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Posts Tagged ‘Life’

The Policy That Secure Your Life

When you buy a Medicare insurance to ensure your healthcare system you should know that it cannot cover each and every cost of your expenses on health. Yet there is a chance to manage the costing by planning a proper Medicare supplement plan. The Medicare plan which you get as a governmental service can be supplemented with other Medicare supplement insurance that altogether can give you a complete safeguard during the time of emergency.

Since there is a vast change found by President Obama’s policy for Medicare insurance plans it’s time to think of changing your healthcare plan, too. You can get a sense of security and economic stability through Medicare supplement plans. The facilities you get from your Medicare plan does not cover the whole cost of the expense of your medical services. In fact those who are under a long run treatment often need to change prescriptions. Not only that, staying in nursing facilities, co-payments, in home care and hospital visit altogether costs a lot that never is covered by a Medicare insurance plan. You of course a Medicare supplement insurance to secure this kind of situations. Many Medicare supplement insurance companies provide with permanent group of doctors and hospitals in their service list to their clients so that you can avail them any time when you need to. In addition to that, they pay for prescribed medicines as well as for some selected medical equipments.

You can easily find out the best Medicare supplement plan for you if you work out a bit methodically. Try to get the contracts of the agents of the Medicare supplement insurance companies so that they can provide you the details of their Medicare supplement insurance policies. It’s not tuff to get the best Medicare supplement plan among their offers. It would be easy for you if you concentrate on the attitude of the agents during interactions. Those who cannot explain their schemes easily would be black listed first. Again, some agents may ask to find out the quote of their company from their website. Do not go for them. Those who have a simple method of interaction like a phone number and email address along with a smart representation of their company quotes can be short listed. While compare between Medicare supplement plans you can check out the reputation of the Medicare supplement insurance companies so that you can find out the best Medicare insurance plan for you. You may find Medicare supplement insurance broker guide who can suggest you the best and can also work behalf of you.

There is another option open for you. You can find many companies offer their service online. What you have to do is to register online to them to know their Medicare supplement insurance policies. Once you get register with them, they would offer you their contact details like the office address and phone number so that you always would be able to find out whether the company is fake or not. It’s not really very hard to find out the best Medicare insurance plan for you!

When Your BMI Increases, so Does Your Life Insurance Rate

Life insurance is the ideal way to provide for your family when you are no longer around to provide for them. It is a great way to show them that you really care. However, too often we end up paying higher premiums on our life insurance, forcing us to compromise on the death benefit. One of the most common reasons behind higher premiums is higher Body Mass Indices or BMI’s. Let’s learn more.

Why a high BMI will increase your life insurance rate
BMI is a body fat ratio that is derived out of your height and weight numbers. According to The Centers for Disease Control and Prevention a BMI of 30 or more is considered obese, and a BMI between 25 and 30 is considered overweight.

Let’s understand the impact of a high BMI:

  • During a recent study, researchers found that men and women with BMI’s between 22.5 and 25 have the longest life spans.
  • High BMIs are associated with serious health risks such as cancer and heart disease and can seriously shorten your life span.
  • A BMI between 30 and 35 can reduce your lifespan by 2-4 years, and BMIs between 40 and 45, can reduce life spans by up to 10 years.

Life insurance companies make the most revenue out of people with longer life spans. They value healthy customers who are able to pay premiums well into their retirement years, than those who die from illnesses in their younger years.

A low BMI will therefore increase your life span, but a high BMI will cost you higher premiums. Those who have higher BMI’s should therefore work on bringing it down.

How to get your BMI down and qualify for a better life insurance rate
If you have a high BMI and want to qualify for better premiums, the only way out is to bring down your BMI. However, there is no quick-fix method of doing this. Further, life insurance purchases should never be put off. So as a first step, go ahead and buy a policy at a high rate. Term life policies are cheaper than whole life policies and just as effective. If you are serious about bringing your BMI down, get yourself a term life policy that will cover you for about 5 –10 years, which is a more than enough time period to bring your BMI down.

Once your life insurance policy is in place, you need to get serious about bringing your BMI down. Simple health, lifestyle and diet changes will make a huge difference. Remember to be consistent and most importantly, keep a record of your progress, along with supporting medical records and notes from your physician. They will all come in handy when you reapply for life insurance later. They will serve as proof, and assure the underwriters that you are serious about your health and are doing all you possibly can to improve it.

Wait for a span of 2 – 3 years, and if you are able to show consistent results, reapply for a policy.

Enjoy a better, longer life with a lower BMI
The associations between mortality and BMI & morbidity (ill health) and BMI are real and cannot be ignored. One needs to be more careful especially one you are in the market for life insurance. The Life insurance companies consider those who are able to keep their BMIs low for longer periods as their best customers. So remember to maintain your healthy lifestyle throughout your term. A lower BMI will not just guarantee you a lower premium; it will also keep you healthy and give you a better quality of life. Your family will stand to gain the most by having you around for much longer!

About Author

About AccuQuote:
AccuQuote is a leader in providing term life insurance quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term insurance as easy as possible for its customers.

Selling voluntary dental shouldn’t be like pulling teeth.: An article from: National Underwriter Life & Health

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This digital document is an article from National Underwriter Life & Health, published by The National Underwriter Company on November 29, 2004. The length of the article is 1070 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Selling voluntary dental shouldn’t be like pulling teeth.: An article from: National Underwriter Life & Health

Bobbi Brown Beauty Rules: Fabulous Looks, Beauty Essentials, and Life Lessons

Product Description
From best-selling author and famed makeup artist Bobbi Brown comes this definitive beauty book empowering teens and twenty-somethings with age-appropriate makeup tips, style secrets, and self-esteem boosters. Emphasizing natural beauty, Bobbi advises on the best products and tools for keeping skin of every type flawless, and shares step-by-step techniques for getting the prettiest hair, eyes, lips, and nails. Stunning makeovers inspire looks for school, parties, int… More >>

Bobbi Brown Beauty Rules: Fabulous Looks, Beauty Essentials, and Life Lessons

What is a Life Insurance Special Events Benefit?

Most New Zealand life insurance plans include a free feature called a “Special Events Increase”. This can be a vital part of life insurance – we’ll take a quick look at how it works.

Let’s say you have a life insurance policy that is worth $400,000. Then, because you have increased your mortgage, you want to increase your life insurance by $100,000. Usually, in this situation, you would need to provide information about your current health to the insurer (by completing a new application). The insurer would then assess this information and increase your cover. Often this is simple, however if you have experienced any health issues since you originally started your life insurance, the insurer might not allow you to make the increase (or they might allow the increase, but only at a much higher than usual premium). The reason for this is that any increase is treated by the insurer as a brand new application – which they might or might not approve.

However if your policy has a “Special Events” benefit, you can increase your cover without having to provide any health information at all to the insurer. So you’d simply make a request for the insurer to increase the insurance, and you wouldn’t have to complete an application form. And the most important part is that even if you’ve suffered a health issue, the insurer can’t deny your increase, or charge you higher than usual premiums. Even in situations where a person has become very ill, the Special Events benefit means that they are guaranteed to be able to increase their cover if a special event arises (typical special events are taking out a mortgage, having a child, moving house etc).

Special Events benefits have some limitations – there is usually a cap on the amount of the increase you can make, and people over a certain age are not eligible – however this can be an extremely useful benefit. So, if you’re thinking about starting a life insurance plan, make sure any plan you’re considering includes this.

About Author
Find expert advisory services, quotes and more from Newzealand’s top providers

Are You HIV Positive And Looking For Life Insurance

As of 2005, there were 58,000 Canadian residents surviving with HIV/AIDS. Traditional life insurance is usually not available to members of the public who have immune system abnormalities, including HIV. However, life insurance coverage is out there from guaranteed issue providers and many simplified life insurance providers.

Guaranteed issue plans has no medical examination and no health queries. Due to there being no health queries, then you don’t have to state you suffer from an immune disorder. Unfortunately this doesn’t mean it’s all great news and I will tell you why:

  1. To start off with expect to pay large policy contributions.
  2. the accessible face amounts are tiny.
  3. The protection has a two-year waiting period. In this instance the best payment you can hope for is the return of the premium payment with interest. That is if the insured dies within the first two years of a non-accidental death.

The other choice is a simplified issue life scheme, whilst no medical exam there are up to 12 health questions on the application. With higher face amounts and less expensive payments this type of scheme is better from the monetary side. Be aware though that some of these plans still have a waiting time of up to 2 years, though a few will pay out straight away. The two top providers of simplified life insurance schemes in Canada are Assumption Life and Canada Protection Plan. With regard to questions about HIV or AIDS then the differed term policy and the deferred life policy from Canada Protection Plan are the most user friendly.

“Within the past three years, has the insured been treated for unusual chronic infection, including HIV and AIDS?” – this is the inquiry on the deferred Life scheme. While the Canada Protection Scheme for deferred term asks: “Within the past three years, has the insured been diagnosed with or started treatment for unusual chronic infection or immune system abnormality, including HIV or AIDS?” – this scheme is even better for the potential purchaser and has $100,000 of coverage.

Lorne Marr PhotoAbout Author
Written by Lorne S. Marr of LSM Insurance. LSM Insurance works with 13 different insurance companies, such as Manulife Financial Life Insurance and Sun Life Insurance and many more.

Never Cancel An Existing Life Insurance Policy Until A New One Is In Force!

Life insurance is a very necessary purchase, and chances are, you already own a policy. The current life insurance rates are at near record lows. Most people, who bought their policies several years ago, are actually paying higher premiums than they would pay if they bought a policy now. It is a good time to review your policy and replace it with one that costs less and provides better protection.

When most people consider replacing policies, they first think of canceling their old policy, before shopping around for a new policy. It is a psychological reaction, because they feel they will be stuck paying premiums for two policies instead of one. However, one must never cancel an existing life insurance policy until a new one is not only bought, but is in force.

The importance of understanding what “in force” means.
What does “in force” mean? It means that your policy is active, and your first premium is paid for. Most consumers think that they can cancel an existing policy and then start looking for a new one, or when a new life insurance carrier approves them for a new policy. However, your new policy will come into effect only when your first premium is in place. Applying for a policy is not an assurance that your policy has been approved, and receiving intimation that your policy is approved, is not enough. It is merely an offer by the life insurance company, and will come into effect only when you accept the offer by paying the first premium.

Why wait until a new policy is in force, before canceling an existing policy?
– When you don’t wait until your new policy is in force, you remain uninsured for a certain period of time, between policies. This is a big risk, because should you die unexpectedly during this period, your loved ones will be left unprotected.
– You may not qualify for a good rate on the new policy, or may even be declined a policy. You may have bought your existing policy a long time ago, when you were in good health. If your health has deteriorated since then, it is possible that your premiums may not be as low as you expected them to be. You may in fact regret letting go of your earlier policy in haste.
– New policies are totally different, and come with new riders and options, but chances are that when your new policy comes into effect, you will realize that the riders on the policy you just let go, in fact gave you unbeatable value. In this case, you can’t go back to the older policy, and you will have regrets.

The conversion feature is a great alternative to buying a new policy
If your health has declined since you first purchased your policy you may have trouble getting a new policy. In spite of poor health, you may still qualify for a new term life insurance policy at good premiums and coverage, but it is fairly certain that your premiums will dramatically increase when your level term period comes to an end.

In this case, term conversion is an attractive option. It allows you to convert your existing term life insurance policy to a permanent one, without having to prove insurability. This takes care of you even if your health has deteriorated, and the new premiums are guaranteed for the rest of your life. However, the option should be exercised no later than a certain age, and conversion premiums depend on your age at the time of conversion; so the earlier you convert, the better.

Think your options through before canceling an existing policy
Life insurance decisions should never be made in haste. You will probably be able to beat the rate on your existing policy by shopping around. Your family comes first, and you owe it to them to act responsibly, and make sure you are covered at all times.

About Author

About AccuQuote:
AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term insurance as easy as possible for its customers.

Adding Total And Permanent Disablement Insurance to Life Insurance

With a normal life insurance plan, the cover is very straight-forward – if the insured person dies or is terminally ill, the claim will be paid by the life insurance company. This means that the insured person’s family is protected if the insured person dies or is terminally ill.

However for many people it’s also important to add cover so that there is a payment if the insured person does not die – but suffers a major health problem and cannot work. One option that is commonly added to life insurance is “trauma” insurance (which pays out a lump sum payment if the insured person experiences a “trauma” condition – certain forms of cancer or a heart attack for example). Another common type of insurance to add to life insurance is “total and permanent disablement” insurance. We’ll take a quick look at how this works.

As the name suggests, total and permanent disablement insurance is designed to pay out if the insured person is so disabled that they are never again able to work. The sum is usually paid out as a lump sum (as with life insurance you can choose the amount you are insuring at the time you take out the policy).

The exact definition of “totally and permanently disabled” can vary a lot between different insurers and policies. With some policies the definition will be based on the insured person being unable to ever again perform their usual occupation. This tends to be the best approach, and gives the client the greatest certainty. With other policies, the insurer might demand that the insured person is not only unable to perform their own occupation, but any similar occupation that they might be suited to. This definition is not as good for the client – as it could make claiming considerably harder. So, if you are considering adding total and permanent disablement insurance to your life insurance, it’s important to check which definition the plan you’re considering is using.

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