Types of Insurance #types #of #insurance, #insurance, #life #insurance, #health #insurance, #different


Types of Insurance

Based on Today’s life style the list of types of insurance is increasing day by day. You will find a lot many numbers of new insurance policies which you might have not heard before. One of the most important and compulsory insurance for vehicle owners is: third party insurance. Read about insurance companies in india. The main types of insurance policies available in the market are:

  • Life Insurance: In this policy, the insurance company pays in case of the demise of the policy holder or at the time of the maturity of the policy. Now a days a new policy has been launched by insurance companies in which you will be covered under the insurance policy even after the maturity of the policy. Read what are the different types of life insurance and which one is good for you.
  • Property Insurance: This insurance helps you to prevent the losses against theft, fire, burglary or any natural calamity like Earthquake, Floods etc. based on the points mentioned in the policy.
  • Health Insurance: Health Insurance consists of a package of various types of insurance related to health. For example Medical Insurance is one the major part of health insurance however in most of the cases, dental issues are not covered in this policy so there is another Dental Insurance policy which covers dental problems and is also a part of health insurance. The subcategory of health insurance also involves the injuries or accident at workplace insurance benefits.
  • Auto Insurance: Any financial loss due to accident of a vehicle is covered under the auto insurance policy. Sometimes the expenses on the medicines for treating injuries and all other medical expenditure are also covered under this policy.
  • Travel Insurance: Loss of personal belongings while traveling, medical coverage, delays in the travel are all part of the travel insurance policy.
  • Insurance at Amusement Points: This is a one of the new kinds of insurance policy (not very popular in India) where in you are insured against the equipments that you are using at the amusement joints. For example: if you are using boats for an independent boat ride. then they will charge you with some extra money for an property loss(say $5) and in case of any property damage you will not be liable to pay any amount required to repair the damaged property.
  • Credit Insurance: This type of insurance pays the loans of the policy holder in case of any accident of the policy holder or job loss or death.
  • Third Party Insurance: This type of insurance covers damages caused by you (first party) to others (third party). For more details visit third party insurance.

Apart from these above mentioned insurance policies there are many other types of insurance policies in the market (and the list keeps on increasing) that are more or less related to these policies however providing benefits to the policy holders in a different and unique way.

What happens in the final days of life #las #vegas #hotels #on

#end of life symptoms


What happens in the final days of life

The body begins its natural process of slowing down all its functions. How long this takes varies from person to person and may take hours or days. The dying person will feel weak and sleep a lot. When death is very near the dying person may have

  • Sleepiness and difficulty waking (semi conscious)
  • Difficulty swallowing or not wanting to eat or drink at all
  • Loss of control of bladder and bowel control
  • Restless movements (as though they are in pain)
  • Changes in breathing
  • Noisy breathing
  • Cold feet, hands, legs and arms
  • Confusion and disorientation
  • Complete loss of consciousness

You can read about all these changes below.

It can be emotionally very difficult to watch someone go through these physical changes. But they are part of a natural dying process and don’t mean that the person is uncomfortable or in distress.

The doctors and nurses looking after the person during this time will check regularly for these changes. They will do all they can to make your relative or friend as comfortable as possible during their death. If you are looking after someone at home while they are dying, you should have support from a specialist community nurse, district nurses, and the GP. They can answer your questions and help to make home nursing easier for you.

People who are dying often sleep a lot and might not respond when you try to wake them. But this doesn’t mean they can’t hear you. Hearing may be one of the last senses to be lost. So it is important not to stop talking to them and comforting them. You can sit close to them and hold their hand. It is important not to say anything that you wouldn’t want them to hear. It’s also a good idea to tell them when you go into or leave their room.

There will come a time when the dying person won’t want to eat or drink anything. It is important not to try and force them to eat or drink. This will make them uncomfortable. If they are still awake you can give them small pieces of ice to suck or sips of fluid to keep their mouth moist. You can put lip balm on their lips to help stop them getting dry and sore.

If they really can’t take anything into their mouth, you can moisten their lips and mouth every 1 to 2 hours with lemon and glycerine swabs or water. Your GP or district nurse can get you the swabs.

The dying person might lose control of their bladder and bowel. This happens because the muscles in these areas relax and don’t work as they did. This can be distressing to see and you might worry that they may feel embarrassed. The nursing staff will do all they can to protect the bed and keep your relative or friend as clean and comfortable as possible.

If you are caring for someone at home, the district nurses and specialist nurses can arrange for you to have draw sheets or pads to protect the bed. They may also be able to arrange a laundry service for you, if necessary. As people become very close to death and are not eating or drinking, the amount of urine and stools they produce gets less and less.

Many people who are dying, and the people around them, worry that they will be in pain. Some people don’t have pain. But if a person is in pain, it can usually be well controlled and people can be kept very comfortable. The doctors and nurses looking after the dying person will do all they can.

Sometimes restlessness is a sign of being in pain. If the dying person can’t communicate very well and you think they are in pain, the most important thing is to tell their doctors and nurses. They will want your relative or friend to be pain free, so do talk to them. This will help them plan the best way of controlling the pain.

When someone is dying their breathing often changes. It might get noisy and irregular. There may be times when they stop breathing for a few seconds. This is called Cheyne Stoke (pronounced chain stoke) breathing. They may breathe with their mouth open and use their chest muscles to help them catch a breath.

It can help to raise the head of the bed with pillows or cushions. Just sitting with them, speaking gently, and holding their hand can be very reassuring for them. If someone is having difficulty breathing, a doctor or nurse might suggest giving a small dose of morphine, even if they are not otherwise in pain. Morphine can help to make breathing easier.

You may hear gurgling or rattling sounds as the dying person takes each breath. This is coming from their chest or the back of their throat. It is because there is a build up of mucus and saliva and they don’t have a strong enough cough reflex to cough it up. Raising their head and turning it to the side can help gravity to drain the secretions.

Sometimes a nurse or doctor can suck the fluid out through a thin tube put down into the person’s windpipe, but this is not usually needed. Hearing the gurgling sounds can be very upsetting, but they don’t usually seem to cause distress to the dying person.

The dying person’s face, hands, arms, feet and legs often become very cool to touch. Their skin might also become pale and look blotchy or mottled. This happens because there is less blood circulation to these parts of the body. Keep them warm with blankets but don’t use an electric blanket as this may become too uncomfortable. Thick socks can help to keep their feet warm. Don’t overheat the room as this can make it stuffy. Just keep it at a comfortable temperature.

You might hear your loved one say things that make no sense. They may not know what day it is or may not appear to know who you are. They may even say things that are totally out of character. For example, they may shout at you or physically push you away. This can be very hurtful and upsetting. But try to understand that they don’t mean it and are not aware that they are doing these things. It happens partly because of the chemical changes going on inside their body.

At the end of life, the chemical balance of the body becomes completely upset. The dying person then slips into unconsciousness. This is usually right towards the end, maybe only a few hours or days before death. Breathing becomes irregular and may become noisy. You won’t be able to wake them at all. Their breathing will stay irregular for some time and will stop at some point.

Emotional and spiritual changes

Everyone will feel different emotions when they are dying. A lot depends on

  • The type of person they are
  • Their age
  • How much support they have
  • Their religious and spiritual beliefs
  • The experiences they have had in life

Someone dying in their 20s is likely to feel very different to someone who is 80. If the person dying is leaving behind young children, they will have different worries from someone whose children are grown up and able to take care of themselves.

Before the final stages of death the dying person may talk about wanting to complete any unfinished business. This may mean

  • Sorting out any problems with personal relationships, or deciding not to
  • Visiting certain places
  • Buying gifts for people
  • Sorting out personal belongings and giving special things away to family and friends
  • Getting their will and financial business in order
  • Seeing a religious leader

As death gets closer they may begin to let go and seem more at peace with things. Others may become very anxious, fearful or angry. Some people may appear to withdraw even from the people they love and care about. But this doesn’t mean that they don’t care anymore. These events are all very normal and a natural part of dying.

Even if the physical body is ready to shut down, some people may resist death. They may still have issues they want to resolve or relationships they want to put right. It is important to understand these things. Let your loved one know you are there for them and will help them with any of these issues.

You are likely to feel some very strong emotions during the time your relative or friend is dying. You may feel that you want to try and change what is happening. Often all you can do is give them a lot of support and comfort during this difficult time. Allow them to share any memories or feelings they have. It is also important to reassure them that it is all right to let go and die whenever they are ready. Some people will hold on until they have heard these words from the people they love. So letting them go can be one of the most important and loving things you can do for them.

If you need some support when someone close to you is dying it may help to speak to

  • The doctor or nurses on the ward
  • A religious leader
  • A counsellor
  • Close friends and relatives

Try not to worry that you are going to do the wrong thing. Just being with your loved one and letting them know you love and care for them is the most important thing.

IMHS Metaphysics Institute – Premier Metaphysical University, Metaphysical Studies, Metaphysics PhD Degrees


I always knew I wanted my degree, but the traditional setup of college was a drag to me and every semester there was always an additional class that was required or an increase in tuition or both. I feel as if this program is designed for people like me who want to expand their thinking and be challenged without feeling dumb or getting into debt. I am extremely grateful for a degree program that allows me to simply think and to be myself. —Britney Bryant, USA

IMHS is Fresh, Innovative, and Contemporary: [ Read More ]

Metaphysics is about more than just the abstract; it is also about a successful life. The abstract will certainly stimulate your thinking and can lead to great spiritual development, but for spiritual development to be effective and meaningful, it must be activated by practical life-skills; powerful everyday tools that will enable you to have better relationships, better communication skills, better critical thinking skills, and more. IMHS gives you both the spiritual development and the practical life-skills you need for a balanced, successful life!

IMHS is Powerful and Cutting-Edge: [ Read More ]

The IMHS curriculum is based on the Life Leadership Paragon TM. an exclusive and elegant model for success that has changed countless lives for the better. It is only taught at our schools. For more than a decade, this model has been carefully crafted and developed into a powerful, cutting-edge system for personal growth and spiritual enlightenment. The Life Leadership Paragon TM also serves as the foundation for Life Leadership Coaching TM. a blend of life coaching and transpersonal spiritual counseling which is also only taught at our schools. Students specializing in Holistic Life Coaching or Spiritual Counseling will really appreciate this creative and highly effective approach to helping others!

IMHS Gives You the Training and Skills You Need: [ Read More ]

In addition to spiritual development and practical life-skills, IMHS actually gives students the skills they need to be successful in their chosen areas of specialization (major). Many of our students take additional courses in their areas of interest beyond the ones required for graduation because they have come to know that our courses are comprehensive and beneficial to their personal and professional development. IMHS graduates are well-equipped to go out and make a positive difference in the world!

IMHS is Objective and Grounded: [ Read More ]

Rather than obscure, fringy, and highly esoteric concepts, IMHS approaches metaphysics in an objective, grounded, and real-world manner while still keeping the door open to the great mysteries of consciousness and our Universe. As humanity evolves, many people are leaving the confines of old religious and social notions and seeking new paradigms that focus on the value and worth of the individual. This is why IMHS teaches a human-centered spiritual philosophy which does not surrender one’s power to anyone or anything else. It empowers, encourages, and builds people up. It refreshes the mind, spirit, and soul!

Genuine, Bona-Fide, and Legal Degrees: [ Read More ]

Our degrees are absolutely genuine, legal, and “real.” IMHS is not a diploma mill. Our degrees are non-secular (religiously-based) in nature and require effort on the student’s part. Non-secular degrees are neither better nor worse than traditional degrees; they are simply used for different purposes. Therefore, students can rest assured that the degree they earn is completely legal and “real,” and the title of “Doctor” can be used in front of their names. This applies to nearly every country in the free world–especially countries that protect religious freedom.

Metaphysics for the 21st Century: [ Read More ]

With the many demands of life in this day and age, most adults simply do not have the time to spend several years getting a degree. Nevertheless, many busy adults would like a degree to enhance their lives and careers. Therefore, we have simplified and streamlined our Metaphysics PhD program by offering Bachelor’s, Master’s, and Doctoral degrees in an accelerated format that takes less time to complete thus allowing students to begin using their degrees sooner. And the best part is that our degree program provides an excellent learning platform that is concentrated, comprehensive, and affordable. We think you’ll find this 21st Century approach to getting your Metaphysics PhD degree a refreshing change from the past century!

Whole Life Insurance Rates, cheapest life insurance policy.#Cheapest #life #insurance #policy


Whole Life Insurance

Whole life insurance is a great choice for people who want the security of a policy that never expires coupled with an investment vehicle suitable for reaching / managing financial goals.

What is Whole Life Insurance?

Unlike term life insurance, which expires after a set number of years, whole life insurance is a type of permanent life insurance that lasts as long as your payments are made, and it cannot be revoked because of the discovery of a medical condition. This is reason enough for most people to add whole life insurance to their short list of life insurance options, but the attractiveness of this product goes far beyond its irrevocable nature – whole life assurance comes with a host of other financial benefits as well. Whole life insurance features consistent premiums, also known as level premiums, which do not change over the life of the policy. Because the policy / premium cover death benefits and investments, the cash value of the policy actually grows over time, paying dividends to the owner of the policy. If term life is the base model of life insurance, whole life would be considered the luxury item, with whole life insurance benefits such as collateralized loans and other unique ways to tap into the policy’s value as some of the key differences over other life insurance products. With that luxury comes a price tag, and it is true that whole life insurance rates tend to be higher than that of a simpler life insurance product. Just because it can me more expensive doesn’t mean you should rule it out – our partners offer a whole life insurance rate quote to you for free, giving you the flexibility to price out your options before committing to a policy. Whole life rates can vary from provider to provider, so we strongly encourage you to use a service like ours to make whole life insurance comparisons easy and reliable.

Ready for a Whole Life Quote?

There are many things to consider before you get your whole life insurance quote, including which types of whole life insurance are available and which whole life insurance company is best-suited to provide you with your policy over the long-run. Don’t worry – we’re here to help. We’ve completed all the research for you, and we offer the best whole life insurance information for you to consider from the lists below. Simply select a topic to read about, or get your free whole life insurance quotes by using the form at the top of this page.

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Selecting a Whole Life Policy

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Top 10 Life Insurance Myths, million dollar life insurance rates.#Million #dollar #life


Top 10 Life Insurance Myths

Million dollar life insurance rates

Million dollar life insurance rates

Million dollar life insurance rates

Life insurance can be tricky to figure out with all its technicalities and rules. This article will briefly examine the top 10 misconceptions surrounding life insurance to make the road to coverage a little smoother.

Myth #1: I’m Single and Don’t Have Dependents, so I Don’t Need Coverage

Even single persons need at least enough life insurance to cover the costs of personal debts, medical and funeral bills. If you are uninsured, you may leave a legacy of unpaid expenses for your family or executor to deal with. Plus, this can be a good way for low-income singles to leave a legacy to a favorite charity or other cause.

Myth #2: My Life Insurance Coverage Needs Only Be Twice My Annual Salary

The amount of life insurance each person needs depends on each person’s specific situation. There are many factors to consider . In addition to medical and funeral bills, you may need to pay off debts such as your mortgage and provide for your family for several years. A cash flow analysis is usually necessary in order to determine the true amount of insurance that must be purchased – the days of computing life coverage based only on one’s income-earning ability are long gone.

Myth #3: My Term Life Insurance Coverage at Work is Sufficient

Maybe, maybe not. For a single person of modest means, employer-paid or provided term coverage may actually be enough. But if you have a spouse or other dependents, or know that you will need coverage upon your death to pay estate taxes, then additional coverage may be necessary if the term policy does not meet the needs of the policyholder.

Myth #4: The Cost of My Premiums Will Be Deductible

Afraid not, at least in most cases. The cost of personal life insurance is never deductible unless the policyholder is self-employed and the coverage is used as asset protection for the business owner. Then the premiums are deductible on the Schedule C of the Form 1040.

Myth #5: I Absolutely MUST Have Life Insurance at Any Cost

In many cases, this is probably true. However, people with sizable assets and no debt or dependents may be better off self-insuring. If you have medical and funeral costs covered, then life insurance coverage may be optional.

Myth #6: I Should ALWAYS Buy Term and Invest the Difference

Not necessarily. There are distinct differences between term and permanent life insurance, and the cost of term life coverage can become prohibitively high in later years. Therefore, those who know for certain that they must be covered at death should consider permanent coverage. The total premium outlay for a more expensive permanent policy may be less than the ongoing premiums that could last for years longer with a less expensive term policy.

There is also the risk of non-insurability to consider, which could be disastrous for those who may have estate tax issues and need life insurance to pay them. But this risk can be avoided with permanent coverage, which becomes paid up after a certain amount of premium has been paid and then remains in force until death.

Myth #7: Variable Universal Life Policies are Always Superior to Straight Universal Life Policies Over the Long Run

Many universal policies pay competitive interest rates, and variable universal life (VUL) policies contain several layers of fees relating to both the insurance and securities elements present in the policy. Therefore, if the variable subaccounts within the policy do not perform well, then the variable policyholder may well see a lower cash value than someone with a straight universal life policy.

Poor market performance can even generate substantial cash calls inside variable policies that require additional premiums to be paid in order to keep the policy in force.

Myth #8: Only Breadwinners Need Life Insurance Coverage

Nonsense. The cost of replacing the services formerly provided by a deceased homemaker can be higher than you think, and insuring against the loss of a homemaker may make more sense than one might think, especially when it comes to cleaning and daycare costs.

Myth #9: I Should Always Purchase the Return-of-Premium (ROP) Rider on Any Term Policy

There are usually different levels of ROP riders available for policies that offer this feature. Many financial planners will tell you that this rider is not cost-effective and should be avoided. Whether you include this rider will depend on your risk tolerance and other possible investment objectives.

A cash flow analysis will reveal whether you could come out ahead by investing the additional amount of the rider elsewhere versus including it in the policy. (Read more at Are Return-of-Premium Riders Worth It?)

Myth #10: I’m Better Off Investing My Money Than Buying Life Insurance of Any Kind

Hogwash. Until you reach the breakeven point of asset accumulation, you need life coverage of some sort (barring the exception discussed in Myth No.5.) Once you amass $1 million of liquid assets, you can consider whether to discontinue (or at least reduce) your million-dollar policy. But you take a big chance when you depend solely on your investments in the early years of your life, especially if you have dependents. If you die without coverage for them, there may be no other means of provision after the depletion of your current assets.

The Bottom Line

These are just some of the more prevalent misunderstandings concerning life insurance that the public faces today. Therefore, there are many life insurance questions you should ask yourself. The key concept to understand is that you shouldn’t leave life insurance out of your budget unless you have enough assets to cover expenses after you’re gone. For more information, consult your life insurance agent or financial advisor.

Strathcarron Hospice – Virtual Christmas Tree – Donate and Light Up A

#strathcarron hospice


Strathcarron Hospice – Light Up a Life – Virtual Christmas Tree

Simply write a Message Tag in memory of a loved one and it will be added to our virtual Christmas Tree, and a new twinkling star will appear in the sky. You can browse the Messages Tags below, with the most recent at the top. Just click on a name in the list below to read the Message Tag and their Star will twinkle more brightly. See below to donate and add your own message! (Requires Flash 8 or greater).

Special lights will be shining this Christmas at Strathcarron Hospice and also in Alloa, Cumbernauld, Stirling and Falkirk to honour and celebrate the lives of much loved relatives and friends. You can sponsor as many lights as you wish. For each light sponsored you will receive a special Light Up a Life Card which you can keep yourself or send to someone who shares your memories. The suggested donation is £5 per light, but all donations will be equally welcome. If you would like to sponsor a light in memory of loved one please see the main website or go along to our Light Up a Life Desk at The Thistle Centre Stirling, The Falkirk Mall, Tesco Cumbernauld or Alloa, or contact the Fundraising Department on 01324 826 222.

In the meantime Light Up A Life with our virtual Christmas Tree below.

To create a message simply donate any sum from £5 using the form below. On payment you will be able to enter your Message Tag in memory of a loved one. It will be added to the tree and a new twinkling star will appear in the sky. The name of your loved one will then show on the list enabling the world to share your message of love. It’s as easy as 1- 2- 3. Step 1: Donate using the form below. Step 2: Type in your Message. Step 3: Your loved one’s name appears on the list.

*If you are a UK taxpayer and you tick this box, we can claim an extra 25p in every pound you donate from the Government. Our donations are handled by Secure payments through Paypal. You don’t need a Paypal Account, just pay by credit or debit card. For more information call our fundraising department on 01324 826222.

Home – Davis Life – Annuity, life annuity.#Life #annuity


life annuity

Life annuity

Are you ready to experience high-level expertise to grow your life, annuities & LTC business?

Davis Life & Annuity is a full-service wholesale insurance brokerage that focuses on life, annuities and LTC. For over 30 years now our agents have experienced the benefits of working with our highly qualified team as well as our close proximity to many of the nation’s top carriers.

Our Experience Explains How We Can Provide Truly Expert Advice.

  • Two life marketers – over 50 years combined experience
  • Three annuity marketers – over 50 years combined experience
  • In-house underwriters – over 60 years combined experience
  • In-house actuary – over 30 years experience

Call us today at 800-747-5612 to see what we can do for you!

CLICK HERE to get contracted today!

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Term life quote online #term #life #quote #online



About this site and the WinQuote service

In a single sentence, the purpose of this site is to empower consumers.

This service is provided to enhance consumer awareness of the variety of life insurance products and offerings in the market-place. This site will be further expanded to include objective and impartial information about additional financial services and financial offerings in the marketplace. This is not a sales site. Therefore, unlike sales sites or sales lead solicitation sites, this site does not ask for your name or contact information and no identifying private or personal information is collected.

Please note that the owners and operators of this site do not sell insurance or any other financial products, and are independent of all insurance agencies, insurance marketing organizations, insurance sales-lead solicitation organizations, and insurance companies.

As our interest is to inform and educate, this site is the most objective and impartial public life insurance information and comparison on the Internet. The operators of this site do not generate revenue from the sale of insurance or the sale of sales leads or from listing charges to insurance agents, insurance agencies or insurance companies.

The insurance agents, brokers and advisors who are listed are included in the listings at no charge. Listing qualifications are based on the listed professionals having indicated their intent to provide top-notch service to consumers, having sufficient financial and insurance knowledge to use professional life insurance research tools, and having also equipped themselves with with the most advanced and comprehensive consumer interest oriented life insurance research tools and data service.

Please feel free to call us if you have any questions about the site or if you would like to share ideas or suggestions to further enhance and improve this free consumer information site to better empower consumers in navigating the maze of the life insurance marketplace.
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End of life care for adults #private #hospice

#end of life care


End of life care for adults

This NICE quality standard defines clinical best practice within this topic area. It provides specific, concise quality statements, measures and audience descriptors to provide the public, health and social care professionals, commissioners and service providers with definitions of high-quality care.

This quality standard covers all settings and services in which care is provided by health and social care staff to all adults approaching the end of life. This includes adults who die suddenly or after a very brief illness. The quality standard does not cover condition-specific management and care, clinical management of specific physical symptoms or emergency planning and mass casualty incidents.

This quality standard was previously called the quality standard for end of life care for adults.

31 October 2013: Following the independent review of the use of the Liverpool Care Pathway (LCP) for the Dying Patient and the subsequent announcement of the phasing out of the LCP, interim amendments have been made to this quality standard. These amendments, which relate to the removal of direct and indirect references to the LCP, reflect the gradual phasing out of the LCP and ensure that the quality standard remains current.

Supporting organisations

NIHSeniorHealth: End of Life – Preparing For The End of Life #hotel

#end of life care


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End of Life

Preparing For The End of Life

Few of us are comfortable talking about death, whether our own or a loved one’s. It is a scary, even taboo, subject for many. The end of a life, no matter how long and well lived, can bring with it a sense of loss and sadness. It can also be a reminder of our own mortality, so we may avoid even thinking about death.

This is normal — but death is normal, too. All of us will face it at some point.

Defining the End of Life

The end of life and how people die has changed a great deal in the past century. Thanks in large part to advances in public health, medicine, and health care, most Americans no longer die suddenly from injury or infection. Instead, we live longer and, more often than not, die after a period of chronic illness.

As a result, it is hard to know when the dying process begins. Some people pass quickly, while others recover from severe illness several times before death. Even people who are the same age and sex, with the same disease and state of health, are unlikely to reach the end of life at the same time.

We often rely on health care providers to tell us when the end of life is near. But even the most experienced health care provider may find it hard to predict when someone will die. An expert may say the end is within weeks or months, but the dying person slips away much sooner or survives for a year or more.

Preferences for the End of Life

Because the end of life is hard to predict, it is best to plan ahead. You might want to start by asking yourself or a loved one, “What is the best way to plan for the end of life?”

The answer will differ from person to person. Some people want to spend their final days at home, surrounded by family and friends. Others may prefer to be alone, or to be in a hospital receiving treatments for an illness until the very end.

The answer may also change over time — the person who wanted everything possible done to prolong life may decide to change focus to comfort. Someone else who originally declined treatment may agree to an experimental therapy that may benefit future patients with the same condition.

No matter how a person chooses to approach the end of their life, there are some common hopes — nearly everyone says they do not want to die in pain or to lose their dignity. Planning for end-of-life care, also known as advance care planning, can help ensure such hopes are fulfilled. To learn more about advance care planning, see Planning for Care.

What Is End-of-Life Care?

End-of-life care is the broad term used to describe the special support and attention given during the period leading up to death, when the goals of care focus on comfort and quality of life.

Hospice Care

One of the ways end-of-life care is provided is through hospice. Hospice, as defined by the Center for Medicare and Medicaid Services, is a program of care and support for a dying person whose doctor and a hospice medical director certify has less than six months to live.

The focus of hospice is on comfort, not cure. Currently, patients must be willing to give up curative treatments to receive Medicare coverage for hospice care. (Medicare continues to pay for any covered health problems that are unrelated to the dying person’s terminal illness.)

Palliative Care

Unlike hospice care, you do not have to be dying or give up curative treatments to receive palliative care. The term “palliative care” is sometimes mistakenly used to mean end-of-life care, but palliative care is a treatment available to anyone of any age who is suffering from the discomforts, symptoms, and stress of a serious illness.

Palliative care is used effectively to provide relief from many chronic conditions and their treatments, too. Older persons who are living with one or more chronic illnesses may benefit from palliative care long before they need end-of-life or hospice care. Unlike hospice care, palliative care may be used for as long as necessary.

To learn more about hospice care, palliative care, and other types of end-of-life care, see Types of Care.

Questions To Ask As the End of Life Approaches

Regardless of a person’s choices for treatment and care at the end of life, it is important to maintain the quality of a dying person’s life. To better understand the care options available for someone who is approaching death, you may wish to ask the dying person’s health care provider the following questions.

  1. Since the illness is worsening, what will happen next?
  2. Why are you suggesting this test or treatment?
  3. Will the treatment bring physical comfort?
  4. Will the treatment speed up or slow down the dying process?
  5. What can we expect to happen in the coming days or weeks?
  6. If I or my loved one take this treatment or participate in this clinical trial, will it benefit others in the future?

Additional Care Needs

People at the end of life usually need additional care in several areas, including for physical symptoms, emotional and spiritual issues, and practical concerns. Other sections of this health care topic address how to help make sure these needs are met.

Everett Car Insurance Agents #everett, #washington #insurance #agents, #everett, #washington #auto #insurance,


Car Insurance Agents in Everett, WA

Find a Nationwide Insurance Agent in Everett, Washington

Nationwide auto insurance

In a city like Everett, a few accidents are bound to happen no matter how much we try to prevent them. Looking for a way to celebrate each year of safe driving you rack up? Try out our Vanishing Deductible program. And know that when you do need to make a claim, your repairs are backed by Nationwide’s On Your Side Claims Service. In the meantime, if you have questions about your coverage, we encourage you to talk to one of our Everett auto insurance agents.

Nationwide homeowners insurance

Even with a housing stock that spans several different eras of residential construction, the truth is that local homeowners face many of the same concerns no matter what year their home was built. The desire to rebuild or replace a home in the aftermath of a worst case scenario, for example, is all but universal. Not to mention other property structures or belongings that may need to be replaced. One of our Everett home insurance agents can discuss the coverage options with you, including Nationwide’s Brand New Belongings and Better Roof Replacement programs.

Nationwide life insurance

Worried about what will happen to loved ones if something should happen to you? You can get a Nationwide policy for long term care costs that likely aren’t included in health insurance benefits. Or maybe in addition to caring for loved ones, you’re considering a life insurance policy with a guaranteed cash value as an important component of your retirement planning. Whether you’re trying to choose the right type of policy or a payout amount that makes sense for your household, don’t hesitate to talk to one of our Everett life insurance agents.

Nationwide business insurance

Unique consumer and professional businesses populate any decent sized city. And of course, Everett is no exception. Each and every business needs some type of business insurance protection. Maybe it’s strong liability coverage. Maybe it’s vehicle insurance or other commercial property coverage. Maybe it’s medical payments coverage. For all your Everett business insurance needs, don’t hesitate to contact one of our agents.

Local Insurance Quotes and Personalized Coverage

Use Nationwide’s online tool to get estimates for any number of personalized coverage solutions. It only takes a few moments to enter the information and start generating results.

Coffee enemas: A key to detoxification and whole-body wellness, whole life wellness.#Whole


Coffee enemas: A key to detoxification and whole-body wellness

Tuesday, May 26, 2015 by: Ethan Huff

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Coffee enemas stimulate release of toxic buildup in liver and gallbladder

Instructions for performing a safe and effective coffee enema

One quart of organic coffee (Biodynamic Wellness recommends therapeutic low roasted coffee available from GAPSInfo.com)

Olive oil or organic coconut oil (another great option is jojoba oil)

Dr. Bronner’s liquid soap (available online or at natural food grocers)

Selectrolytes (available through GAPSInfo.com)

Additional tips for a successful coffee enema

107 N. Acacia Avenue Solana Beach, CA 92075

Ethan Huff is a freelance writer and health enthusiast who loves exploring the vast world of natural foods and health, digging deep to get to the truth. He runs an online health publication of his own at http://wholesomeherald.blogspot.com.

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Whole life wellnessA coordinated censorship attack is being waged against the entire independent media by Google, YouTube and Facebook. After we were banned by Google for nearly a week, now Facebook is deliberately blocking the sharing of our stories to further censor our important reporting for human freedom and medical choice. Soon, the only way we will be able to reach you is via email, and Google is sometimes blocking our email delivery to gmail users.

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What are palliative care and end of life care? #motel #santa #barbara

#palliative care


What are palliative care and end of life care?

What is palliative care?

If you’ve been told you may not get better, you might also have heard about palliative care. Palliative care is for people living with a terminal illness where a cure is no longer possible. It’s also for people who have a complex illness and need their symptoms controlled. Although these people usually have an advanced, progressive condition, this isn’t always the case.

Palliative care aims to treat or manage pain and other physical symptoms. It will also help with any psychological, social or spiritual needs. Palliative care includes caring for people who are nearing the end of life. This is called end of life care.

The goal of palliative care is to help you and everyone affected by your illness to achieve the best quality of life. You might receive palliative care alongside particular treatments, such as chemotherapy or radiotherapy.

  • improves quality of life
  • provides relief from pain and other distressing symptoms
  • supports life and regards dying as a normal process
  • doesn’t quicken or postpone death
  • combines psychological and spiritual aspects of care
  • offers a support system to help people live as actively as possible until death
  • offers a support system to help the family cope during a person’s illness and in bereavement
  • uses a team approach to address the needs of the person who is ill and their families
  • also applies to the earlier stages of illness, alongside other therapies that are aimed at prolonging life

More information on how we can help you or a loved one living with a terminal illness .

What is end of life care?

End of life care is an important part of palliative care for people who are nearing the end of life. End of life care is for people who are considered to be in the last year of life, but this timeframe can be difficult to predict.

End of life care aims to help people live as well as possible and to die with dignity. It also refers to care during this time and can include additional support, such as help with legal matters. End of life care continues for as long as you need it.

Who provides palliative care?

The professionals who provide palliative care fall into two main groups:

1. General care

Those who provide day-to-day care to people with advanced illness and their family and friends, such as your GP, community nurses or Marie Curie Nurses.

2. Specialist care

Experts in palliative care, such as consultants in palliative medicine or clinical nurse specialists.

You’re likely to need both general and specialist care as your needs change. Palliative care can be provided in different places including in your home, in hospital, at a care home or a hospice .

General care

Providing general palliative care is part of many health and social care professionals’ jobs. You might see these people regularly as part of your care:

  • your GP
  • community nurses
  • social workers
  • care workers
  • spiritual care professionals

These professionals should be able to assess your care needs, and those of your family and friends. They should meet those needs where possible and know when to seek specialist advice. The aim of general palliative care is to provide:

  • information for you and your family or friends, and signposting to other services
  • accurate and all-round assessment of your needs
  • coordination of care teams in and out of hours
  • basic levels of symptom control
  • psychological, social, spiritual and practical support
  • good communication with you, your family or friends and the professionals supporting you

Specialist care

Specialist palliative care services manage more complex patient care problems that cannot be dealt with by generalist services. Palliative care specialists usually work in teams to provide joined-up care and you might see one or more specialists when you’re referred. Specialist teams include:

  • doctors and nurses
  • counsellors
  • specialist allied health professionals, such as physiotherapists, occupational therapists, dieticians and social workers

Specialist palliative care services may be provided by the NHS (local health and social care trust in Northern Ireland), local councils and voluntary organisations. These could include inpatient and outpatient facilities and bereavement support services.

Common myths about palliative care

Palliative care is often misunderstood and some people believe things about it that aren’t true.

MYTH: If I need palliative care it means I’ll have to go to a hospice
You can receive palliative care in a range of settings including in your home, in hospital, in a care home or a hospice.

MYTH: If I have palliative care it means my doctors have given up and I’ll no longer receive active treatment for my illness
You can receive palliative care alongside active treatments for your illness, such as chemotherapy and radiotherapy.

MYTH: If I have palliative care I’ll no longer be seen by other specialists who know about my particular illness
You can receive palliative care support alongside care from the specialists who have been treating your particular illness.

MYTH: Palliative care is just about treating pain and other physical symptoms
Palliative care aims to provide a holistic approach to give you the best quality of life possible. This means caring for all your physical, emotional, psychological, social and other needs.

MYTH: Only people who are ill can benefit from palliative care
Palliative care teams are very aware that caring for someone with an advanced illness can have a big impact on family members and friends. Palliative care teams do what they can to help people cope.

I want for nothing at this hospice. The staff give me all the medication I need and plenty of emotional support. They shower me because I get too breathless to do it myself. And they re always throwing tea and biscuits at me not literally, mind! Sylvia, person with a terminal illness

External websites

Carers UK – support and resources for carers

NHS Inform – palliative care zone

NHS Scotland – palliative care guidelines

Line, Define Line at, the life line.#The #life #line


line 1

Based on the Random House Dictionary, © Random House, Inc. 2017.

Last week I turned 40, a bittersweet occasion because I crossed the line to living longer without my mother than with her.

Is it any wonder that the interests of large corporations and unions get to the front of the line?

In the end, the line between magic and religion may be something of an artificial one.

Yet all too often the line between Southern and Confederate can get blurred.

These people put their lives on the line for the rest of us, too.

How restful this quiet and reserve after the colour and line tumult of the Higbee apartment.

Garmer tried to steer me off this line of stocks the other night.

All else is but the setting, and the eye sweeps with indifference the line of unpeopled rocks.

We did not get on it till we had travelled along the line about fifteen miles.

His voice was thin, but it kept that line of hands high above their heads.

line 1

  1. the edge or contour of a shape, as in sculpture or architecture, or a mark on a painting, drawing, etc, defining or suggesting this
  2. the sum or type of such contours or marks, characteristic of a style or design: the line of a draughtsman, the line of a building
  1. a conducting wire, cable, or circuit for making connections between pieces of electrical apparatus, such as a cable for electric-power transmission, telecommunications, etc
  2. ( as modifier ): the line voltage
  1. the equator (esp in the phrase crossing the line )
  2. any circle or arc on the terrestrial or celestial sphere

liny, liney, adjective

line 2

© William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins

Publishers 1998, 2000, 2003, 2005, 2006, 2007, 2009, 2012

a Middle English merger of Old English line “cable, rope; series, row, row of letters; rule, direction,” and Old French ligne “guideline, cord, string; lineage, descent;” both from Latin linea “linen thread, string, line,” from phrase linea restis “linen cord,” from fem. of lineus (adj.) “of linen,” from linum “linen” (see linen).

“to cover the inner side of,” late 14c., from Old English lin “linen cloth” (see linen). Linen was frequently used in the Middle Ages as a second layer of material on the inner side of a garment. Related: Lined; lining.

late 14c., “to tie with a cord,” from line (n.). Meaning “to mark or mark off with lines” is from mid-15c. Sense of “to arrange in a line” is from 1640s; that of “to join a line” is by 1773. To line up “form a line” is attested by 1889, in U.S. football.

The path traced by a moving point.

A thin continuous mark, as that made by a pen, pencil, or brush applied to a surface.

A crease in the skin, especially on the face; a wrinkle.

In anatomy, a long narrow mark, strip, or streak distinguished from adjacent tissue by color, texture, or elevation.

A real or imaginary mark positioned in relation to fixed points of reference.

A border, boundary, or demarcation.

A contour or an outline.

A mark used to define a shape or represent a contour.

Any of the marks that make up the formal design of a picture.

A cable, rope, string, cord or wire.

A general method, manner, or course of procedure.

A manner or course of procedure determined by a specified factor.

An official or prescribed policy.

Ancestry or lineage.

A series of persons, especially from one family, who succeed each other.

Copyright © 2002, 2001, 1995 by Houghton Mifflin Company. Published by Houghton Mifflin Company.

A geometric figure formed by a point moving in a fixed direction and in the reverse direction. The intersection of two planes is a line. ◇ The part of a line that lies between two points on the line is called a line segment.

Copyright © 2002. Published by Houghton Mifflin. All rights reserved.

line definition

A set of points that have one dimension — length — but no width or height. (See coordinates.)

Copyright © 2005 by Houghton Mifflin Company.

Published by Houghton Mifflin Company. All rights reserved.

  1. One’s way of talking, esp when being persuasive or self-aggrandizing; spiel: of what in a later generation would have been termed her ”line”/ You’ve got some line(1903+)
  2. One’s occupation, business, etc; racket: What’s my line? Herring in brine(1655+)
  3. A musical solo or figure, esp personal and innovative: Coasters talk of ”lines,” not licks, breaks, or riffs(1930s+ Jazz musicians)
  4. A bookmaker’s odds on a sports event: Baseball, basketball, and hockey lines are available on the day or night of the games(1970s+ Gambling)
  5. A dose of cocaine, usually formed into a thin line to be nasally ingested (1980+ Narcotics)
  1. To hit the ball in a line drive (1892+ Baseball)
  2. Take cocaine: They lined twice last night, no wonder they’re tired

Copyright (C) 2007 by HarperCollins Publishers.

Life Insurance Call Center Tampa #life #insurance #call #center


Life Insurance Call Center for Tampa, Clearwater, Lakeland, St Petersburg, and All Other Cities in the United States from Answer Excellence

Is your life insurance company in need of a call center? If the answer is yes, then you’ve come to the right place. At Answer Excellence, we have customized mission-critical communication solutions for life insurance companies across the nation for more than 25 years. We have a team of highly-trained operators who are thoroughly educated in every nuance of our customers’ business, and we’ll do the same for your life insurance company. From accurately directing new callers to the appropriate resources to providing current policy holders with the answers they need when time is of the utmost important, Answer Excellence will truly be a benefit to your business and enhance your relationship with your customers.


Our dedication to excellence in everything we undertake is best demonstrated by our extensive investments in internal auditing programs. One way that we ensure our operators are living up to the standards that our name demands is by recording all of our calls, randomly reviewing a few each week, and setting up feedback sessions with our team members.

During our reviews, here are some of the things we check for:

  • Do they say please and thank you?
  • Do the operators sound engaged?
  • Do they confirm first and last name as well as phone number?
  • Do they follow the specific guidelines laid out by the client?

So, when you’re searching for a call center that can handle the complexity of calls that come into your life insurance company, while maintaining a superior level of courtesy and care, look no further then Answer Excellence.

For additional information about our life insurance call center, please call or e-mail Answer Excellence today. We happily serve businesses in Tampa, St Petersburg, Orlando, Lakeland, and all other major metropolitan areas in the country.

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Special thanks from our customers

“I feel like we’ve really made the right decision by working with you. You’re just the kind of support we need. “
– Ginnie B. Political Campaign Assistant

“The operators are very professional and they get the correct information on the message. We did not realize how many calls we had been missing.”
– Sarah F. Investment Manager

“You guys are doing a great job. You’re very professional and take exceptional messages that are accurate.”
– Ann D. Posh Pools of Florida

Find return rate on whole life insurance #term #life #insurance #rate #comparison


Find rate of return on whole life insurance

When it comes to sorting the good whole life insurance policies from the bad, consumers focus on one number alone how much money their policy will generate.

To project how much money your policy will yield 10, 20 or even 30 years from now, insurance companies calculate the policy s expected yearly growth. Better known as the internal rate of return, your IRR will dramatically change the longer you own the policy and will be a crucial factor for deciding whether it s smarter to hold on to your policy or shop around for a new one.

Unfortunately, figuring out how much money your whole life policy is yielding now and what it will yield in the future is far more difficult than simply reading your policy s fine print. Here are some tips for determining how much cash your cash value policy is really providing.

Don t do it alone

Figuring out the rate of return on your whole life policy is almost impossible for consumers to do without help from the pros, says Tony Steuer, a life insurance analyst in Alameda, Calif. and author of Questions and Answers on Life Insurance.

There are tons of moving parts to a lot of life insurance contracts … (and) insurance companies usually don t disclose certain information to their customers, like if they ve had a change in mortality rates, he says.

Steuer adds that the method for calculating the rate of return on whole life insurance policies varies from company to company. While all companies factor in certain variables including how long you ve owned the policy, dividends (if applicable) and mortality charges, how much each factor counts for varies significantly between insurance providers and policies.

Approach projections with caution

While whole life providers frequently won t disclose how your rate of return is calculated, they will offer illustrations of how your policy is projected to perform in the future. All illustrations should include information on the costs of the policy, how much you ve paid, your current death benefit and the cash surrender value you would get for canceling the policy today. It should also include future predictions on how your policy should perform five, 10 and 20 years down the road. The bad news is that insurance illustrations are lengthy, frequently riddled with tough-to-understand industry jargon and could include predictions so outrageously optimistic, there s no way your policy will actually reach them.

(Insurance illustrations) include a guaranteed column, says Kelly O Connor, managing agent with Mountain Financial, LLC, a wealth management group in Greenwood Village, Colo. This explains what the policy is guaranteed to look like over a certain time frame. (Consumers) can trust that guaranteed piece of the illustration.

In certain whole life contracts, O Connor says that consumers can get an idea of how close other projections are by examining the company s dividend payout history.

All mutual insurance companies publish their dividend history, so if you look back and see that they ve never been under 5.5 or 5.25 (percent dividends) for the last 100 years, there s a pretty good chance that that will continue, he says.

Look ahead

Cash value life insurance policies are designed to be long-term investments, not short-term ways to make a quick buck, says Glenn Daily, a Certified Financial Planner and fee-only insurance consultant based in New York City. To understand the rate of return for your policy, check out how the policy is projected to perform over the next few decades.

If you re thinking of buying a new policy, You need to see the average annual and year-by-year rate of return for at least the first 20 years, says Daily. Those who already own policies should focus on the average annual and year-by-year rates of return for the next five to 10 years. By examining how their whole life policy is performing on a yearly basis, consumers get a firm idea of what kind of performance they can expect in the near future.

Consumers should know that the year-by-year rate of return will substantially differ from the rate of return generated over several years, says James H. Hunt, a life insurance actuary for the Consumer Federation of America and former insurance commissioner of Vermont.

It may take as long as 10 years for the average annual rate of return on a cash value life insurance policy to turn positive, mainly due to heavy first year commissions and related sales expenses, he says.

When comparing policies or deciding if it s worthwhile to stick with the one you have, Hunt recommends hiring a third-party insurance analyst to evaluate whether a whole life policy makes sense in the long haul.

It s impossible to know what you re getting into without hiring an expert, he says.

AIA Group Limited – Pan-Asian Life Insurance Company, international life insurance company.#International


2017 Interim Results

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Longer, Healthier, Better Lives

Environmental, Social, Governance

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The Real Life Company

We are genuinely engaged in people’s lives, providing the right financial solutions for them and their families in a constantly changing world. Together, we make The Real Life Company.


a century of history

in the region
Almost a century of history in the region

100% Focused on Asia-Pacific

AIA was founded in Asia, is headquartered in Asia and present in 18 markets across the Asia-Pacific region.

100% Focused on Asia-Pacific
We can help you plan and take the steps needed to


providing you with peace of mind in a fast-paced and constantly changing world.

AIA Group’s size and strength

AIA Group’s Size and Strength


Our focus is on providing our customers with the right solutions to meet their individual needs, and in doing so help them solve whatever life challenges may arise. Please find below some examples.

International life insurance company

Providing Peace of Mind

“We want peace of mind to grow our family”

Eric and May started a new chapter in their life with the arrival of their son, Adrian, two years ago. Like so many other Hong Kong couples, they work extremely hard to provide for their family while also trying to fulfil their life goals.

International life insurance company

Take charge of your own health

“I take charge of my life and my own health”

Sing Mei enjoys spending time with her friends, seeing the world and advancing her career. She is starting to think more about her future and how she can keep enjoying everything she loves.

International life insurance company

Financially secure in good times and bad times

“I want to be sure we are prepared for the unexpected.”

Mr. and Mrs. Li are proud of their family, adore their grandchild and are comfortable with the thought of retiring after what they hope will be another 10 years of success in their work. However, Mr. and Mrs. Li wonder whether they have done all they can to protect themselves and their loved ones.

AIA recognises everyone has different needs at different stages of life. AIA is committed to helping you meet your financial needs and goals with a wide range of life and health protection and long-term savings products.

Putting a plan in place to achieve your financial goals requires both objective and expert advice. AIA’s professional and dedicated team offers high-quality advice and support that provides customers with the savings and insurance cover they need to meet the challenges and opportunities that life presents.

Life Insurance

Protect your loved ones’ future from life’s uncertainties

The Blackford Centre: About us #study #courses #online, #home #study #certification #correspondence


Distance Learning Courses

Our online courses can give you a new career

At the Blackford Centre you can study for a new career – in fields that are exciting and in demand.

What’s more, our courses let you study where and when you want.

There are no exams: we use positive assessment instead.

And you don’t ever have to show up and be ‘stuck’ in a musty classroom to attend evening classes.

Since it’s distance education, everything is at your convenience.

Plus, you get a valuable qualification that reflects your new knowledge.

Courses like this one can give you a whole new career and way of life. We’ll give you the confidence to start the new career you’ve been dreaming of.

And we specialize in courses that let you start your own business.

To find out more, click the subject on the left that captures your interest.

Learn from the experts

Each of our separate divisions has its own specialized, expert tutors.

And we only employ tutors who are actively working in their field and who want to spread their knowledge.

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Tell your friends

That way, you don’t get armchair experts or professional academics who lack experience of the real world.

Plus, we’re more practical than many organizations. So you’ll find our courses contain more detailed information and instructions about how to run your own business.

Study online

When you study one of our courses you’ll access all of the materials online. So you won’t have to wait for the course to arrive.

Once, you’ve enrolled we’ll provide you with login details and the name of your tutor. And as soon as you have these details you can log straight into the system and get started on the course.

Your tutor

As we’ve said, you’ll have your own personal tutor. Research shows you’re more likely to succeed in this interactive, customized way, compared with mere self-study or book learning.

Our courses are fun

Some organizations make their courses stuffy and tedious. We hate that. Our materials are written in a light-hearted way, so you’ll absorb the serious information while enjoying yourself.

That means you’re more likely to complete your course, and get the qualification.

We’re recognized

As you’ll see from the logos on the top right of this page, we’re accredited by many independent certification organizations. That means your qualification has real worth in the eyes of other people.

Payment is simple

You can pay online using our secure SSL server. In fact, we never see your credit card details, because they get passed straight to the bank without us even glancing at them.

But we know it’s quite a big website (we have lots to talk about). So If you can’t find the online payment page, let us know and we’ll tell you how to locate it.

Take the next step

Want to learn more? Simply click on the topics at the top of the page.

And if you have any questions, please get in touch.

Generate Life Insurance Leads Using These Four Life Insurance Prospecting Ideas, exclusive


Life Insurance Leads

The Life Insurance Agents Life Support System.

Insurance agents, this is your help website.

Each topic page on our website is a mini training experience.

Click on your topic of interest using the nav bar on left side of page

Four Methods To Generate Life Insurance Leads.

Life insurance leads are usually generated by a variation of these 4 methods depending on who you talk to. We will provide a general discussion of each area.

If you want to review more detailed information on any of these methods discussed below, just click on the highlighted links on this page.

So what is the real story on how to get insurance leads !

Based on my years in the business, it is not uncommon that the agents first 100 prospects will probably consist of people they know. And then when they are gone, oops, what do we do? Well like most of us that started in this business we go through the following progression, which we call the prospecting ladder.

Generating life insurance leads requires a system. It needs to be adhered to, day in and day out. It must become a habit. You must understand that this is how you replenish your inventory. When you run out of Inventory, you are out of work.

Additionally, I have included some other concepts and prospecting ideas (methods 2,3 and 4 below ) that i learned and are not usually taught in home office schools.

Prospect or Die E-Book – Just published Developed for insurance agents in need of prospecting ideas, techniques and concepts. Get yours now

Name generation or cold calls as I refer to them. They require the most work. But they are names and people to call and they will create activity.

These type of names are generated through, newspapers, credit bureau green sheets, chamber lists, club lists, new married, new babies born, buying lists of names and so on.

These type of insurance sales leads usually consist of lists of people and are usually unqualified names. All you really have is a persons name, address and maybe couple other pieces of information.

Here is a more indepth discussions on prospecting.

METHOD NUMBER 2: These techniques provide a more qualified prospect.

Setting up your own board of directors, (What is a board of directors?) and using lunch appointments to sit down with these key people from time to time is a good method. This is a low profile method to keep generating life insurance leads by using key people.

Orphan policy holders. (Existing clients that no longer have an agent because the agent quit, moved away or whatever) your company manager can provide you with orphans. Just ask your agency manager.

Just Meeting people in social events. Never get into discussion about your product. Set up teaser question and get persons name. “Mr. jones, Has anyone ever helped you set up a formula for saving money and determining your financial goals in life? I would like to give you a call and share some ideas with you sometime, if that is okay. Is it best to contact you during the day or is the evening better.” (remember,always give a choice.)

METHOD NUMBER 3: And my most fun favorite was asking the people that said no when I was phone calling them for an interview: this was fun for me because I wanted to see how good I was and it was always a challenge.

Here is how it worked—

Before you hang up you should say something like this: Mr. Prospect, thanks for visiting with me, even though you are not interested in getting together with me at this time.

Who do you know that may have just bought a new house, just had a baby, just got a job promotion? Wait for response. (Believe it or not most people will be glad to help give you life insurance leads, you just need to ask)

METHOD NUMBER 4: Referrals:

But the best way to generate free life insurance leads is the Referred lead System. Learning the referred lead concept will make your life easier in the long run and help you accelerate to the top of the prospecting ladder. This method is the most efficient. Not only will your income increase, but the size of your case and your persistencey will go up. There are two methods I used when I was selling: The referred lead card system and the appreciation dinner concept. So if your new just starting out in the business or a struggling agent, and if you want to make prospecting and selling life insurance less stressful, while making your professional life easier, take the time to learn the referred lead card system. Practice it till you get it right so that it is working for you.

I hope this Life insurance leads and associated articles will help you with your prospecting skills.

Before you leave, I want to personally invite you to sign up for our free Brainstorming newsletter. learn how this brainstorming newsletter can help you.

Glossary Of Life Insurance Terms #life #insurance #definitions #and #terms


Life Insurance Resource Center

Glossary Of Life Insurance Terms

Agent – An insurance company representative licensed by the state who solicits and negotiates contracts of insurance, and provides service to the policyholder for the insurer. An agent can be independent agent who represents at least two insurance companies or a direct writer who represents and sells policies for one company only.

Annuity – A contract that provides a periodic income at regular intervals, usually for life.

Annuity Certain – A contract that provides an income for a specified number of years, regardless of life or death.

Application – A statement of information made by a person applying for life insurance. It helps the life insurance company assess the acceptability of risk. Statement made in the application are used to decide on an applicant’s underwriting classification and premium rates.

Beneficiary – The person named in the policy to receive the insurance proceeds at the death of the insured. Anyone can be named as a beneficiary.

Bonus Rate Annuity – An extra percent of interest credited to an annuity during the first year that it is in force. The extra amount is above the interest rate to be credited beginning the second year and the remaining years that the annuity is in force. The extra rate is paid in the first year in an effort to attract new policyholders.

Cash Surrender Value – The amount available in cash upon voluntary termination of a policy by its owner before it becomes payable by death or maturity. The amount is the cash value stated in the policy minus a surrender charge and any outstanding loans and any interest thereon.

Direct Response – Insurance sold directly to the insured by an insurance company through its own employees by mail or over the counter.

Disclosure Statement – A comparison form required by New York Department of Financial Services Regulations to be given to every applicant considering replacing one life insurance policy with another.

Dividend – A return of part of the premium on participating insurance to reflect the difference between the premium charged and the combination of actual mortality, expense and investment experience. Dividends are not considered to be taxable distributions because they are interpreted as a refund of a portion of the premium paid.

Evidence of Insurability – A statement or proof of your health, finances or job, which helps the insurer decide if you are an acceptable risk for life insurance.

Expense – Your policy’s share of the company’s operating costs-fees for medical examinations and inspection reports, underwriting, printing costs, commissions, advertising, agency expenses, premium taxes, salaries, rent, etc. Such costs are important in determining dividends and premium rates.

Face Amount – The amount stated on the face of the policy that will be paid in case of death or at the maturity of the policy. It does not include additional amounts payable under accidental death or other special provisions, or acquired through the application of policy dividends.

Free Look Provision – A certain amount of time provided (usually between 10-30 days) to an insured in order to examine the insurance policy and if not satisfied, to return it to the company for a full refund.

Insurable Interest – For persons related by blood, a substantial interest established through love and affection, and for all other persons, a lawful and substantial economic interest in having the life of the insured continue. An insurable interest is required when purchasing life insurance on another person.

Lapse Rate – The rate at which life insurance policies terminate because of failure to pay the premiums. When policies are lapsed before enough premium payments are made to cover early policy expenses, the company must make up this loss from remaining policyholders. Therefore, the lapse rate will affect the cost of the policy.

Life Expectancy – The probability of an individual living to a certain age according to a particular mortality table. This is the beginning point in calculating the pure cost of life insurance and annuities and is reflected in the basic premium.

Misstatement of Age – The falsification of the applicant’s birth date on the application for insurance. When discovered, the coverage will be adjusted to reflect the correct age according to the premium paid in.

Mortality – The incidence of death at each attained age; frequency of death.

Non-Forfeiture – One of the choices available if the policy owner discontinues premium payments on a policy with a cash value. Options available are to take the cash value in cash or to use it to purchase extended term insurance or reduced paid-up insurance.

Non-Participating – A life insurance policy in which the company does not distribute to policyowners any part of its surplus.

Participating Policy – A life insurance policy under which the company agrees to distribute to policyowners the part of its surplus that its Board of Directors determines is not needed at the end of the business year. The distribution serves to reduce the premium the policyowners had paid.

Policy – The printed legal document stating the terms of insurance contract that is issued to the policyowner by the company.

Policy Proceeds – The amount actually paid on a life insurance policy at death or when the policyowner receives payment at surrender or maturity.

Policyowner – The person who owns a life insurance policy. This is usually the insured person, but it may also be a relative of the insured, a partnership or a corporation.

Premium – The payment, or one of the periodic payments, a policyowner agrees to make for an insurance policy. Depending on the terms of the policy, the premium may be paid in one payment or a series of regular payments, e.g. annually, semi-annually, quarterly or monthly. The premium charged reflects the expectation of loss, expenses and profit contingencies.

Rating – The basis for an additional charge to the standard premium because the person insured is classified as a greater than normal risk usually resulting from impaired health or a hazardous occupation.

Reduced Paid-up Insurance – A form of insurance available as a non-forfeiture option. It provides for continuation of the original insurance plan, but for a reduced amount, without further premiums.

Reinstatement – Restoring a lapsed policy to its original premium paying status, upon payment by the policy owner, with interest, of all unpaid premiums and policy loans, and presentation of satisfactory evidence of insurability by the insured.

Rider – An endorsement to an insurance policy that modifies clauses and provisions of the policy, including or excluding coverage.

Risk Classification – The process by which a company decides how its premium rates for life insurance should differ according to the risk characteristics of individuals insured (e.g. age, occupation, sex, state of health) and then applies the resulting rules to individual applications.

Settlement Options – The several ways, other than immediate payment in cash, in which a policyholder or beneficiary may choose to have policy benefits paid. These options typically include the following:

  • Interest Option – death benefit left on deposit at interest with the insurance company with earnings paid to the beneficiary annually.
  • Fixed Amount Option – death benefit paid in a series of fixed amount installments until the proceeds and interest earned terminate.
  • Fixed Period Option – death benefit left on deposit with the insurance company with the death benefit plus interest paid out in equal payments for the period of time selected.
  • Life Income Option – death benefit plus interest paid through a life annuity. Income continues under a straight life income option for as long as the beneficiary lives or whether or not the beneficiary lives, under a life income with period certain option.

Standard Risk – The classification of a person applying for a life insurance policy who fits the physical, occupational and other standards on which the normal premium rates are based.

Substandard Risk – The classification of a person applying for a life insurance policy who does not meet the requirements set for the standard risk. An additional premium is charged on substandard risks to provide for the probability that such a person will have a shorter life span than a standard risk.

Supplementary Contract – An agreement between a life insurance company and a policyowner or beneficiary in which the company retains at least part of the cash sum payable under an insurance policy and makes payment in accordance with the settlement option chosen.

Underwriter – The person who reviews the application for insurance and decides if the applicant is acceptable and at what premium rate.

Underwriting – The process by which a life insurance company determines whether it can accept an application for life insurance, and if so, on what basis so that the proper premium is charged.

MoneySuperMarket s Guide To Lifetime Pet Insurance #lifetime #life #insurance


Lifetime pet insurance guide

You can’t rush your pet to the local hospital and receive free treatment on the NHS, which is why most people take out pet insurance.

A decent pet insurance policy typically covers the medial expenses if your pet is ill or injured. You can also usually add on a range of other benefits such as third party liability (if your pet causes an accident or injures someone or damages their property), depending on your needs and budget.

Types of cover

Pet insurance plans can be divided into two broad categories: lifetime and non lifetime policies. And it’s important to understand the difference or you could end up with a poorly pooch and a big vet’s bill.

Lifetime pet insurance is usually the most expensive because it offers the most comprehensive protection. A lifetime policy is essentially designed to pay for any chronic or recurring condition during the pet’s lifetime. This is attractive because, with non lifetime policies, animals might be refused cover once they reach a certain age, or because of pre-existing medical conditions.

So lifetime cover sounds straightforward, but it can be confusing. For a start, lifetime pet insurance does not offer unlimited cover, so you need to read the small print carefully to see how much your policy will pay out in certain situations.

You also have to renew the cover every year. It is still a 12-month contract, which means the insurer could technically turn you down – although this would be an unusual step.

Lifetime pet insurance is usually the most expensive because it offers the most comprehensive protection.

Variations on a theme

There are two types of lifetime cover. Some policies set an annual limit per condition, say £7,000. So, if your dog developed arthritis, the maximum you could claim for medical treatment for the disease in any one year would be £7,000.

In other words, if the vet’s bills one year came to £6,500 you would be covered by the policy. But if the bill for the year came in at £8,000, you would have to pay £1,000 out of your own pocket.

At the end of the year, assuming you renewed the cover, the dog would continue to be insured for arthritis, with the limit on what you could claim being reset to £7,000. So if the animal was still receiving treatment, you could therefore put in another claim for up to £7,000 – and so on, year after year.

This is another distinct advantage of the lifetime policy – treatment can continue across policy ‘years’ – it doesn’t have to stop as it would at the end of a single, 12-month policy.

Remember that the limit applies to each condition. If your pet was unfortunate enough to contract both arthritis and diabetes in the same year, you could claim up to £7,000 (in this example) for the treatment of each illness.

Condition limit

The second type of lifetime policy sets an overall or lifetime limit for each condition.

If the lifetime limit is, for example, £50,000, you would be able to claim up to £50,000 for each condition until the pet died or you chose not to renew the policy.

Let’s go back to our arthritic dog. If we assume the animal were treated for arthritis for 10 years and the total cost came to £45,000, the policy would pay out. But if the bill totaled £53,000, the owner would have to stump up £3,000.


So, the advantages of a lifetime policy are the continual cover for a particular condition and the high limits. A more basic pet plan, such as a time-limited policy, would only cover the animal for a particular condition for a set period of time, normally 12 months. The condition would then be excluded. The maximum payout would also normally be lower.

If you are concerned about the high medical cost of a chronic illness, then lifetime pet insurance could be a sensible choice, particularly if you have a pedigree pet. But as with all pet insurance policies, there are exclusions to lifetime plans. There might, for example, be age limits. Some policies also exclude hereditary conditions.

Also, and as you might expect, the premiums for lifetime pet cover can be high relative to 12-month policies. But you might decide this price is well worth paying because of the additional policy features.

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Whole Of Life Insurance #whole #life #insurance, #whole #of #life #insurance


Whole Of Life Insurance

What Is Term Life Insurance? Term Life Insurance is a cheap form of life insurance that covers you and those ‘assured’ in the event of death or a critical illness. You pay a regular monthly premium for a set period (or term) at the end of which the policy expires. Typically the period of cover would be about 20 to 30 years and could be taken to cover a mortgage or loan, or to protect your family. Term Life Assurance can be taken out on single or joint lives and you do not have to be the main breadwinner to require cover.

Level Term Insurance: Level Term Insurance is where the ‘sum assured’ remains the same throughout the term of the policy. This type of policy is more suitable if you have an Interest Only Mortgage or for Family Protection .

Decreasing Term Insurance: The sum assured decreases throughout the term of the policy. This type of insurance would typically be used to cover a Repayment Mortgage where the sum owed decreases. Decreasing Term Insurance is therefore cheaper than Level Term Insurance.

Mortgage Term Insurance: Mortgage Term Insurance would be the term used for a policy that is taken out to protect your mortgage. The policy would pay off the full amount of the mortgage to protect the family home in the event of your death.

If you have a family and/or a mortgage, life insurance can give you peace of mind that they will be looked after in the tragic event of your death. None of us like to think about it, but understanding how this type of insurance works could save you money.

You should first look at term insurance. This temporary form of life insurance is offered by most insurance companies, a number of friendly societies and other financial providers.

It’s based on a simple concept – the insurer guarantees to pay the policy benefits if you die within a given time. If you survive to the end of the policy’s term, no benefit will be paid.

The term of the policy depends upon you and may be anything from a few years to several decades but it should coincide with your need for protection. Policies may be written on your life or on the life of yourself and your partner. Term insurance is the least expensive form of life cover. Be aware that premiums for men tend to be higher because on average they do not live as long as women. Premiums for smokers are more expensive.


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Because of my occupation I thoughtI may be ineligible for life insurance, but you guys had the specialist knowledge and knew where to look. You are truly miracle workers, a fast and efficient service!


Getting the right life insurance policy is an important decision and it can be quite a daunting prospect but one that should not be taken lightly. Do you fully understand what features the different policies offer and why premiums vary so much? None of us want to think about dying, but as you are considering taking out life insurance to protect either your home or your family then you do want to make sure that the things you value most are protected.

It is important therefore, that you take a little time considering what it is you’re buying. Many websites claim to provide an ‘online quote’ but more often than not these are not at all accurate as they are based on someone of a certain (young) age in perfect health. If you have had previous health issues, there is a family history, lifestyle considerations or are involved in what is considered a hazardous occupation or take part in a dangerous sport (and this could be a sport that you hadn’t considered as dangerous) it is important that you do declare this. It may not necessarily affect the cost of your policy but if, tragically, a claim were to be made, this could be declined due to non-disclosure, even if the cause of death were totally unrelated.

Our service offers access to every single life insurance policy on the market. When you submit your enquiry you will be designated your own personal expert advisor who will work on your behalf to research the whole market to find the best policy for you and your family. No-one will visit you, after a short phone call to establish your circumstances and requirements your advisor will be working for you to SAVE YOU TIME AND MONEY and give you peace of mind. If you decide to proceed the forms will be completed on your behalf and all you’ll need to do is sign and return them.

Data Protection Security

In accordance with the Data Protection Act 1998, any personal information you provide will be treated in the strictest confidence. Your data will not be shared with any third party and you will not be sent information by email or other media for any other services or products.

our best quote promise!

Please note that this is not an automated online quote service! Many websites claim to offer this but in most cases the online quote will be totally inaccurate and will be based on a young person in perfect health.

The easiest and quickest way to get you the best quote is for an advisor to speak to you to fully understand your requirements and circumstances.

Once you have your quote you will not be bothered further and it is entirely up to you whether you proceed. You do not have to follow the recommendations made!

You will only be contacted by one advisor and you will not be sent any spam email.


Thank your team for a truly excellent, honest, top class service. We’d previously had several online quotes that turned out to be totally inaccurate which wasted an awful amount of our time. Your staff were fast, efficient and not at all pushy.

Carol Adam, Surrey


money-Advisor.co.uk. Money Advisor is an independent marketing website that acts as an introducer to regulated companies who can offer advice on the product which you submitted an enquiry about. Money Advisor may receive a fee from the regulated company to whom you are referred but you are not charged for this service whether or not you follow any advice given.

A guide to ERP useful life and how to calculate it #advantage


A guide to ERP useful life and how to calculate it

Our ERP systems are a tool we use to help our business and like any tool, there will come a point when they are no longer valuable. How do we know when that moment arrives? What options might we use?

Take the original cost of your ERP. Add to it the money spent on hardware and network systems and the costs to begin using the system. Add now the annual cost to keep the ERP running. Then add up the money value or that same ERP for your business year by year. Chart the money going out and the value coming in.

You might see the money out is higher at first but you should see the value coming in pass the money out soon. If you see the money out exceed the incoming value after a few years that ERP is beyond its useful life.

This is not hard science. Were you going to upgrade your network anyway and that cost might not be related to ERP? You are not contractually liable to pay for ongoing support. But, would your value diminish if you did not?

The impact of modern technology on ERP useful life

The ERP software industry is much more advanced than it was 25 years ago. The weaker competitors that did not keep their products up-to-date are mostly gone. If you choose an ERP provider that will stay in business and upgrade their products along with improvements in hardware and software, your useful life might be infinite as long as your requirements remain consistent.

This step-by-step guide to calculating ERP ROI will help you establish what new software can offer in the long term

You can help yourself improve the life of your ERP too. Keep paying for annual support and upgrades. Your provider should be busy making improvements you and others of their customers ask for. They should fix bugs and other problems quickly and regularly. As long as you understand what changed and actually install the new version it is available to use.

Upgrading processes and the effect on useful life

Next, you might need to upgrade some internal processes to take advantage of the software change. Pay attention to your ERP revisions and use what makes value for your business. Basic actions you can take include:

  • Keeping your infrastructure up-to-date. If users complain about the speed of your ERP, it could be your own fault.
  • Looking for third party customizations and integrations that you can use to improve your processes and better your bottom line. While your in-house ERP team might manage just fine, there is a whole world of developers whose ideas can help you – seek them out. Since your ERP runs using standard web systems, man third party systems can be connected easily to your ERP.
  • Use business intelligence and workflow tools and keep looking for more ways to make optimal choices faster and at the lowest possible level.

Another way to look at useful life is to study your local tax rules. Many tax authorities define a useful life as the number of years to depreciate an asset. That is the lazy way. Use your ERP to add value and never stop looking for more value.

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Care solutions for life #care #solutions #for #life


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How to Cancel Life Insurance: 13 Steps (with Pictures) #cancel #term #life


How to Cancel Life Insurance

There are many reasons why you many need to cancel life insurance for yourself or a loved one. You may no longer have the funds to pay for the policy. You may want to cash out the money that you have put into the policy, or you may want to cancel a policy with one company so that you can purchase a new policy with a different company. Whatever the reason, cancelling your policy is an easy business transaction that can be handled simply and professionally.

Steps Edit

Part One of Three:
Researching How to Cancel Edit

Visit the company’s website. If you have a policy with a large national or regional insurer, then it should have a website. Visit the company’s website and see if they have information about cancellation.

  • You can find a website address on any piece of correspondence that the insurer has sent you. Or you can search on the web: type the name of your insurer into your favorite web browser.
  • Look in the Frequently Asked Questions sections to see if there is information about who to contact.

Contact a broker. Before cancelling your life insurance policy, you should contact an experienced broker to ask any questions you may have about your decision to cancel. Even if you know for sure that you are going to cancel your policy, it is good to have someone to talk to about your choice who is an expert in life insurance issues.

  • If you do not have a broker already, contact your life insurance company to set you up with someone. Finding a broker through your insurance company will insure that you work with a broker who is properly licensed and who is recommended by experts.

Meet with an accountant. There can be tax consequences of cancelling a policy. Whole and universal life insurance policies build up cash value through excess premiums and earnings. When you cancel, the insurance company cuts you a check for this amount. [1] This money may or may not be taxed.

  • Only an experienced tax professional can answer questions about the tax consequences of cancelling life insurance.

Research partial withdrawal policies. If you have a universal life insurance policy, you may be able to withdraw some of the cash value from your policy without cancelling out of the policy altogether. [2] Doing so would free up some of the cash for you to use, but you would still have money in the policy in the event of your death.

  • However, taking a “loan” from your life insurance policy can have consequences, so make sure to speak with your broker before taking this option.
  • For example, some policies will reduce the amount of the death benefit and will not allow you to repay the loan to raise it again.
  • Additionally, in some circumstances, you could pay a tax on the amount that you take out of the policy.

Ask about the consequences of cancelling. You may have to pay a cancellation fee or penalty. [3] Also, the policy may state that some of the money that has accumulated in the insurance policy may be returned to you.

  • Look at your life insurance policy. It should include a clause detailing the cancellation fee or penalty. If the policy will return money to you upon cancellation, then the fee or penalty will be deducted from it. [4]
  • Some newer life insurance policies include a cancellation clause in which the penalty decreases over the life of the policy. In other words, the longer you have had the policy the lower your penalty will be. [5]

Try to keep the policy. If you want to cancel because of a temporary job loss or because your employer has stopped paying premiums, then consider if there is any way to continue making premium payments. You could pull money from other parts of your budget or get a part-time job.

  • Also talk with your insurance company. Some companies might let you reduce the face amount of the policy, thus lowering your premiums. Also, you may be able to use some of the plan’s cash value to cover premiums. [6]

Start early. If you intend to have a more affordable policy, then you should have a second policy in place before you cancel your first one.

  • The amount of time to process a life insurance application varies from 15 minutes to 2 months. [10] You should give yourself plenty of time.
  • If you have to undergo a medical exam or submit medical records, then you should account for that as well.
  • Getting a complete set of medical records can be cumbersome as offices are overwhelmed with requests for copies of records. [11]

Get quotes. If you cancelled the insurance policy because it was too expensive but still want coverage, then you will need to find affordable insurance. You should contact a broker or visit the websites for major insurers.

  • You can look into “term” life insurance. Term life insurance often has lower premiums because it is in effect for only a specific amount of time, during which you pay the premiums, whereas whole life insurance is in effect for the entirety of your life, even after the premiums have been paid. [12]
  • Term life insurance is recommended for those under 40 or those who do not have sufficient income to pay for whole life insurance. [13]

Apply for a policy. Gather the paperwork and fill it out. Keep a copy for your records and mail the original back.

  • Also schedule any required medical exam and request medical records.
  • You should receive confirmation within a month. [14]

Guaranteed Cash Value Vs #life #insurance #policy #with #cash #value


Guaranteed Cash Value Vs. Net Cash Value Life Insurance

More Articles

Besides simply providing coverage that will never expire, permanent life insurance policies have the added benefit of accumulating cash value — money that can be utilized while you’re still alive. However, confusion often exists regarding how this money accumulates and what happens to it if a policy is canceled. By understanding the basics of cash value and the terminology used by most insurance companies, you can avoid confusion regarding your own policy values.

Permanent Life Insurance

Several types of life insurance policies exist, but each can be classified into two distinct categories: term or permanent. Term policies provide coverage for a specified duration, typically between 10 and 30 years. At the end of the term period, most policies expire, leaving you without coverage. Term life insurance is the simplest type of contract, as policies have no value unless you die while coverage is still in effect. Permanent life insurance is designed to last forever, and these contracts accumulate real equity in the form of cash value.

Cash Value Accumulation

Permanent life insurance premiums are structured so that premiums remain level throughout your lifetime. However, as you age the actual cost of providing coverage increases. To ease the inevitable financial obligation created by your approach to average life expectancy, insurance companies charge customers more than what is necessary to provide benefits in the early years of the policy. The excess premium received is set aside in a separate account, the cash value, within the policy. Over time, this account may increase in value depending on the specific policy type. In later years, when your premium payment is insufficient to cover the real cost of coverage, the insurance company subtracts the necessary difference from the cash value. In essence, the company subsidizes your inadequate payment with the excess money you provided earlier.

Guaranteed Cash Value

Whole life and universal life policies, two popular types of permanent insurance, provide for a minimum guaranteed interest rate on the cash value account. Regardless of how the economy performs or to what levels current interest rates rise or fall, your cash value will earn at least the minimum guaranteed rate stipulated in your contract. As long as you pay your premiums as outlined in the policy, your cash value account will increase at a predictable pace. If interest rates rise, the insurance company may bump up the rate in your account — but if rates decrease the company cannot drop your rate below the minimum.

Net Surrender Cash Value

The net surrender cash value is the amount of money you will receive if you cancel a permanent life insurance policy. All permanent life insurance statements display the current accumulated cash value alongside the net surrender value. These values typically differ for several years, sometimes for more than a decade. Insurance companies spend a significant amount of money during the application stage, prior to actually approving and issuing your policy. Salaries, fees and commissions are paid to underwriters and office personnel, sales agents, nurses and lab technicians. Insurance companies keep a significant portion of your accumulated cash value to recuperate these expenses if you cancel your policy. Any value remaining after these fees are deducted is the net surrender value of the contract.

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Cost of Life Insurance – Consumer Information and Prices Paid #life #insurance,


Life Insurance Cost

When purchasing life insurance, you first need to determine what kind of insurance you will buy (term life or cash value) and the amount of coverage you need. Term life – which has a certain coverage for a defined term of time without any “cash value” that builds up over time – is the most straightforward kind and is generally substantially less expensive.
If you choose a cash value life insurance policy, it’s especially important to choose a carrier that is financially sound and stable. If you use an insurance aggregator such as Intelliquote, they will display the Standard and Poor’s, Moody’s, and other ratings.
The California Department of Insurance has a helpful Consumer’s Guide to life insurance.

  • Using Intelliquote, we tested several different scenarios for a fit male in California who has never smoked and is seeking a 20 Year, $500,000 term life insurance policy. For a 30 year old, the monthly premium would be $24-$31 a month, for a 40 year old, the monthly premium would be $31-$40 a month, and for a 50 year old, the monthly premium would be $83-$92 a month.
  • Using Intelliquote, we tested several different scenarios for an obese male in Illinois who smokes a pack of cigarettes a day and is seeking a 20 year, $500,000 term life insurance policy. For a 30 year old, the monthly premium would be $95-$177 a month, for a 40 year old, the monthly premium would be $195-$243 a month, and for a 50 year old, the monthly premium would be $471-$541 a month.

Related articles: Disability Insurance. Long Term Care Insurance. Child Health Insurance

Shopping for life insurance:

  • Nation-wide online life insurance aggregators include IntelliQuote [1 ] and ReliaQuote [2 ]. which will provide a quick overview of possible rates.
  • Once you’ve gotten ballpark estimates of what kind of policy you want and what kind of companies you’re interested in, you may want to talk to a life insurance agent to pick a specific policy. Be aware, though, that insurance agents can have financial incentives to encourage to you to pick particular plans.

My dad is now 84 years old. I took over paying their bills 1- years ago and became aware that he was paying (through draft) $68.78 monthly for a term life? policy worth only $19,000.
This doesn’t seem possible. I contacted a Metlife rep several years ago and didn’t get anywhere with him.
My dad was a young man workin for the Middle GA Electrical Membership Corporation. They cut back right-of-way, put up lines, when your lights go out due to a storm, they are the guy who go out in the weather and get things back up and running. But, $68.78 for just $19,000.
He has been disabled since early 70 and has been paying this premium all these years AND many year sprior to that as far as i know.
My mom had an 8th grade education and my dad only a 7th. This seems criminal to me that this has gone on all these years. They didn’t know any better. When I realized this at first, he had already paid in almost as much as it was worth adn I felt we had too much invested to just drop it. He is a veteran released on an honorable discharge, so it is possible he didn’t need this, but who knows at this point.
Can you give me an direction? I had not thougth about talkign to the insurance commissioner or an attorney, but I may.

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How Much Does It Cost To Drill A Water Well? The Housing


How Much Does It Cost To Drill A Water Well?

There are numerous reasons why someone may want to drill water wells on their property. The person may want a well to supplement or replace the supply of municipal water. Or perhaps drilling a well is the only way to obtain water on the property. No matter what the reasons are, the person will certainly need to know how much it costs to drill water wells prior to beginning the project.

There are several cost factors to take into consideration. For instance, licenses and special permits may have to be obtained. Equipment or tools may have to be purchased or rented. Most likely, it will be necessary to either hire professional well drillers or at least hire some general laborers to help with the drilling. Then there is the cost of the materials and water tests to consider. Prices for permits, licenses, labor, water testing, and materials differ from one location to the next. The quality of the material and water may also affect the total cost. And the size and type of water system added to the water well will definitely affect the total cost.

Most licensed drillers charge per depth/diameter foot and include the permits and basic materials, such as the well casing, in the estimated cost. The average residential water well ranges between 30-200 feet deep. For residential water wells in the United States, the price ranges from $15-$100 per foot, with a total price range from $3,000-to over $50,000. However, the rest of the water system, such as the electric connections, pump, pipes leading to the home, and storage system are typically not included in the estimate. So it may be necessary to add an additional $800-$2,000 to the amount to the contractor’s quotes or ask that the cost of the complete water system be included. Even the drilling company cannot give an exact price until after the well has been drilled and the water has been tested.

Estimating Total Price

Although the total cost will vary from project to project, there are ways to get an estimated total price. The easiest and best way is to get a few licensed well drillers to provide you with an estimated cost for your specific location and choice of water system. Since they drill wells as a profession, they are also the most qualified people to obtain advice from if you are planning on drilling your own water well.

Most professionals do not mind answering a few questions as to what type of material is suitable to your terrain and environment, as well as what the most recent prices are for labor and materials. They would also most likely have up-to-date information regarding what permits or licenses are required for the location, and the costs of those permits/licenses. Usually, there is no legal obligation to hire a company once you have obtained a consultation, and most companies will provide free estimates. However, some states legally require that a licensed driller be utilized. This is due to the major impact an improperly constructed well can have on the environment. So having several professional contractors give you a quote may save you time in the long run.

The hardest way is to figure out the total cost on your own. This is because you have to have a good idea of how many feet into the ground the well will reach. You will also need to know which permits or licenses are required. And you will have to research which types of materials and drilling is most suitable for the location of the well. You will also need to know the quality of the water in order to properly plan which additional water system to utilize.

It is highly suggested that you read the contract over carefully when hiring a professional drilling company. They are not legally bound to hit water when drilling a well, since no one can guarantee there is an accessible supply of water under your property. You may want to ensure there is a clause for possibly drilling a second well if the first one does not work out. You may also want to ensure it is clear who will obtain and pay for any required permits. Additionally, it is a good idea to clarify who will purchase and install the remainder of the water system. And you should also make sure it is clear who will clean up the mess on the property after the well is finished. Moreover, it is best to ensure the contractor has proper liability insurance to cover any injuries and property damage that may occur during the project.

Author: Penny Vincent

Penny Vincent has been a professional writer for 3 years. She joined TheHousingForum Team in January, 2009. Penny enjoys spending time with family and friends, managing two small, home-based businesses, and sharing her vast knowledge with others. View all posts by Penny Vincent



Mesothelioma Foundation Experts Can Answer Your Questions!


Viewed as an asbestos related cancer, peritoneal mesothelioma, is the second most common type of mesothelioma, discovered at a rate of around 250 new cases a year, or in about 10-15% of all types of mesothelioma diagnoses.

Where Does Peritoneal Mesothelioma Occur?

Peritoneal mesothelioma occurs in the abdomen, on the surface of the omentum and visceral organs. Because of its relation to the abdomen, peritoneal mesothelioma is also often referred to as abdominal mesothelioma.

Linked to asbestos exposure. the disease is thought to develop when asbestos fibers become trapped in either the trachea or lungs, before eventually being passed into the peritoneum (abdomen).

As the disease develops around the abdominal lining, fluid accumulation occurs – which in turn leads to increased abdominal swelling.

Due to its long latency period, symptoms for abdominal mesothelioma often will not appear for several years after a patient is exposed to asbestos. On average, this latency period can occur anywhere from 25-40 years after the exposure occurs. Contact your healthcare professional immediately if you suspect that you may be experiencing any symptoms associated of mesothelioma.

With this type of mesothelioma, symptoms are a result of fluid accumulation and tumor expansion in and around the peritoneum (abdomen). This often results in the expansion of the abdomen. Other symptoms related to abdominal mesothelioma include:

  • Pain in the abdomen
  • Weight loss and loss of appetite
  • Elevated white blood count

Patients with peritoneal mesothelioma often go undiagnosed until the disease is in its final stages. While treatment is mostly palliative and not curative, doctors and mesothelioma specialists can offer a number of treatment options in order to relieve symptoms of peritoneal mesothelioma and possibly extend life expectancy.

  • Peritoneal Surgery. Though not mostly not curative, extended survivals through surgery have been reported by a select group of surgeons who specialize in the treatment of peritoneal mesothelioma
  • Chemotherapy for Peritoneal. Studies have demonstrated that the most active regimen can reduce tumors in 40% of patients and extend life in those that respond to chemotherapy. While it is often no viewed as a curative option, chemotherapy has also been shown to have palliative effects, including reducing shortness of breath, reducing ascites or effusions, reducing pain and improving the quality of life
  • Radiation for Peritoneal Mesothelioma. Radiation has proved to have limited effect as a primary treatment for peritoneal or abdominal mesothelioma. However, as a palliative treatment during and after surgery, it has proven useful in preventing malignant seeding of the incision sites

Please note that many of the signs and symptoms of peritoneal mesothelioma are often associated with other illnesses. Contact the Meso Foundation s Nurse Practitioner for expert help.

Children – s Life Insurance: Globe Life Official Site #life #insurance, #affordable


Whole Life Insurance for Children

Give your child or grandchild a financial head start Your child s policy build cash value for the future.

Benefits never canceled or reduced Once approved, your benefits will never be reduced or canceled regardless of changes in age or occupation.

Rates are guaranteed to stay the same for life The monthly rate is based on your children s or grandchildren s present age and is guaranteed to stay the same for the rest of their life.

$1 * BUYS $100,000

Term Life Insurance for Adults

It s easy to buy! It is simple to understand. No agent will visit and there is no medical exam just a few easy health questions. It s hassle-free.

Peace of mind for you and your family Feel secure knowing that money will be there for credit cards bills, home and car loans, children s and grandchildren s future education and even your medical and final burial expenses.

Life insurance that fits your budget Choose the right coverage amount to fit your monthly expenses.

Globe Life has been protecting America s families since 1951

Globe Life continues to receive an A+ (Superior)** rating from A.M. Best Company based on their latest analysis of Globe Life ‘s financial strength, management skills and integrity.
(rating as of 6/16)

Children’s Life Insurance

Should You Get Life Insurance for Your Children

Whether you are just starting a family, or already have children, there are several important decisions that you may be thinking about.

Whether you are just starting a family, or already have children, there are several important decisions that you may be thinking about. Can your home accommodate growing children? Do you make enough money to support your children? What schools would you like them to go to and how will you be able to afford their future education?

These are just a few of the things that parents consider about their child or children. One thing that you may not think about immediately however, is life insurance for your children.

Many new parents don t want to think about the serious aspects of life insurance and instead want to enjoy the new additions to their family without the thought of what may happen. However, it may be in your child s best interest to look into the many benefits of life insurance.

Life insurance is frequently purchased by older adults, or young parents themselves thinking about the well-being of their children should something happen to them. But what you may not realize is that having life insurance for your children can be a great benefit to them for many reasons.

First of all, purchasing a life insurance policy for your child can help protect them should an illness or injury prevent them from getting coverage in the future. Young, healthy children aren t typically seen as needing life insurance. However, having that coverage in place could help prevent you and them from future financial burdens should an accident or illness occur.

Secondly, many people see life insurance for children as a great gift because of it gives them a financial head start. Purchasing life insurance for your child will enable that policy to accumulate cash value, which can be used for whatever need may arise in their future.

For example, buying a life insurance policy for your child when they are young can allow that policy to mature and can be used to help with their continuing education when get older.

Many people that buy life insurance for children are actually the grandparents, because older adults especially understand the importance and long-term value of life insurance.

Whether you are a grandparent, parent or are just starting a family, life insurance for your children is something that you should research and get information about before you buy.

There are numerous resources available on the Internet that can help guide you to information about this. If you are looking for information on life insurance for yourself as well, it may be advised to find a company that can offer affordable life insurance for you as well as your children.

Do some research, talk to your family and then decide what s right for your family.

About Us

  • About Globe Life
  • Jobs
  • Contact Us

*$1 pays for the first month of children s coverage. Then the rate is based on your child s present age and is guaranteed to stay the same for the rest of their life. Policy Form # GWL2001 or GWLA001
*$1 pays for the first month s adult coverage. Then the rate schedule is based on your current age and is guaranteed for the life of the policy. Policy Form # SRTCV/SRTCV13
**A.M. Best Company rating as of 6/16 based on financial strength, management skill and integrity. For the latest rating, access www.ambest.com.

Globe Life has been protecting America s families since 1951

Globe Life continues to receive an A+ (Superior)** rating from A.M. Best Company based on their latest analysis of Globe Life ‘s financial strength, management skills and integrity. (rating as of 6/16)

GMADW08 2005-2017 Globe Life And Accident Insurance Company, McKinney, TX All Rights Reserved.
Licensed in the United States CA Certificate Authority #4140

New-Car Replacement Insurance Explained #life #insu


New-Car Replacement Insurance Explained

A serious crash that wrecks your new car beyond repair could put a huge dent in your wallet, even if you have full-coverage car insurance.

Here’s why: The insurance payout will equal the car’s market value, minus your deductible. The market value will be less than what you paid for the car, even if you just drove it off the lot. As a result, you might have nothing left to buy another vehicle once you pay off your lender.

Imagine, though, getting reimbursed for the full cost of a brand-new model. That’s the idea behind new-car replacement coverage, a benefit offered by some auto insurance companies to supplement what car insurance covers .

You’ll probably appreciate such a perk if your car is totaled, but in most cases the extra coverage comes at a price, and you’ll need to weigh the cost of car insurance against other options to decide whether it’s worth it. In addition, the coverage is geared to newer cars, so don’t expect a 15-year-old beater to qualify.

When a car is totaled

A car is declared a total loss when the estimated costs to repair it exceed a large percentage of the vehicle’s value. The cutoff point varies by insurer and state, although a common level is 75%, meaning repair costs would exceed 75% of the car’s value. The bottom line is that the damage is so bad that the car isn’t worth fixing.

Consider this: The average cost of replacing a car bumper alone is $935 to $1,580, according to Western Auto Body, a collision-repair facility in California. Increase that bill if your car has other dents and scrapes, and suddenly it’s a “total loss.”

Assuming you have collision and comprehensive coverage, your car insurance company will pay out the market value of your car, minus the deductible amount.

Hedging against vehicle depreciation

New-car replacement coverage is available from insurance companies only if you buy collision and comprehensive insurance. Unlike liability insurance, which pays for injuries and damage you cause to others, collision and comprehensive insurance protects your vehicle. No states require you to buy collision or comprehensive coverage, but your lender or leasing company will require you to have the coverage if you financed or leased your car.

Collision insurance pays for repairs if your car is damaged from hitting an object or other vehicle or from rolling over, whereas comprehensive pays for damage from other causes, such as hitting an animal, vandalism or natural disasters, and covers the car if it’s stolen.

Your car starts losing value immediately after you buy it. The depreciation rate for used vehicles is currently about 14.5% a year, according to the Black Book Fitch Ratings 2015 Vehicle Depreciation Report. That means if you buy a $30,000 new car, the market value will probably drop to $25,650 within one year. Within two years the car might be worth less than $22,000.

New-car replacement insurance eliminates worries about depreciation. If your car is totaled, the insurance company will cut you a check, minus the deductible, to buy a new vehicle of the same make and model.

Who offers new-car replacement insurance?

Coverage details vary by insurance company, but here are some examples:

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Barbara Marquand

Travelers “premier new-car replacement” insurance pays to replace your car with a new vehicle of the same make and model during the first five years.

New-car replacement vs. gap coverage

Gap insurance is another way to protect yourself from vehicle depreciation if your car is totaled, but it works a little differently. Rather than paying out to buy a new car, it pays the difference between the insurance claim check for the totaled car and the amount you owe on a lease or loan. This protects you financially in case you owe more than what the car is worth.

The car dealer usually provides gap coverage if you lease a car and includes the cost in the lease. If you take out a car loan to buy a vehicle, you can buy gap insurance from a car insurance company.

Gap coverage is a good idea if you make a small down payment toward a car and you’re likely to owe more than the vehicle is worth for the first few years of the loan.

To decide if this kind of coverage is right for you, calculate the shortfall you’d face if your new car were totaled. Say your car is worth $17,000, you owe $20,000 on the car loan and you have a deductible of $500 for collision and comprehensive. If the car is declared a total loss, the insurance company will pay out $16,500 — $17,000 minus the $500 deductible. You’d still owe the lender $3,500.

Is that an expense you could afford to pay out of pocket? If not, then new-car replacement coverage or gap coverage is worth considering.

Read the terms and conditions for both types of coverage to make sure your vehicle qualifies. Depending on the insurer, gap coverage might be available for more years than new-car replacement coverage.

Image via iStock.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Barbara Marquand

Easily compare auto insurance rates


  • Get instant car insurance prices.
  • See a price comparison for multiple carriers.

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Connecticut General Health Insurance #connecticut #general #life #ins #co


Connecticut General Health Insurance

Are you staying up in Connecticut and searching for information regarding health insurance? You could have read large numbers of papers and browsed through various online websites. Confused are you?

This can be sorted out by acquiring insurance quotes from all the companies you are taking into consideration. If you compare and contrast the companies, you can figure out which is the best Connecticut General health insurance plan for you and which company would suit you.

Many companies help you in the process of buying a medical insurance that fits your needs to the best possible extent.

A lot of the residents of Connecticut purchase Connecticut General Health Insurance from their employers in the form of group health insurance. Therein insurance policy, section of medical aid expenses is given by the employers.

Commonly, the insurance premium that a consumer requires paying will come between 16-27 % of the entire value.

It is surprising to be aware that the amount of insurance premium for group health insurance does not really depend upon your health condition or your loved ones’ health ; instead, on the overall health condition of the group, that comprise of the employees that are covered in that special plan.

For everybody who is self employed. can qualify for a little group plan in Connecticut; even so, to be entitled to this plan, you’ll want 2 or more eligible employees. Each One of these employees is needed to work for at least 30 hours per week.

While living in Connecticut and searching for Connecticut General Health Insurance plan, you need to make an effort to qualify for Medicaid plan. It brings out a Medicaid card that you can present to your physician at a consultation and if this physician is a part of the network of Medicaid program, the State will bear the bill for the engagement minus any other health plan you may possess.

There are beneficial choices available for individuals to get hold of private insurance from several companies in Connecticut. Unlike the matter of group health insurance, private health insurance in Connecticut would certainly estimate its insurance premium based on your health condition. While purchasing Connecticut General Health Insurance from private companies, you require taking take care of particular facets of any insurance policy, consisting of:

  1. What precisely the medical insurance coverage comprise of?
  2. What is the insurance premium price and how much are the deductibles?
  3. If you wish to meet a medical specialist, do you want referrals?
  4. If you possess some preexisting medical condition, does the insurance policy cover it?
  5. If you require maternity or child care, does the insurance policy render health insurance?
  6. Periodical check-ups, drugstore, and emergency care are included or not?

Once you have guaranteed that these particular points are dealt with, you have equipped yourself with some introductory knowledge of being familiar with a Connecticut General Health Insurance. With little more attempts on equating some health insurance quotes, you can make your ultimate decision.

Finding the Right Policy for You

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Access: Strigolactone inhibition of shoot branching: Nature #nature, #science, #science #news, #biology,




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Strigolactone inhibition of shoot branching

Victoria Gomez-Roldan 1. Soraya Fermas 2. Philip B. Brewer 3. Virginie Puech-Pag s 1. Elizabeth A. Dun 3. Jean-Paul Pillot 2. Fabien Letisse 4. Radoslava Matusova 5. Saida Danoun 1. Jean-Charles Portais 4. Harro Bouwmeester 5. 6. Guillaume B card 1. Christine A. Beveridge 3. 7. 8. Catherine Rameau 2. 8 Soizic F. Rochange 1. 8

  1. Universit de Toulouse; UPS; CNRS; Surface Cellulaire et Signalisation chez les V g taux, 24 chemin de Borde Rouge, F-31326 Castanet-Tolosan, France
  2. Station de G n tique et d Am lioration des Plantes, Institut J. P. Bourgin, UR254 INRA, F-78000 Versailles, France
  3. ARC Centre of Excellence for Integrative Legume Research, The University of Queensland, Brisbane 4072, Australia
  4. CNRS, UMR5504, INRA, UMR792 Ing nierie des Syst mes Biologiques et des Proc d s, INSA de Toulouse, F-31400 Toulouse, France
  5. Plant Research International, PO Box 16, 6700 AA Wageningen, the Netherlands
  6. Laboratory of Plant Physiology, Wageningen University, Arboretumlaan 4, 6703 BD Wageningen, the Netherlands
  7. School of Integrative Biology, The University of Queensland, Brisbane 4072, Australia
  8. These authors contributed equally to this work.


A carotenoid-derived hormonal signal that inhibits shoot branching in plants has long escaped identification. Strigolactones are compounds thought to be derived from carotenoids and are known to trigger the germination of parasitic plant seeds and stimulate symbiotic fungi. Here we present evidence that carotenoid cleavage dioxygenase 8 shoot branching mutants of pea are strigolactone deficient and that strigolactone application restores the wild-type branching phenotype to ccd8 mutants. Moreover, we show that other branching mutants previously characterized as lacking a response to the branching inhibition signal also lack strigolactone response, and are not deficient in strigolactones. These responses are conserved in Arabidopsis. In agreement with the expected properties of the hormonal signal, exogenous strigolactone can be transported in shoots and act at low concentrations. We suggest that endogenous strigolactones or related compounds inhibit shoot branching in plants. Furthermore, ccd8 mutants demonstrate the diverse effects of strigolactones in shoot branching, mycorrhizal symbiosis and parasitic weed interaction.

  1. Universit de Toulouse; UPS; CNRS; Surface Cellulaire et Signalisation chez les V g taux, 24 chemin de Borde Rouge, F-31326 Castanet-Tolosan, France
  2. Station de G n tique et d Am lioration des Plantes, Institut J. P. Bourgin, UR254 INRA, F-78000 Versailles, France
  3. ARC Centre of Excellence for Integrative Legume Research, The University of Queensland, Brisbane 4072, Australia
  4. CNRS, UMR5504, INRA, UMR792 Ing nierie des Syst mes Biologiques et des Proc d s, INSA de Toulouse, F-31400 Toulouse, France
  5. Plant Research International, PO Box 16, 6700 AA Wageningen, the Netherlands
  6. Laboratory of Plant Physiology, Wageningen University, Arboretumlaan 4, 6703 BD Wageningen, the Netherlands
  7. School of Integrative Biology, The University of Queensland, Brisbane 4072, Australia
  8. These authors contributed equally to this work.

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Life Insurance – State Farm #life #insurance #rates,life #insurance,life #insurance #quotes


Life Insurance Coverage, Rates and Quotes

State Farm Life Insurance Company or State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) can help you find coverage that’s right for you and your loved ones. Our life planning videos and calculator can help you understand your options, and figure out how much and what kind is right for you, before getting your life insurance quote.

Get a Life Quote

Learn About Life Insurance

What is life Insurance? What are Living Benefits? Watch and learn all the ways life insurance from State Farm �can help you protect what matters most now and in the years to come.

Agent Ashley Deadwyler-Jones talks about life insurance and some of the great things it can do for you.

How much life insurance? What kind? Agent Gregory Daniels talks about a simple way to find what’s right for you.

When it comes to life insurance, a good neighbor can make all the difference. Agent Manny Viadero shares why and more.

How can Living Benefits of permanent life insurance help parents make sure their kids get the education they deserve? Agent Ashley Deadwyler-Jones explains.

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Term life insurance #financial #strategy,retiree, #pre #retiree,applicant,beneficiary,term #life,customer,young,insurance,prospect,mid #career,family #and #home


Term life insurance: Protection for your big plans. (And for your littlest ones.)

Term life insurance is the simplest way to protect loved ones now—and lock in your lowest available rates for a set period of time. As long as you keep your policy active for a set “term” (like 10, 15, or 20 years), it can replace your lost income, tax-free, in the event of your death. Plus, you can add more coverage or upgrade to a permanent policy later.*

Yearly Convertible Term

If you’re on a tight budget or unsure what protection you need, starting with a term policy can make sense. Later on, you can renew or upgrade.

Level Premium Convertible Term

If consistency appeals, take comfort with a guaranteed rate that won’t go up until your term runs out (or you convert to whole life coverage).

Our wide range of riders, some at additional cost, offer extra benefits to help you meet your short- and long-term goals.

You look out for loved ones every day. Term life insurance helps protect their futures, too.

It goes without saying that you could never be replaced, but with life insurance, your loved ones wouldn’t be burdened with the financial pressure that would come with your loss. Here’s why: the proceeds of life insurance can be used to help preserve your beneficiaries’ standard of living and fulfill future goals, and generally come free from federal income tax.


Term life policies often start you at a lower premium for a set period of time. You choose the length of time you’d like to carry the policy, and at the end of the term, you typically have the option to easily renew or upgrade to a permanent policy.

In this way, purchasing term life when you’re young can lock in your access to affordable life insurance for the term period—even if your health status changes. You can convert your coverage to more rewarding permanent policies, like whole life insurance. possibly at a lower price than if you’d put off purchasing until you’re older.

Could a term policy be right for you?

Term can be the perfect solution for those balancing high expenses with a high need for protection, for example, when you’re starting a family. Ultimately, term life is a cost-conscious solution to get the most protection you can now, while still providing you with an opportunity to convert to a permanent policy later on.

Finally, term insurance is a great option for people who need:

  • Coverage for a well-defined period of time
  • Business protection (in the event you’d lose a key employee or business partner)
  • Extra coverage on top of other, permanent life insurance


Earn Accredited Life Experience Degree by Sheffield State University #life #experience #degrees,


Degree and Accreditation

Looking to build OR better your career?
Sheffield State University Offers Life Experience Degree On 300 +

  • Degree Based Solely On Credit

    How can I earn an entire degree based solely on credit for life or work experience?
    Sheffield State University offers life experience degree on the basis of course work.
    We help those individuals who wish to earn accredited work.

  • Earn Recognized Life Experience Degrees

    Earn life experience degree through the Jobs, Military Training or through Social Work or Community based work experience. Colleges and Universities like Sheffield State University will accept your Life Experience and provide you credits in courses. This Assurance of Work credits offer to accelerate your e-learning college experience, while providing you to earn a fully accredited life experience based degree. But do remember that, not all the colleges and universities provide “Life Experience Degree Programs” and also you have to check properly that if institution is authorized by U.S Department of Education or not.

    Most of you don’t know that your own life experience have given you a good chance to earn credits for your college degree. But how you will know that your experience is fulfilling the requirement of some colleges and universities who independently design and proctors its life experience degree programs. So, it’s important that you should research potential programs to rectify their relevancy to your education objectives and life experience. You should also make sure that the institution you’re considering is fully accredited.

    Confidently Demonstrate with Accredited Life Experience Degree

    Rather, audit curricula for life experience degree program you’ve chosen. On the off chance that you as of now have inside and out learning for a specific course, essentially seek life credit. Simply be arranged to “demonstrate” your insight through different sources, for example,

    • Attendance of courses/workshops/gatherings
    • Licensure or certificates
    • Professionally composed books or papers
    • Community administration
    • Military administration
    • Specialized preparing
    • Work experience
    • Various tests or Assessments

    Share Your Experience Represent Your Life Experience Degree

    In the event that the learning you achieved was strictly through life experience or group administration, you may need to give proof of your aptitudes to get eligible for life experience degrees . For example, the school or college may request that you submit letters from your bosses, or other relevant elements, that affirm your occupation obligations. The organization might likewise request a duplicate of your resume.

    For information exhibited through distributed books/papers and licensure/affirmation, you may be solicited to submit duplicates from these materials to get eligible for life experience based degrees. Same goes for military administration, be arranged to submit a letter from your unequivocal leader delineating your life experience, military preparing and claim to fame. In case you’re a previous administrations part, hope to submit a duplicate of your DD Form 214, or other relevant reports, indicating preparing and life experience.

    While the methodology of requisitioning life credits may oblige a bit of legwork, don’t quit. It might be the most advantageous commitment you can make to satisfy your instructive dream. Furthermore, recollect, if the school or college concurs with your life experience appraisal, you’ve quite recently scored your first grand slam.

  • Sacramento Car Insurance Agents #sacramento, #california #insurance #agents, #sacramento, #california #auto #insurance,


    Car Insurance Agents in Sacramento, CA

    Find a Nationwide Insurance Agent in Sacramento, Calif.

    Auto insurance

    Our Sacramento auto insurance agents can help you find the right policy fit for liability, collision and comprehensive coverage. This coverage can be built around your financial priorities, asset protection needs and personal peace of mind. Here, too, the Sacramento insurance agents from Nationwide work hard to understand what matters to local residents and would be happy to discuss your insurance choices for a new household driver or vehicle.

    The city’s Sigalert traffic tool can be a great resource when traveling around the city, but it can’t prevent every accident. That’s why in addition to optional incentive programs like Vanishing Deductible Nationwide provides members with the On Your Side Claims Service. You’ll have a choice of qualified shops and an easy way to track your vehicle.

    Home insurance

    In addition to basic policy coverage for fire, theft and certain weather events, many local homeowners focus on earthquake coverage, and rightfully so. Sacramento may not be as prone to earthquakes as the state’s coastal cities, but it’s far from immune. Depending on the housing construction, it doesn’t take a breaking news event for an earthquake to cause damage to a home.

    That said; don’t let the search for earthquake coverage make you overlook other important coverage options. Along with a flexible list of homeowner products, Nationwide members can also take advantage of our Brand New Belongings and Better Roof Replacement programs. Talk to a Sacramento home insurance agent about any policy questions you may have.

    Business insurance

    Even without a lot of big-name companies, Sacramento has a thriving business community. There are several regional corporations and a host of commercial activity that comes with government services. There’s also a strong retail, hospitality and entertainment industry that caters to the city’s young professionals.

    No matter if your primary concern is protecting the storefront and commercial property or guarding against the liability that comes with professional contracting services no matter what combination of risk management products your company needs our Sacramento business insurance agents are ready to protect what you’ve worked so hard to build.

    Get personalized, online quotes

    Get a personalized quote in minutes with our online shopping tool. You can then explore other policy options, buy a policy directly online, or talk to a Sacramento insurance agent at any time.

    Cradle Of Life Adoption Agency #cradle #of #life #adoption #agency



    We want to wish all of our Birth Mothers and Adoptive Mothers a very happy Mother s Day weekend. You both will always have such a special bond in that you have cared for, protected, and love the same child. Birthmothers make the ultimate sacrifice and give the gift of life to adoptive mothers, and those adoptive mothers care for and raise those children in love as a way to honor that sacrifice and the woman that made it. Adoptive families should make sure to take some time this weekend to remind…

    6 мая 2016 г. в 13:50 · Доступно всем

    Cradle Of Life Adoption Agency обновил(-а) фото обложки.

    23 марта 2016 г. в 14:38 · Доступно всем

    Cradle Of Life Adoption Agency обновил(-а) фото профиля.

    23 марта 2016 г. в 14:38 · Доступно всем

    We should remember every day to value and appreciate the selflessness and love of our birthmothers, adoptive families and adoptees!

    Auburn Car Insurance Agents #auburn, #california #insurance #agents, #auburn, #california #auto #insurance,


    Car Insurance Agents in Auburn, CA

    Find a Nationwide Insurance Agent in Auburn, California

    Nationwide auto insurance

    Auburn may be known for its quiet streets and safe neighborhoods, but that’s not an excuse for dismissing your auto insurance coverage. Whether your top priority is saving on your monthly expenses, creating stronger liability protections, or celebrating each year of safe driving with our Vanishing Deductible program, Nationwide has what you’re looking for. And if you’re not sure what you’re looking for, then talk to one of our Auburn auto insurance agents about the right policy for you and your vehicle(s).

    Nationwide homeowners insurance

    No matter what style of home you own in Auburn, home insurance offers essential protection against a range of hazards. It’s not just the dwelling, either. Nationwide also provides coverage for your belongings and liability concerns. Talk to one of our Auburn home insurance agents about the different types of coverage that make sense for your homeowner’s policy.

    Nationwide life insurance

    We all worry about what will happen to our loved ones if something should happen to us. That’s why every Nationwide life insurance policy includes coverage for the worst case scenario. Personalized coverage options help our Auburn life insurance agents serve younger families as well as those who are already enjoying their retirement. Some of our local Auburn customers want help choosing the right type of policy for them. Others are interested in adding Nationwide coverage for long term care costs. If you’ve already done your research, we have an easy to use tool to find a quote. Otherwise, talk to an agent near you today.

    Nationwide business insurance

    Even businesses that aren’t on the Fortune 500 list have plenty of property and assets to protect. Talk to one of our Auburn business insurance agents about partnering with Nationwide to better manage your company’s risk.

    Local Insurance Quotes and Personalized Coverage

    Use Nationwide’s online tool to start calculating personalized quotes based on your zip and a few basic details. It’s easy to enter the information, but you can also talk to an agent at any time.

    Rudlings Wakelam Solicitors Bury St Edmunds Thetford Brandon #rudlings #wakelam, #solicitors, #will


    All of our teams work closely together, sharing ideas and challenging current thinking – pushing the boundaries to give you the service we can. For over 90 years, we have found that this approach works. Our service is founded on strong and long lasting relationships with our clients that are built on trust, and our clients return to us as their ‘trusted advisor’ time and time again throughout their lives.

    At Rudlings Wakelam, we do not only strive to do the things right but to do the right thing. When you become a client, we promise to:

    • provide you with the highest standards of client service
    • be open, approachable and friendly
    • treat you with respect and dignity at all times
    • work with you to achieve the best outcome for you
    • provide you with advice that is practical and clear
    • ensure that quality is at the forefront of everything we do for you
    • ensure that our fees are transparent, with no hidden surprises

    We have 3 offices across East Anglia – Bury St Edmunds, Brandon and Thetford. We have 4 partners, 25 other solicitors and support staff and offer a broad portfolio of services to our clients, whether they are individuals, businesses or organisations. We have a reputation for being a friendly, approachable and forward thinking practice that truly does provide advice through every aspect of your life.

    Quite simply providing ‘. advice for life’ .

    The Legal Buzz

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    • Agriculture
    • Company and Commercial
    • Child and Adoption Law
    • Commercial Property
    • Conveyancing
    • Court of Protection
    • Debt Recovery
    • Dispute Resolution
    • Employment Law
    • Equestrian
    • Family Law
    • Landlord and Tenant
    • Licensing
    • Litigation
    • Personal Injury
    • Family Law
    • Probate and Tax Planning
    • Trusts and Wills

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    Rudlings Wakelam take the security of our systems and data extremely seriously. However it is possible for determined fraudsters to attempt to impersonate an email from any organisation. If you receive an email or telephone call advising you that Rudlings Wakelam’s bank details have changed, do not send any money to the new account. It is extremely unlikely that Rudlings Wakelam will change bank accounts and should we do so, the change will not be notified to you by email or cold call. Rudlings Wakelam cannot accept responsibility for money sent by you to an incorrect account.

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    Top 5 Canadian Home Insurance Companies – Our Insurance Canada – Demystifying


    Top 5 Canadian Home Insurance Companies

    Chances are that purchasing a home will be the biggest investment you will make. Such an investment needs protecting. Following is a list of five of the top home insurance companies in Canada.

    Intact Financial Corporation

    Intact Financial is Canada s largest provider of home, auto, and business insurance. Formerly ING Canada, Intact Financial offers a variety of coverage plans from brokers across Canada. Customer service takes center stage at Intact Financial. Examples of this customer commitment can be found in Intact s 24 hour Claim Service Guarantee, and the fact that one out of seven Canadians has chosen Intact Financial for their home insurance coverage.

    Aviva Canada

    Aviva Canada offers home insurance that covers not only the home, but all the valuables inside it as well. Homeowners can choose a policy that fits their needs. Add on packages are available for detached buildings, and liability coverage. Home insurance premiums depend on a number of factors such as the age and value of your home, as well as the number of family units contained within. Aviva does, however, offer a number of discounts for a variety of reasons, making insurance coverage more affordable for the average Canadian.

    Industrial Alliance

    Industrial Alliance is an insurance and financial services company that was founded in 1892. Serving over three million Canadians, Industrial Alliance is the fourth largest health and life insurance company in Canada. The company entered into the auto and home insurance sector in 1973, and offers homeowners three coverage plans. Plan deductibles vary depending on coverage and range from $300-500. Industrial Alliance also offers consumers condo and single dwelling insurance.

    The Co-operators Group

    The Co-operators Group Limited is a Canadian owned and operated company that serves over $2 million Canadians and has $42.9 million in assets. Farmers wishing to take care of themselves, and their communities built the company in 1945. Today, the Co-operators Group offers homeowners a wide range of policies so that you get the right coverage for your needs. Each policy also comes with 24/7 after-hours service and convenient payment options.

    Federated Insurance

    Federated Insurance is licensed in all Canadian provinces and territories. Founded in 1920, Federated Insurance offers homeowners not only comprehensive insurance coverage, but a reputation of excellence as well. The company has been given an A (Excellent) rating from A.M. Best Company, and has received recommendations from over 50 Trade Associations and Buying Groups across Canada.

    Canadians have a number of options when it comes to home insurance. This list provides a small sampling of insurance providers, but is based on high customer ratings and usage numbers. When shopping for home insurance, it is important to search for those companies that offer plans that fit your requirements. Gather any information relevant to your coverage, and start shopping for a company that provides what you need. Your home is an investment, and you need to protect it. Whether or not you use one of these companies, having the right insurance is a crucial component to owning a home.

    Related posts:

    IRS Provides Guidance on Supplemental Life Insurance #what #is #supplemental #term #life


    Client Alerts

    Life insurance is a common benefit that employers provide to their employees. Naturally, the provision of this benefit has tax consequences, and a recent private letter ruling from the Internal Revenue Service ( IRS ) reminds employers that they must carefully structure their insurance arrangements to avoid some unexpected tax consequences when their employees purchase supplemental insurance.

    Basic Life Insurance

    Employers often provide group term life insurance to their employees at no cost to the employee, usually with a benefit equal to a percentage of base salary. Internal Revenue Code ( Code ) Section 79 governs the taxation of this employer-provided life insurance. An employee can receive up to $50,000 worth of coverage tax-free. The cost of any insurance above $50,000, less any amount paid for the insurance by the employee, is taxable income to the employee. For example, if the employer provides basic coverage of $80,000 at no cost to the employee, the employee is taxed on the cost of $30,000 of insurance. The cost of the insurance is determined under tables published by the IRS in regulations under Code Section 79. The employer is required to report the cost of insurance coverage amounts over $50,000 as taxable imputed income on the employee s Form W-2. Since this amount is treated as wages, it is also subject to Social Security and Medicare taxation (which involves a tax on both the employer and employee).

    Supplemental Life Insurance

    In addition to providing basic life insurance, employers may give employees the opportunity to separately purchase supplemental group term life insurance (and even insurance on their spouses and dependents), but entirely at the employee s expense. Giving employees the ability to purchase additional insurance, even with after-tax money, could impact the tax consequences for both the employee and the employer because all employer plan life insurance coverage (basic and supplemental) generally must be aggregated in determining how the employee is taxed. The rate that the employee pays for the supplemental insurance may be less than the cost determined in the tables under Code Section 79. Even though supplemental insurance, and any insurance on spouses and dependents, is typically paid entirely by the employee, without a clear separation of the basic and supplemental policies, the IRS views the difference between the amount paid by the employee and the Code Section 79 cost as taxable compensation because the lesser cost of the insurance (compared to the Code Section 79 rates) arises in the context of the employment relationship. However, an employer can avoid this problem by electing to treat the policies as separate if the policies are structured so that premiums can be properly allocated among the policies. By doing this, the supplemental insurance can be taken out of Code Section 79 and the employee will not be subject to tax, regardless of whether the cost is below the Code Section 79 rate.

    New Private Letter Ruling

    Private Letter Ruling 201350032 describes a typical situation and approved the steps that the employer took for the premiums to be considered as properly allocated among policies and avoid aggregation of the policies. It involves a common scenario in which:

    • Employees were provided with basic life insurance at no cost to them by the employer.
    • Employees could separately purchase supplemental life insurance for themselves (and in some cases, their spouses and dependents) through the voluntary employees beneficiary association (VEBA) that the employer uses to fund certain welfare benefits for active employees and retirees. The employees were responsible for paying the entire cost of the supplemental coverage, and payments for this coverage were taken through after-tax payroll deductions.
    • The employer added sections in its employee benefit handbooks describing the availability of the supplemental insurance and provided administrative services to the VEBA as an independent contractor, but did not perform other functions for the supplemental life insurance.
    • Even though basic and supplemental insurance coverage was obtained from the same insurance company, the insurance premiums for the basic coverage were calculated separately from the premiums for the supplemental coverage offered through the VEBA.
    • The employer is not a party to the supplemental insurance contracts, and the supplemental policies are self-supporting in that the premiums for the basic insurance do not subsidize the supplemental coverage.
    • Experience factors for each policy are developed independently, reserves are not shifted between the policies, and dividend and rate credits attributable to each policy are determined separately. Neither the basic coverage nor the supplemental coverage were considered to be permanent benefits.

    The IRS ruled that under the arrangement, the employer could treat the basic coverage and the supplemental coverage separately for purposes of applying the Code Section 79 rules. Therefore, the employees who purchased supplemental coverage would not be taxed on that coverage. The employees still were subject to tax on the cost of the basic coverage to the extent it exceeds $50,000, since that coverage was paid by the employer. In addition, employees (and the employer) would only be subject to Social Security and Medicare taxes on the amount by which the basic coverage exceeds $50,000. While a private letter ruling only applies to the taxpayer that requested it, the ruling is helpful to other employers because it describes a situation in which the IRS views the separation between the basic and supplemental policies as adequate to avoid aggregation under Code Section 79.

    Employers would not expect that employees purchasing supplemental life insurance with their own after-tax dollars could see an income tax impact from this purchase. Therefore, employers who provide both basic and supplemental insurance to their employees should review the structure in this ruling to determine if they should revise the administration of their policies in order to avoid having employee taxation on the purchase of supplemental insurance.

    Files And Links

    Reassure America Life Insurance Company #jackson #national #life #insurance #company #phone #number


    Reassure America Life Insurance Company

    Reassure America Life Insurance Company

    Jackson National Life Insurance Company today announced that it has entered into an agreement to acquire Reassure America Life Insurance Company from Swiss Re. and will pay $621 million in cash for the business, subject to adjustment by earnings before interest tax EBIT to reflect the value of the business at closing. The purchase will be financed entirely from internal Jackson resources. Reassure America will retain a portion of the SRLC business through reinsurance arrangements to be undertaken prior to completeing the transaction. The transaction is subject to regulatory approval and is expected to close in the third quarter of 2012.

    On December 31, 2012 Reassure America Life Insurance Company (Reassure) was acquired by and merged into Jackson National Life Insurance Company (Jackson). All long term disability insurance and life insurance formerly handled by Reassure will now be handled by Jackson. Throughout 2013 Jackson National Life sent notice to all reassure life disability policy holders informing them of the new ownership. It is unusual that Jackson National Life purchased Reassure, as Jackson has little to no experience in the disability insurance business. It is likely that the employees of reassure life insurance will continue to manage and administer the long term life disability insurance claims for Jackson. The merger between Jackson and Reassure should not have a negative affect on any Reassure policy holders. Jackson does not have a track record of handling disability insurance claims so we will need to see what happens over the next few years.

    Disability claimants are often seeking information regarding Reassure America long term disability reviews. We have created a forum where insurers can post reviews and comments about Reassure America short term and long term disability claims. Our attorneys respond to most comments posted by our visitors.

    As disability insurance attorneys, Dell Schaefer have represented numerous clients with their long-term disability claims against Reassure America and its affiliated companies. Disability Attorneys Dell Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from Reassure America:

    -Application for long-term disability benefits with reassurance life insurance
    -Monthly claim handling of Reassure America life insurance policies claims
    -Appeal of a Reassure America denial of long-term disability benefits
    -ERISA appeal of an Reassure America denial of long-term disability benefits
    -Lawsuit against Reassure America for denial of any insurance benefits

    Lump-sum buyout of a reassure america life insurance company long-term disability insurance policy
    Department of Insurance complaints against Reassure America for wrongful delay and denial of disability benefits
    Call us for a free consultation to discuss your claim for disability benefits with Jackson National Life Insurance Company.

    reassure america life insurance phone number 1-877-627-3618
    forms change beneficiaries
    customer service
    reassure insurance contact number

    SRLC is a reassured life insurance business that sits within the US division of Swiss Re’s Admin Re®. The primary operating subsidiary of SRLC is Reassure America Life Insurance Company (REALIC), which, since 1995, has completed a significant number of stock acquisitions and reinsurance arrangements through which it has acquired a diverse portfolio of traditional US life insurance business. The earnings of SRLC are derived from seasoned, long-duration cash flows generated principally from term life, whole life and basic universal life products. Jackson will acquire assets related to Reassure America valued at
    approximately $10 billion and approximately 1.5 million insurance and disability policies.

    5 comments to Reassure America Life Insurance Company

    St Luke s Hospice Open Garden Event, Plymouth, Devon – Gardens –

    #st lukes hospice plymouth


    St Luke’s Hospice Open Garden Event, Plymouth, Devon

    Gardens ranging from the unique and personal to the very grand are opening across the county for a very good cause.

    From April, St Lukes Hospice, Plymouth, is launching the scheme to give the public a chance to discover the beautiful, often hidden, gems of the South West. Located across Plymouth, South West Devon and East Cornwall, each garden will open up throughout the year to help raise vital funds for the charity.

    Hayley Dann, Fundraising Manager for St Lukes said: We really do have some fantastic gardens ranging from the unique and personal to the grand and immaculate grounds of some of the regions stately homes. By launching now and going through to the summer, the public will get to see the gardens at their finest.

    St Lukes Hospice relies heavily on community fundraising as Government funding covers less than 30% of its annual 5m running costs. Each year, St Lukes needs to raise at least 3.5m from the communities it serves in order to stay open. That is why public support is so very important. Organisers hope that the Open Garden Scheme will be a fresh new idea that helps to raise valuable funds whilst giving local people the opportunity to appreciate beautiful gardens, some of which they might not normally have access to.

    As well as featuring some of the most extravagant and impressive gardens in the South West, including the truly spectacular property and grounds of Gnaton Hall, Yelverton, a number of St Lukes supporters have signed up to showcase private gardens that are not normally on show to the public. Visitors will definitely be spoilt for choice.

    One such supporter is Clem Spencer, who is known throughout Plymouth for his beautiful garden. Each year, Clem opens it up in aid of St Lukes and holds an art exhibition. This gives visitors the chance to appreciate the exhibition in a tranquil space surrounded by the beauty of Clems garden. The many hours he spends preening and pruning ensures that it is always at its very best.

    If taking a stroll around magnificent gardens isnt enough, there will be art exhibitions, plant sales and the promise of much more besides meaning that there will be something for the whole family.

    St Lukes has been providing specialist free palliative medical and nursing care for patients from across Plymouth, South West Devon and East Cornwall since 1982. Staff and volunteers are passionate that patients should have dignity and choice at a time in their lives when they may feel they have none.

    There is a shared vision at St Lukes and that is to provide the very best care to all life-limited and terminally ill patients wherever their preferred place of care might be hospice, hospital or home. It is fundraising initiatives such as the Open Garden Scheme that help to make that vision a reality.

    A brochure, complete with dates and details for each garden involved will be available soon from the charitys website. So, this year, why not support St Lukes and take the opportunity to walk around some of the South Wests most exquisite gardens you will be assured of a warm welcome!

    Pamela Tibbs, 6 Ridge Park Rd, Plympton, Plymouth

    Contact: Lorna Baker 07917233350

    Why young adults need (or don’t need) insurance #young #adult #life #insurance


    Melissa Leong
    Saturday, Jul. 20, 2013

    Young consumers are the least likely to own insurance, a survey suggests. Jordan Mansfield/Getty Images

    Life insurance isn’t an easy thing to talk about. There are probably innumerable things that people would rather do than discuss insurance, such as laundry or dental work.

    Even those with life insurance told a TD Insurance survey that they think it’s too complicated or they’re bored with it.

    It can be overwhelming,” Dave Minor, vice-president of retail and wealth distribution at TD Insurance admits.

    Major milestones often prompt people to think about life insurance: getting your first job, buying your first home, getting married or having children.

    Seventy per cent of Canadian fathers have a life insurance policy and 40% bought or upgraded their policy when they got married; 76% did when they became a parent, a recent RBC Insurance survey reveals. But almost 40% of them have no clue how much the policy is worth or how much they need.

    Gen Y consumers are the least likely to own life insurance. But four in 10 Gen Y households say they would have immediate trouble meeting everyday living expenses if a primary wage earner were to die, says LIMRA’s 2010 Life Insurance Ownership Across the Generations study. But a third of American respondents say they were likely to buy life insurance in the next year.


    So here are a few truths, followed by some pertinent questions to help you sort through the issue (folding towels can wait):

    Unless you are an immortal vampire, you’re going to die. Do you want to leave anything to your loved ones?

    No one wants to think about dying. But let’s just say for example that you suffer a fatal allergic reaction to garlic; who would your sudden passing affect financially?

    You might want to consider getting coverage to settle your debts (your mortgage for example), pay for your farewell party and maybe leave some money to take care of your loved ones.

    However, despite what anyone says, you might not even need life insurance. If you don t have kids and you don t have a spouse, then maybe it s not necessary, says Sandi Martin, a 34-year-old fee-only financial planner. “If nobody is depending on you for your income and you die, then what do you need to replace?

    The money you’d put to monthly insurance premiums might better serve you invested in a tax-free savings account, for example.

    Unless you have a crystal ball or a hot tub time machine, you will not know when or if a life event will suddenly make you uninsurable or subject to way higher premiums. If you don’t feel the need to leave your parents anything, think ahead for a moment. Will you have a spouse and/or kids at some point?

    If so, are you okay with the risk that you may not be as mega fit as you are now?

    “If [people] want to buy it in 10 years, they do run the risk of no longer being healthy,” says Alec Blundell, an assistant vice-president at Co-Operators Life Insurance Company. “But I recognize that people in their 20s don’t like thinking about those concepts and do put it off.”

    Last year, Rebekah Brinks, a 32-year-old supply teacher in Simcoe, Ont. was diagnosed with ovarian cancer. They caught it early and the mother of two is recovering. However, she laments that she was unable to get the kind of life insurance coverage that she wanted for her family; so she’s going to wait until she’s been cancer-free for five years and apply again.

    “I was healthy too and there was no [history] of ovarian cancer in my family. It was a bizarre thing that came out of nowhere,” she says. “So for the next five years, if anything happens, that’s a burden that my husband has to deal with.”

    The earlier you buy, the cheaper the monthly premiums will be and the longer you’ll be able to lock them in at that price. Term premium rates increase in increments, every 10 years for example.

    For example, for a healthy, non-smoking 25-year-old, $250,000 worth of life insurance coverage for a term of 25 years would cost $25.65 a month, Mr. Blundell says. For a healthy, non-smoking 35-year-old, the same coverage would be $34.20 a month.

    Also, if you think one day that you might consider taking up extreme sports, get life insurance long before you start. (Some insurers will ask if you have any intention of participating in hazardous activity in the next two years.) Your daring hobbies could ratchet up your monthly premiums. “Life insurance is not automatic. You do have to qualify for it. Your qualification and cost are going to depend what type of risk you are,” Mr. Minor says.

    Unless your parents are the Kardashians, you might not receive a big inheritance. Would your parents consider arranging for a life insurance policy, having you pay the premiums and requesting that you be designated as the beneficiary?

    (Whenever I mention this, my future mother-in-law thinks I’m conspiring to murder her for money.) Be warned, however, the premiums on an older individual are more costly.

    “Last week, I settled a case with two brothers and their 60-year-old father,” says Mark Halpern, a certified financial planner and president of illnessPROTECTION.com. “They bought some insurance for the father. It was a small [universal life insurance] policy for $100,000; but the brothers are paying the [$2,000 annual] premium between the two of them…in order to inherit or have money to pay for final expenses.”

    Insurance is a good way to get tax-free dollars to beneficiaries, he added. He gave the example of parents who bought a cottage for $100,000 and its value has grown to $500,000.

    “On their death, there’s going to be a $400,000 capital gain. There are going to be taxes of $100,000. Unfortunately families either have to come up with that money and it might not be liquid or available from the estate or they have to borrow money. The saddest part is people actually have to sell the asset in order to get the money to pay the taxes. That’s where life insurance is the most cost-effective and flexible tool.”

    Unless you are Superman, you’re not bulletproof.What if you got injured or sick and were unable to work?

    This is where disability insurance could help.

    A small percentage of term life policies ever get paid out. However, people have a much bigger chance of becoming injured, which is why disability insurance tends to be pricier.

    “You re still in your 20s or 30s and you ve had a bad accident. You re off work and you have no income or limited income but you still have financial obligations because you have to pay your mortgage. It s a big burden to take on,” Mr. Minor says. “[Insurance] will help offset that burden and let you focus on your rehabilitation or recovery.

    You re five times more likely to suffer an illness before the age of 65 than you are to die before 65. If you purchase a $100,000 critical illness policy and you get cancer or suffer a stroke, for example, the insurance company will pay you that amount to do with as you wish.

    NUKINFUTS Gemini – How to get banned from Summernats! #nickinfuts, #steve, #nogas,


    Это видео недоступно.

    NUKINFUTS Gemini – How to get banned from Summernats!

    Опубликовано: 8 янв. 2012 г.

    All right guys, things got a bit heated yesterday and people started posting personal details and threatening violence. I’ve never had to shut down comments before, but I had to do it yesterday. I’m opening up comments again, but keep it sensible please. If it gets stupid again, I’ll shut it down for good.

    Okay guys, this is a very controversial topic. Here’s the unedited footage of the Steve Nogas incident.

    What seems to have happened is that the driver Steve Nogas was told he was disqualified for reason stemming back to his qualifying burnout (disobeying a fire mashal), he forced his car through a group of officials and on to the track, and after the burnout he was escorted from the track and his car towed away.

    Could have been handled a little better from both sides, but forcing your way on to the track is definitely the wrong way to go.

    I’ve posted this video to provide a little clarity to the incident.

    Summernats statement 11/01/2012


    11 January 2012

    There was an incident at the burnout track on Sunday 8/1/12 involving entrant Steve Nogas in NUKINFUTS. Steve was seen to forcibly drive his car through officials who were instructing him not to drive at the time, and then did an unauthorised burnout.

    He was removed by security at the end of his drive and was immediately given a life-time ban by management.

    The incident was witnessed first hand by Summernats management including the owners.

    The owners said “We made the immediate life-time ban decision for two reasons. The first and most important reason was we saw a guy place our burnout management team in great physical danger. We were very upset by that. Second, we were furious that all our efforts to establish burnouts as a legitimate motor sport could have been ruined in one moment. This is not just about the Summernats. There are a lot of people out there who want to see burnout events banned across Australia, and all competitors and event promoters alike have a responsibility to protect this awesome sport.”

    Summernats management has reviewed both the incident and the punishment post event, consulting the rules and taking submissions from burnout track officials and the driver.

    Following this process, the Summernats have revised their decision and have released their official position.

    “Steve Nogas’ life time ban has been suspended on review. He is however banned as an entrant from Summernats 26. As such, Steve is ineligible to enter as a competitor at Summernats 26. However, the Burnout Chief Marshall has invited Steve to make amends with the burnout crew and work alongside them at Summernats 26. This will give Steve a better appreciation of the issues facing officials managing this sport.”

    Summernats gave the following reason for the review.

    “Our own assessment of the rules led us to the opinion there was no explicit statement about life bans for such behaviour. As such, we felt it was only fair to review the decision. We took into account the fact that Steve has since been extremely apologetic about what he did and has accepted complete responsibility for his actions. He has made several public and private statements expressing his regret. We also considered the intent of his actions. Whilst the consequences could have been severe, we accepted Steve’s statement that there was no intent or premeditation to his actions. The one year ban is a consensus decision between Summernats management and the burnout competition chief steward. Steve has gratefully accepted this decision.

    “The Summernats stands by the actions of our burnout crew. Our crew do an incredible job under very trying conditions. Their primary mission is to maintain the safety of competitors and the audience. Our burnout crew do a superb job and should be commended for their professionalism.

    “We have learnt important lessons from this incident, and Summernats will be taking a number of measures to ensure this doesn’t happen again.”

    Steve Nogas says, “What I’ve done there is totally out of character for me and totally wrong for any entrant to do. I’m deeply sorry for the way I conducted myself.”

    Summernats management stated, “We want to be very clear. The only reason we re-considered the decision was that our rules were not explicit on life-time bans. Moving forward, the rules will be very explicit. If a driver deliberately and maliciously ignores the instructions of officials on the start line of the burnout pad placing them and the competition in jeopardy, that driver will receive a life-time ban. Apologies after the fact will not be considered. Now we all know the rules, and these will be very clearly laid out in the Participation Guide for Summernats 26 and beyond.”



    Hospice care can increase life expectancy #help #the #hospices #jobs

    #hospice life expectancy


    Hospice care can increase life expectancy

    by Emily Nelson
    Apr 18, 2013

    More than 44 percent of Americans with less than six months to live choose hospice care, and 97 percent of those people choose home hospice care, according to a recent study conducted by the National Hospice and Palliative Care Organization.

    Hospice care is designed to focus on comfort and quality of life, rather than a cure, for dying patients. The proportion of dying patients who used hospice care rose from 21.6 percent in 2000 to 42.2 percent in 2009.

    While most of us prefer to avoid the topic, how we choose to spend our final days could quite literally be a matter of life and death. Planning ahead can be crucial to making hospice care available as soon as someone needs it.

    “There are studies to the effect that show if you are in hospice care your life expectancy is longer than if you are not in hospice care,” Chicago hospice nurse Steve Wren said.

    The New England Journal of Medicine published a 2010 study on terminally ill lung cancer patients that showed those receiving palliative care had a better quality of life and lived an average of three months longer than those who did not seek palliative care.

    Palliative care focuses on relieving a patient’s suffering in all disease stages, and it often goes hand in hand with hospice care. It includes a team of medical professionals addressing physical, emotional, spiritual, and social concerns for patients suffering from a serious illness.

    Terminal illness sometimes gives people the freedom to go off medications and remove some of the symptoms and side effects.

    Wren said that, in many cases when patients are taken off medications they are on for conditions such as high cholesterol to osteoporosis, the patient improves. “You have a 90 year old who is taking a mass amount of medications, you go through that list and you say, do we really need to be worrying about osteoporosis with someone who has terminal colon cancer? Probably not.” Wren said.

    Journey Care Hospice in Barrington is a nonprofit hospice care that provides inpatient 24-hour care. Communications Specialist Lisa Encarnacion said the decision for a patient to elect inpatient hospice care is “basically based on the doctor recommendation and around the clock care is required.”

    Hospice is covered by insurance. The national hospice organization reports that the percentage of hospice patients covered by Medicare’s hospice benefit versus other payment sources was 84.1 percent in 2011.

    The Medicare Payment Advisory Commission reported that Medicare spending for hospice has increased from $2.9 billion in 2000 to $13 billion in 2010. Medicare costs associated with home care are significantly lower than inpatient hospice. The Center for Medicare and Medicaid services published 2013 daily hospice payment rates of $153.65 for home care and $682.59 for inpatient care.

    An independent study conducted by Duke University revealed that home hospice saves Medicare over $2,300 per patient on average.

    A 2009 study by the Health Services Research and Development Service reported that the final 30 days of life accounted for 78 percent of a person’s lifetime healthcare costs. Those who had end-of-life discussions, including the decision to seek hospice care, consumed costs 35 percent lower than those who did not.

    The Journal of the American Medical Association published the study that also concluded that 80 percent of those terminally ill would prefer to die at home. However, it is unclear whether home care has an impact on a patient’s longevity over inpatient hospice, according to the study.

    A European study conducted by Rand comparing home hospice to inpatient hospice concluded that prognosis is not affected by place of care. However, Wren disagrees. “In my experience they do tend to live a little bit longer and a little bit more comfortably inpatient,” Wren said.

    Whether or not those in the end stages of life choose to die at home or an inpatient setting, having the discussion can provide peace of mind to family members, Wren said. “I think you are going to see more people making good end of life choices and that they talk about what they want those choices to be,” he added.

    ©2001 – 2014 Medill Reports – Chicago, Northwestern University. A publication of the Medill School .

    Cotswold Care Hospice – Places – Cotswold Life #aseracare #hospice

    #cotswold care hospice


    Cotswold Care Hospice

    Cotswold Care Hospice

    Cotswold Care Hospice marked its 25th anniversary with a reception to thank volunteers, supporters and staff. More than 100 people enjoyed Pimms and canaps in the hospice gardens in Minchinhampton.

    Among the guests were Countess Bathurst, vice president of Cotswold Care Hospice, and Barbara Curd, one of the founding members of the hospice 25 years ago.

    Every year Cotswold Care Hospice helps more than 500 people with life-limiting illnesses and their families. All of its services are provided free of charge.

    Photography by Gavin Crill, Thousand Word Media

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    Cotswold Care Hospice

    Nestled in the valley between Broadway and Cheltenham, the charming town of Winchcombe is famous for its Cotswold stone cottages, narrow side streets and delightful independent shops. Take a look at our guide to help you make the most of your visit to this historic town that s bursting with character.

    Lynne Ede visits the Gloucestershire town of Newent ahead of its annual extravaganza

    Lavender has proved an unexpected tourist attraction for one Cotswold farmer

    Tuesday, August 23, 2016

    In celebration of the 50th anniversary of the Cotswolds as an Area Of Outstanding Beauty, there s plenty going on to fill the end of the school holidays with fun and activities

    Tuesday, August 16, 2016

    Gloucestershire s Charlotte Dujardin retains her Olympic title, whilst posting a new Olympic record with her dancing partner Valegro at Rio 2016

    Monday, August 15, 2016

    Pick your way through a moonscape of rocks and crags and you ll find some amazing wildlife in Gloucestershire

    Monday, August 8, 2016

    When the race is run a plethora of events flock to Cheltenham Racecourse, as Tracey Spiers discovers

    Whole Life Insurance vs #universal #vs #whole #life #insurance


    Whole Life Insurance vs. Universal Life Insurance

    When you hear the phrase “permanent life insurance” what comes to mind?

    Generally speaking, there are two primary types of permanent life insurance coverage:

    In some ways, these two types of coverage appear to be identical. However, as you dig into the finer details, you’ll find that there are many differentiating factors.

    Let’s start here: since these are both considered permanent life insurance policies, they are designed to remain active during your entire life. Unlike term life insurance, neither one of these will expire after a particular period of time (such as 15 or 20 years).

    With that out of the way, it’s time to learn more about each type of policy. Here are two points to get started:

    • Whole life insurance has a fixed premium (and death benefit), allowing you to pay the same amount every year. Also, this type of policy can accumulate cash value.
    • Universal life insurance has a flexible premium, meaning that you have the opportunity to adjust how much you pay by the year. For example, you can access the cash value as a means of lowering your premium payment.

    The Benefits of Both

    By now, you should be getting closer to understanding what type of permanent life insurance is best for you. Now, we need to talk about the benefits of both. Let’s start with whole life insurance:

    • Opportunity to pay the same premium, year in and year out.
    • Ability to take a loan against the policy.
    • Tax-deferred cash value growth.

    Here are some of the primary benefits of universal life insurance:

    • With cash value, you may be in position to lower your premium payment or skip a payment altogether.
    • With some companies and policies, you can increase or decrease your death benefit as you see fit.
    • You can borrow against the cash value of the policy.

    Are these Identical?

    Are you beginning to get the feeling that whole life insurance and universal life insurance are one in the same? It’s easy to see why you may think this, but there are some key differences to keep in mind as you compare policies:

    • Universal life insurance has more flexibility in regards to using the cash value to lower your premium or skip payments.
    • Whole life insurance has level premiums, a set death benefit, and greater potential for growth.

    These two differences, along with the benefits and other details listed above, go a long way in showing that these types of policies are not the same.

    How to Make a Decision

    Only you know what type of life insurance is best for you. Only you know how much you can afford to spend and what you need to get in return.

    Making a decision is based on many factors, including but not limited to:

    • Your preference based on the pros and cons of each policy type.
    • Your financial approach and budget.
    • The goals that you have set for yourself and your family.

    Here are some questions to answer that can help you make a decision:

    • How much money are you able to spend on life insurance?
    • Are you interested in a policy that remains unchanged from the day you buy until the day you pass on?

    Which One is Best?

    There is no denying the fact that whole life insurance is more popular than universal life insurance. This isn’t to say that a universal policy provides no benefits, but this type of coverage is not nearly as common.

    Most consumers find that whole life insurance is easier to purchase, as more companies offer this type of policy. Along with this, they enjoy the fact that they can obtain coverage with a death benefit and premium that remains the same. Furthermore, the ability to earn cash on an annual basis helps make these policies even more appealing.

    With all that being said, whole life insurance is typically the better choice for most consumers.

    Whole Life Categories