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Why Should You Insure Your Life? Posted By : David Mayer
There are many words like “should” and “ought” we use to tell ourselves and the world around us that we have obligations. There are other words to tell us what we want and need. When we put together all the pieces in a decision, we choose to do things when we have needs we cannot satisfy in any other way. So where do we start? It all starts with the word “I”. There is always a “me”, and what I have is “mine”. This is selfish. It may not be pretty, but nature has built it into us to help us survive.

Public Attitudes towards Life Insurance - Part 1 Posted By : Mike Armstrong
When the Human Genome Project officially began in 1990, the first social concern to generate widespread interest was the possibility that health insurance companies would use predictive genetic information to charge individuals higher rates or to exclude them from coverage.

Long-Term Care and Life Settlements Posted By : Derek Wilsey
As the number of baby boomers heading towards retirement begins to increase subsequently so will the need for long-term care. Long-term care provides services that act as an essential support system for many senior citizens who require assistance with daily living activities. The article examines life settlements as a practical option for those burdened with the high costs of Long-Term Care.

Group and Social Insurance Posted By : Mike Armstrong
The process of forming contracts depends, of course, on the nature and relationship of the contracting parties. Voluntary individual insurance, under which contracts designed by insurers without significant constraint are offered to the public, is only one of several relationship structures that could be employed.

Life Settlement Market: Explanation and Overview Posted By : Derek Wilsey
The life settlement option has created a secondary market for life insurance policies in which policy owners can receive a fair market value for their policies. In the past policy owners who no longer wanted their policy had the option to either… The article provides an overview of the life settlement market and explains the roles of different industry participants.

A Few Tips About Term Life Insurance Posted By : David Mayer
The article looks at the basic steps you should take when buying a life insurance policy. Always get quotes for the same death benefits over the same term, and standardize the instalments. Dont be tempted by fancy offers and get the right to renew at the same premium.

Why your Life Insurance Premiums is Increasing Posted By : Billy Leverton
Have you ever thought why your life insurance premiums rising? There are many factors for that. Someone with good health and lifestyle, their life insurance is normally lower. On the contrary, if some body with bad health and poor life style, he will obviously be paying more for their life insurance premiums.

What To Do If You Run Your Own Business Posted By : David Mayer
Almost everyone understands the idea of life insurance. You pay a premium. When the life insured dies, the insurance company pays out to the beneficiaries. That works well in the many cases where the life insured is employed. But those who run their own businesses, whether as sole proprietors, partners or majority shareholders in a corporation have slightly different needs. The article looks at the use of buy/sell agreements linked to life insurance policies to maintain a business after the death of a sole proprietor, partner or major shareholder.

Overweight And A Smoker - WOW! Are You In Irouble! Posted By : David Mayer
According to the National Health and Nutrition Examination Survey (NHANES) 2001 to 2004, about two-thirds of adults in the U.S. are overweight and almost one-third are obese. The article confirms that those who are overweight and smokers pay significantly higher premiums for life insurance. The only remedy is to quit smoking and lose weight.

Mortgage Life Insurance - Buying Your First Home Posted By : Donald Lusan
Consider mortgage life insurance when you buy your first home. Everyone will likely agree that purchasing your first home is one of the most important decisions you will likely make. Many thoughts go through your mind at this time. You look forward to living in the house you are about to buy, you furnish and decorate it in your mind, you are satisfied that that is what you want to do, but you also wonder if you are doing the right thing.