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The Story Behind The Successful Billion Dollar Industry of Life Insurance Settlement

The billion dollar industry of life insurance settlement had been around for quite some time now. Many are saying that the industry boomed during the 1980’s when the disease aids claims many infected people faced an extremely short life expectancy and most of these people owned a health insurance policy and it was under these circumstances that the first viatical life settlement occurred and further became life insurance settlement or senior settlement. But when we look further back in 1911 in the United States, it is the year where the first viatical settlement transaction takes place. Dr. A.H. Grigsby treated a patient and his name is John C. Burchard. Mr Burchard needs a particular surgical operation and offered to sell Dr. Grigbsy his life insurance policy in return for $100 and for agreeing to pay the remaining premiums. Dr. Grigsby agreed and that is where the first viatical settlement transaction was born and today it became a billion dollar industry.

The success of the life insurance settlement industry is not a secret that cannot be exposed. The main reason for its success is that the transaction itself. In a life settlement, all of the parties especially the seller of the health insurance policy will benefit the transaction, even the insurance company because the premium of the policy will still be paid and because insurance companies likes it better when their clients policy will not lapse. But then again, the people who made the right choice of having a life insurance settlement can have a nice retirement and enjoy his/her remaining years or even decades with loved ones and family. The life insurance settlement industry and life insurance Company like MaxLife Solutions are making sure that you get the most out of your life and became financially prepared especially during your retirement age.



The Story Behind The Successful Billion Dollar Industry of Life Insurance Settlement

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The Story Behind The Successful Billion Dollar Industry of Life Insurance Settlement

Published by: Seo Majesty (31) | Word Count: 302 | Comments: 0 | Article Views: 393


The billion dollar industry of life insurance settlement had been around for quite some time now. Many are saying that the industry boomed during the 1980’s when the disease aids claims many infected people faced an extremely short life expectancy and most of these people owned a health insurance policy and it was under these circumstances that the first viatical life settlement occurred and further became life insurance settlement or senior settlement. But when we look further back in 1911 in the United States, it is the year where the first viatical settlement transaction takes place. Dr. A.H. Grigsby treated a patient and his name is John C. Burchard. Mr Burchard needs a particular surgical operation and offered to sell Dr. Grigbsy his life insurance policy in return for $100 and for agreeing to pay the remaining premiums. Dr. Grigsby agreed and that is where the first viatical settlement transaction was born and today it became a billion dollar industry.

The success of the life insurance settlement industry is not a secret that cannot be exposed. The main reason for its success is that the transaction itself. In a life settlement, all of the parties especially the seller of the health insurance policy will benefit the transaction, even the insurance company because the premium of the policy will still be paid and because insurance companies likes it better when their clients policy will not lapse. But then again, the people who made the right choice of having a life insurance settlement can have a nice retirement and enjoy his/her remaining years or even decades with loved ones and family. The life insurance settlement industry and life insurance Company like MaxLife Solutions are making sure that you get the most out of your life and became financially prepared especially during your retirement age.

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Life Insurance Settlement , Viatical Life Settlement , Insurance Settlement .

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Seo Majesty has published 31 articles. This article published on Apr 30th 2010 07:50:49 PM

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Beauty Schools – A Sure Bet For A Successful Career

Those interested in having a bright career have a great option of joining a beauty school and graduating in cosmetology. By getting specialized training you can enjoy a career track that has tremendous opportunities and scope.

You gain a lot by attending a beauty school in America. Beauty schools provide hands on education. They are best source of learning for the fashion forward, since they adapt to constantly changing trends and fads.

Beauty schools offer different programs, program duration and schedule. Basic training in coloring, shampooing and styling is offered across the board. Other courses including makeup, nail care and skincare are also offered by many beauty schools.

Students joining beauty schools get wide choices as regards program length and part- time or full-time schedule. Students, who want to complete their courses faster, opt for full-time course, while others employed elsewhere attend night classes. Students are required to attend certain minimum hours to secure graduation from beauty school. They spend a few hours in classroom training and learn styling techniques and color etc. on the clinic floor. Students are given total flexibility in selection of schedule to suit their working hours.

Beauty schools use different teaching methods and techniques such as live demonstrations by qualified instructors, videos, textbook examples and illustrations. Certain beauty schools adopt 3-phase approach: basic, adaptive and creative training. Basic training involves introduction to hair styling, makeup and nail care. Adaptive teaching includes salon management and subjects dealing with state laws. In the creative phase of training students undergo practical training by actually working on different customers.

Irrespective of their school affiliation and programs, students are required to appear and pass the state cosmetology board exam. They need a license for working as beautician, cosmetologist, or hairdresser.

Beauty schools are creative schooling avenues where students get opportunity to learn with greater flexibility. Full-time beauty training courses that lead to associates degree, last about 9 months, while courses for pedicurists and manicurists are short term.

Job opportunities for graduates of beauty schools are continuously on the rise, despite turbulent economic conditions. Cosmetologists, hair dressers and hairstylists, pedicurists and manicurists are witnessing high growth of employment all over the country. Skin care specialists and makeup artists are having brighter job prospects.

Most beauty schools assist students in immediate job placement. However this type of service is not offered by the traditional beauty colleges and universities. Cosmetologists that graduate from different beauty schools in the U.S. make a decent living. Based on last year’s statistics, cosmetologists who graduate from beauty schools earn average salary of $35,000 per year, in an average sized city, which is on par with those graduating from universities. Apart from high salary, cosmetologists earn big money in tips alone every month. Other income comes from freelance work on family and friends.

Unlike traditional schooling, training and education that students obtain from beauty schools is far more practical. This is one major reason why students are joining beauty schools in large numbers.

Beauty schools are surely the best source of learning and for crafting a bright career.

About Author
Your search for beauty schools ends at Ogle School cosmetology college.

Make Your Fat Loss Program Successful With Essential Fitness Supplements

Whenever you adopt a plan to go for weight loss, the first thing that you have to consider is your fat loss. Try to burn the excess fats in your body. This will consequently help you to lose weight. Try to go for foods and exercises that will essentially help you in fat loss.

When it is the question of fitness of any kind, you may consider the consumption of the fitness supplements. It is true that the fitness supplements are an addition to an already existing good nutrition. These fitness supplements are an important component of the fat loss programs. However, only the fitness supplements would not work. Before that you need to follow regular workouts and the other programs so that your body remains fit. Diet, nutrition as well as the supplements for fat loss goes hand in hand. The fitness supplements cannot work if you do not follow a proper dietary regimen and if your body lacks essential nutrition.

If you go for the fitness supplements, you can be assured that your body will not suffer from any nutritional deficiencies. As a result you can safely carry out your program of fat loss. As the level of activity in your body will increase while you go for fat loss, your body will require more vitamins and minerals. Without the fitness supplements, your body may suffer from some deficiencies.

However, all the fitness supplements are not the same. Some supplements are made according to the requirements of your body while some are more dependant on the goals which you set for your fat loss. There are different types of fitness supplements available for different requirements of your body.

The protein supplements are very popular and are in more demand. With these protein supplements, you can get back your body to a perfect shape and consequently achieve success in your fat loss program. You will get essential amino acids which will help you to build up your muscles.

The creatine fitness supplements are also quite popular. Creatine is an essential nitrogenous, organic acid which is found naturally in the skeletal muscles of the human beings. Creatine supplies essential energy to the muscles so that you can work out more. Most of the creatine in the body comes from food and is found in the liver as well.

When you intake the creatine fitness supplements, you can be assured to see improvement in your performance. The creatine supplements will help in the contraction of the muscle. Your muscle will get built up and this essentially will help you in fat loss.

If you want to purchase any fitness supplements products like the creatine supplements or protein supplements for your fat loss program, you can visit the online sites. In the online sites you will get any kind of fitness products that you require at reasonable rates. Therefore without any delay, visit the sites and consequently lose your fat.

About Author
Proteinstop.co.uk – One stop for all your sports, fitness and health supplements. Whey protein, weight gainer, creatine, nitric oxide, fat loss, amino acids, vitamins/minerals and much more.

Successful Stress Management Strategies Through Easy Fitness

Easy, effective fitness begins with finding fun activities that can be adjusted for your age and ability level. What better way to accomplish this than through home exercise without equipment? Today, many of us live lives so structured, structured down to the last minute seemingly, that we need to kick loose once in a while. Think of it as stress management strategies that don’t add to your workload, nor are one more thing to do, but rather, a fun, spontaneous, enjoyable, even exhilarating experience that you can share with others even.

Simply consider dancing with a purpose. The purpose should include proven stress management strategies such as random and exaggerated body movements, and patterns of movement that are not so much graceful and flowing as they are expressive and releasing. Easy fitness means in part, you don’t have to think about it much, and since most of us do far too much thinking all day long as it is, there really is nothing better than showing up a moment by yourself or with your friends or family, and putting on a little music and letting your body take over.

Random movement is how you access your own human instinct to stretch, and that is among the most effective stress management strategies available. And you don’t have to work at it; you can just have fun doing it. People need a little break once in a while, and here it is. The trick is not to structure the activity so much as to focus on taking the action. And the action of simply moving your body about randomly will literally provide a euphoric experience for both your mind and body.

The wonderful part about doing home exercise without equipment is that instead of having to manage more stuff, you can manage your imagination instead. You can express how you feel, what’s going on for you this 5 minutes through movement, and if you are physically able to move relatively quickly, and shift your weight around with an element of velocity, you can get a lot accomplished as far as exercise is concerned; particularly when it comes to balance and coordination, range of motion, and cardiovascular conditioning. Right there, you have 3 of the 4 elements of exercise accomplished. By merely adding some lightweight dumbbells and continuing to move around randomly, you will then add the strength training, or final factor, into your routine.

Just start by shaking your body. Instead of exercises that actually work counter to the body’s natural movement, practicing this essential Vitalogy movement will allow you to let your body guide you. Think in terms of loose, quick, jerky movements, where one part of your body goes in one direction and another part of your body goes in another. That’s how young people move with youthful mobility. It’s not about winning the “Dancing with the Stars” contest, it is about having a few minutes to be with your body, move it around, enjoy some good music of your choosing, and getting some home exercise without equipment. Why work out with your body when you can have fun and get something done hanging out with it? That’s easy fitness.

It really is that simple – don’t let technology overcomplicate your life. Hearken back to the blissful days of your teenage and young adult years when you could just put on a record and let your body start moving. You didn’t know it then, but you were letting your built-in human instinct to stretch take over. Now you do.

Easy fitness is more about focusing on the action you are taking rather than getting caught up in a cumbersome structure to follow. Nothing is better for clearing the cobwebs out of your head after a long day. Give yourself bonus points for taking just a few minutes to provide yourself with no-cost stress management strategies for better living. This is truly an example of exercise for the rest of us.

Will Nelson PhotoAbout Author
Will Nelson is an author, public speaker, teacher, and life coach. His company, http://www.Vitalogy.com teaches personal empowerment through lifestyle management. He can be reached at http://www.WillNelsonVitalogy.com E-mail him: [email protected]. Copyright Will Nelson 2009. All Rights Reserved.

A Successful Wedding – What To Do And What Not To Do

You wedding is the most important function in your life, not only for you but for your spouse too. It is important that you are in good health, fit, and in good spirits throughout the day as you are today! If you find out how the bride and the bridegroom are you will be surprised to find out that many are more tensed right from the day they started planning their wedding. Why is it? How to avoid that?

A wedding is a function that has to be planned very carefully. There are lot of tasks that are to be considered starting from the purchase of the wedding dress, printing out the wedding invitations, listing out the guests and sending the invitations to them, finding an appropriate location for your wedding that fits your budget, hall decorations, food for your wedding, choosing the right wedding favors, taking care of the bridesmaid related garments and accessories, finding the accommodation for your near and dear ones who come from far away places and so on. If you start thinking of all these tasks, you will see why they are more tensed until the function is over.

It is important that you take care of your health properly and keep yourself fit everyday and through your wedding. Due to the number of tasks ahead some people might skip their routine workouts. Do not do this. Keep up with your workout schedule and remember that is the one that will see you through these tough times. You can expect a lot of parties that extend till late night and it is essential that you are aware of what you eat in those parties. Limit your drinks to the minimum. Having the right food and getting adequate rest every day is very important to keep yourself at the maximum energy level throughout the wedding day. It is better to consult to a nutritionist to keep a watch on the food you take. Keep the levels of sodium, salt, and caffeine to the minimum every day.

Another way to reduce stress is to be practical in every aspects and have too much of expectations on any matter. Reducing your expectations is the best way to check the stress levels. If you expect too much or perfection from any person then you are the one who is going to get disappointed and thereby increasing your stress level. Set your expectations at the optimum level on every matter and you will feel relaxed throughout.

List down the tasks to be done to the level of minor details and plan well ahead of your wedding. Do not try to do all the tasks yourself. Most of us think that the tasks can be done to the perfection only by us and tend to accumulate all the tasks to ourselves. This would only increase your stress level. Delegation is the best way to get all of them done. Find out the members among your friends and relatives who can contribute their time to do these tasks. Delegate the tasks to them and give them the whole responsibility to do that task. You will be surprised to find that your stress levels are at the minimum which is a sure way to a successful wedding function.

About Author
Alan is a author at CountyWedding a wedding planning guide provider where you can find detailed information related to wedding receptions, bridal wear etc.

Weight Loss Goals – Tips And Ideas For Building a Successful Plan

You need to set clearly defined weight loss management goals in order for you to to establish the direction you must take. A realistic, achievable plan will help you stay on track with your diet and keep you motivated. The more motivated you are, the more likely it is that you are going to stick with your diet and exercise plan. You are far more likely to succeed if your goals are written down. There is something about the act of committing them to paper that makes the whole process more concrete. The more details you can include, the better. When and where will you carry out your activities? Do you need any equipment to get started? How will it all fit into your schedule? You should also avoid vague generalities – the more specific you can be about your objectives, the more likely it is that you will be able to accomplish them. You need to aim for sensible weight management goals. Healthy weight loss is a gradual process, it does not happen overnight. Make it a goal to only lose one to two pounds a week. This doesn’t sound like much at all, but providing you stick with it, you will soon notice the results. You must tailor your weight loss goals to take into account your body’s limitations. Your targets should be challenging, but you should be confident that you can achieve them with a little work.

Setting your expectations too high will lead to disappointment. They could also have negative consequences for your health should you try and lose too much weight too fast. Your written plan should also be broken down into short term and long term goals. Short term goals will keep you energised and focused on a daily basis, whereas long-term goals remind you of the big picture (your ultimate aim). This process will break everything down into small manageable steps. Focusing exclusively on one huge goal can make everything seem overwhelming and you are far more likely to abandon your plans. Selecting a start date for your new weight loss regime is important. Achieving anything is a battle against your natural inertia, so it is vital that you begin when you plan to. Failure to do so will psychologically undermine your future endeavours. You should weigh yourself at the outset and monitor your progress on a regular basis. At the end of every week, make an honest assessment of your progress.

Analyse what did and didn’t work and adjust your plans accordingly. Understand that your weight loss goals should not be rigid and unyielding. Flexibility is essential, if something isn’t working for you, then change it. Providing you keep moving forwards, you will get where you want to do be. You should accept that setbacks are inevitable. Life will sometimes throw obstacles in your path. There will be birthday celebrations with ice cream and family get-togethers at the local restaurant. When this happens, you just need to get back with the programme the following day. The key thing is not to give up – persistence can overcome virtually anything.

About Author
For more information on an effective and healthy weight loss program, please visit: http://slimmingvictory.com

Free Lose Weight Tips – How Your Meal Frequency Can Be One of The Successful Tips For Losing Weight

In my quest for weight loss I found the solution was a bunch of little free lose weight tips that gave me the most success. I found that I could be more successful and stick to smaller easier losing weight tips. If you add these tips for losing weight to your diet regime I am sure you will find the same. Meal frequency: Try to eat more often during the course of a day. Sounds strange when we are trying to loose weight not gain it. This means taking in smaller portions. This is not an excuse to eat more food. Rather than three big meals a day I tried eating five smaller meals aiming to maintain a more equal balance of food intake during the day. This would help to alleviate the feeling of being really hungry, eating a large portion of food and then feeling really full. By eating every three to four hours you keep your body from storing as many calories (as fat) because your body has a steady supply of food to use for energy. A benefit of this is that it also helps to balance your calorie intake throughout the day. I focused on adding two meals. Once between breakfast and lunch and the other between lunch and dinner. When I say a meal, I do not mean sitting down with a knife and folk to eat having spent an hour cooking. I would eat some fruit, maybe with some natural yoghurt or a bowl of some natural nuts and berries for example. Eating smaller meals should be a balance, between containing proteins, carbohydrates and fat.

This also helps to maintain steady insulin levels. It can be hard to follow this losing weight tip with the daily grind of work and social commitments. I got round this by eating a reduced portion size of my three main meals and then carrying round a lip lock bag of dried fruits and nuts. Also two pieces of fresh fruit. In order to make this as easy as possible to stick with. I would buy a bulk container of dried fruits and nuts from the supermarket and portion them equally into zip lock bags. This way all I needed each morning was grab one of my pre-packed zip lock bags ready to go. I would even chop up the fruit and put it with some natural yoghurt in a container. You will find this easier to stick to if you have a little system to make it as simple as possible. You will also find how delicious these little snacks are and how you start to really look forward to them! If you follow these tips for losing weight, you are sure to notice that you will achieve some weight loss, without having to go on the latest fad diet and you will soon be back on track to being healthy and happy! Whatever you do, it is important to remember you can be successful and you will not have to lose weight without starving yourself!

Gemma Darcy PhotoAbout Author
You don’t need to starve when trying to lose weight. CLICK HERE to visit my website http://www.loseweightwithoutstarvingyourself.com and discover how to lose weight without starving yourself and to receive some fantastic FREE tips. Natural Ways To Get Slim

3 Tips For Successful Weight Loss

There are many diets, exercise programs, and weight loss supplements out there that claim they can help you to lose pounds of fat in short amounts of time. Many of these programs come and go because they do not promote healthy weight loss. Many weight loss supplements become popular and then there is a health warning about them. Here are three tips to ensure you are losing weight in a healthy and safe manner.
Exercise. Many diet plans claim you can lose weight without exercise. It is true that you can lose weight by diet alone; however, it is very difficult to maintain weight loss from diets after you start eating regular foods again.

When you are exercising you are burning calories and fat. A good exercise plan will have cardio, stretching aspects, and strength training elements to it. There are many cardio options at home, outdoors, or the gym. You can do workout DVDs; go running, hiking, biking, or swimming; there is a wide variety of class offered at the gym or you can use the elliptical or treadmill. Strength training will add lean muscles to your body. Lean muscle burns more calories while you are resting. Stretching also helps you to create the lean muscle. Other than adding to your flexibility, stretching elongates the muscle fibers making them become long and lean. Another good way to help you get lean muscle is to take a whey protein supplement. Whey protein is easy to digest compared to soy protein supplements. The best kind of whey protein is an isolate. It has 90% pure protein with fewer fats and carbohydrates than concentrates.

Healthy Diet. There are a lot of fad diets out there that say you can eat whatever you want and sill lose weight. But wait a minute. Didn’t eating whatever you want get you here to begin with? Along with exercise, a good weight loss plan includes a healthy diet. A healthy diet includes fruits, vegetables, good carbohydrates (complex carbohydrates) to give you energy, lean meats, and good fats. Yes, there are good fats. These fats are essential to our body’s well being. Contrary to what some of the fad diets tell you, not all carbohydrates are bad. Good carbohydrates include whole grains/wheat, fruits, vegetables, and beans. They have more nutrients and more fiber than the simple carbohydrates.

Water. Water is a very important liquid. It is natural and abundant. It doesn’t have any fillers or added sweeteners. If you want to lose weight, experts suggest that you drink about a gallon of water a day. Contrary to popular belief, drinking water does not make you gain water weight. Water is needed to flush the fat that is burned out of your body. It keeps your muscle plump and your skink looking vibrant. Diet sodas and juices are no substitute for water. They contain artificial sweeteners and added sugars that are bad for you. Diet sodas are filled with empty calories. Anyone looking to lose weight should stay away from diet sodas and juices.

No matter how many diets or weight loss supplements there are in the world, experts agree that the best way to lose weight is through proper dieting, exercise and drinking water.

About Author
For more info on protein shakes, visit Top Form Supplements

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