, with a simple application.

    *Qualification is based on SBLI’s underwriting review.

    SuperTerm Life Insurance – Lock-in your rate with a Level Term policy guaranteed for 10, 15, 20, 25, or 30 years. SBLI’s Low cost Super Term Insurance is available from age 21 in policy sizes of $100,000 to $5,000,000.

    SuperTerm ROP Life Insurance – Get the life insurance that pays you back! With the Return of Premium feature you can get 100% of your premiums returned** to you, tax-free, if you outlive your policy term. Available level term policies guaranteed for 20, 25, or 30 years.

    **excludes flat extras, substandard ratings and additional rider premiums

    Children’s Life Insurance – Two options are available that will give your child a significant head- start on the way to adulthood: Single Premium Term Life and 20-Pay Permanent Life.

    Super EZ Complete SM – permanent life insurance available in amounts up to $100,000. There is a simple application, and in most cases, there are no medical exams or lab tests. Your coverage continues for life and builds cash value on a tax-deferred basis.

    VantisValue SM / VantisValue Plus SM Coverage – Permanent life insurance available in amounts up to $5,000,000. Your premium remains level and does not increase with age. Coverage continues for life, while earning cash value and dividends (as earned) which can be used for any purpose such as retirement, education, etc.

    Guaranteed Golden – is low cost whole life insurance for people ages 50 through 80. There are no health questions or physical exams to worry about, and you cannot be cancelled because of age.

    Mortgage Life Insurance – You can cover your mortgage with SBLI Mortgage Life insurance and have the premium included in your monthly mortgage payment. Your premiums will not increase with age and coverage continues until your loan is paid off.

    EstateWise Single Premium Whole Life (SPWL) – For a one-time, single premium payment you can provide the maximum amount of tax-free estate transfer to pass to the next generation.

    *Not FDIC/NCUA Insured; Not Bank Or Credit Union Guaranteed; Not A Deposit; Not Insured By Any Federal Government Agency