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Saturday, August 27, 2011
Saturday, July 9, 2011
Life Insurance 101 - Basics
Life insurance is basically a contract between two parties: the life insurance and the policy owner. After
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the decline of the policy owner agrees to pay life insurance premiums for a fixed amount of the remuneration policy owner, a beneficiary is named. The policy owner must pay the life insurance company either a lump sum or a fixed amount at regular intervals to keep the policy in force. In addition to death, a life insurance policy can alsoTerminal illness or critical illness cover and provide the policy owner with what is known as "accelerated" death to cover costs for treatment.
Types of Life Insurance
Life insurance purely for the protection: This type of life insurance is designed to provide death benefits for premiums on a specific date period, which can be anywhere between 1 to be amortized for 30 years. Because it is temporary life insurance for a specific "term" is offered, it is calledTerm life insurance. This type of insurance provides high death benefits at the lowest premiums. It is particularly suitable for young families on a low budget or for people who want a temporary life insurance protection. There is no investment component in term life insurance policy and you should survive, you lose all the premiums paid.
Life insurance with an investment component: This type of life insurance is permanent. You pay premiums throughout your life. TheReason why it is so attractive, because a portion of the premium you pay goes into an investment portfolio. Your premiums begin to accrue interest. After a certain time, you can pay this interest on the premiums, or you can in the present value of life insurance dip whenever you want. Examples of life insurance with an investment component life, universal, variable life, and many others.
Who Needs Life Insurance?
Anyone who has a dependentNeeds life insurance.
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the decline of the policy owner agrees to pay life insurance premiums for a fixed amount of the remuneration policy owner, a beneficiary is named. The policy owner must pay the life insurance company either a lump sum or a fixed amount at regular intervals to keep the policy in force. In addition to death, a life insurance policy can alsoTerminal illness or critical illness cover and provide the policy owner with what is known as "accelerated" death to cover costs for treatment.
Types of Life Insurance
Life insurance purely for the protection: This type of life insurance is designed to provide death benefits for premiums on a specific date period, which can be anywhere between 1 to be amortized for 30 years. Because it is temporary life insurance for a specific "term" is offered, it is calledTerm life insurance. This type of insurance provides high death benefits at the lowest premiums. It is particularly suitable for young families on a low budget or for people who want a temporary life insurance protection. There is no investment component in term life insurance policy and you should survive, you lose all the premiums paid.
Life insurance with an investment component: This type of life insurance is permanent. You pay premiums throughout your life. TheReason why it is so attractive, because a portion of the premium you pay goes into an investment portfolio. Your premiums begin to accrue interest. After a certain time, you can pay this interest on the premiums, or you can in the present value of life insurance dip whenever you want. Examples of life insurance with an investment component life, universal, variable life, and many others.
Who Needs Life Insurance?
Anyone who has a dependentNeeds life insurance.
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Tuesday, June 28, 2011
Friday, June 24, 2011
10th Common sense
The American Revolution (HIST 116) This paper focuses on the best-selling pamphlet of the American Revolution: Thomas Paine's Common Sense, Paine discuss life and the events that led him to write his pamphlet. Published in January 1776 sentenced him as a bad form of monarchy, government and urged the colonies to declare their independence and their own form of republican government. His incendiary language and simple format made popular in the colonies, and helpsradicalize many Americans and pushed them seriously the idea of declaring independence from Great Britain. Complete training materials are available on the Open Yale Courses Web site: open.yale.edu This course was started in spring 2010.
http://www.youtube.com/watch?v=Dxdqdax4VbQ&hl=en
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