Category: Insurance

What is an accidental death and dismemberment insurance (AD & D)?

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Few people understand the complexity of life insurance and its proper use.  There are numerous policies that can be bought if you have the money and you meet the requirements. Besides policies, you can attach a series of riders and customize them even more. Even life insurance without medical examination can be customized. A commonly chosen rider is accidental death and dismemberment insurance (AD&D). In this blog post we will explain what is an accidental

Posted in Health and Fitness, Insurance

In need for professional guidance in your search for the best life insurance?

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Not all of us can understand complicated economic notions. You may say that understanding life insurance is easy, but when you are faced with papers containing numerous specialized terms, thing are getting a bit more complicated. If you are in need for professional guidance in your search for the best life insurance, ask a life insurance agent or broker to help you. Brokers are very knowledgeable persons and they can explain you how every policy

Posted in Finance, Insurance, Investing

Top 3 Best Life Insurance Policies for Senior Citizens!

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Although it is not legally compulsory, life insurance is a very useful service and it can save your family from unpleasant financial difficulties. Although they are not always the preferred clients, seniors can still get life insurance. Here are the top 3 best life insurance for seniors: Term life insurance. Term life insurance is not typically very suitable for senior citizens. Its premiums are heavily influenced by the age of the insured. And since you

Posted in Health and Fitness, Insurance

Prostate cancer and the importance of a life insurance!

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 There are few diseases more terrifying than prostate cancer.  This is one of the illnesses that scare every male.  This form of cancer is slowly developing in the male reproductive system and affects the quality of life. Pain, urination difficulties and erectile dysfunction are common symptoms. It is recommended to purchase life insurance if you are suffering of this disease.  But since you already have a medical problem, the chances of being insured get lower,

Posted in Health and Fitness, Insurance

Is your health condition starting to alter?

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We all need to preserve our bodies and minds in the best possible condition. The quality of life is strictly related to our health. You cannot say that you have a beautiful and peaceful life when you are feeling sick and live with constant pain. If your health condition is starting to alter, you should be concerned about saving money for medical bills. But having a pre-existing medical condition will cause to be rejected by

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No Medical Exam Life Insurance: 3 Important Advantages!

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No medical exam life insurance is a new product, but its popularity is growing fast. This is not surprisingly considering the many advantages it provides. Life insurance plans that do not require medical examinations are a convenient way of getting life coverage. Life coverage is important for protecting the financial security of dependent family members. How does it work? No medical exam life insurance works like a regular policy, except that it doesn’t require medical

Posted in Health and Fitness, Insurance

Drug Rehab And Its Influence On Your Premium Rates!

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People with a history of drug abuse will be unattractive clients for most insurance agencies, especially if they want to purchase high amounts of life coverage. People in this situation have higher chances of buying a plan by applying for term life insurance without exam or by getting guaranteed acceptance life insurance from employers. Drugs and the underwriting process People who have a history of drug abuse will not do well as applicants. Agencies see

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Heart Disorders And Life Insurance Policies!

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Heart disorders are considered a pre-existing condition by most insurance agencies. Agencies will see you as a potential risk and will lower your rates and increase the premiums. If you have serious heart diseases and if you are in a critical state, they may refuse to sell you any insurance. In order to find the best term life insurance rates, you need to do a lot of research and quote comparison. The underwriting process The

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The Basics of Whole Life Insurance

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Life insurance is an essential purchase if you have a family or if you plan on staring one. By having life coverage your loved ones will be financially protected in case you die unexpectedly. There are many types of life insurance. One of the most popular plans is whole life insurance. Make sure you read a lot about this type of policy and search for whole life insurance quotes before you buy a plan! About

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Is Variable Annuity A Smart Investment?

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A variable annuity is a form of life annuity that returns a benefit payment with a variable interest rate. If invested properly, variable annuities can return a profit, but there is always the risk of making a bad investment. Read on to find more about annuities and their benefits. About life annuities Unlike life insurance policies, life annuities pay the benefit to the owner during his or her lifetime. You, as the annuitant, will make

Posted in Finance, Insurance, Investing