Dazed + confused? It’s not just you. Millennials come to us all the time, looking for a little bit of guidance + advice when shopping for life insurance. Nine out of ten times, they are being sold a Whole Life Policy. It’s almost become a joke. When you’re young, it’s cheaper to buy and then you’re set for life, not to mention that you are building a mini savings account within the policy for you to tap down the road. This guide will break it all down and explain term life insurance vs whole life insurance. So the rationale for buying a Whole Life policy when you’re young is sound. Or is it? When Do I need Life Insurance? First of all, you don’t really...
Continue reading...
A way for businesses—especially niche businesses—to address a major risk. Who are the people most crucial to your business? Have you taken steps to insure them? At every company, there are certain people who are essential to day-to-day operations. If they die, the business may face an operational or financial crisis. Key person insurance is designed to help businesses deal with this circumstance. Its payout can offer some monetary relief so that operations can continue running smoothly. Companies purchase key person insurance for a variety of reasons. They realize that the insurance benefit could help them settle outstanding loans or pay for the recruitment and training of a new hire....
Continue reading...
Insurance Plan For Your Child In Singapore Every parent desires to ensure the safety of their children. The route one takes in protecting children does not rely on instinct alone. Proper planning and informed decisions are necessary to ensure your child is under proper care and protection from the day they are born. One way of ensuring your children are safe and their future is secure is by insuring them. In Singapore, there is a range of insurance options one can pick from for your child. Timing of buying an insurance plan It is important to have insurance for your child from a tender. Do not stop to think that since your child has just been born, they don’t need to be covered. This is...
Continue reading...
Is Term Life Insurance for You? Term insurance is the simplest form of life insurance. It provides temporary life insurance protection on a limited budget. Here’s how it works: When a policyholder buys term insurance, he or she buys coverage for a specific period and pays a specific price for that coverage. If the policyholder dies during that time, his or her beneficiaries receive the benefit from the policy. If he or she outlives the term of the policy, it is no longer in effect. The person would have to reapply to receive any future benefit. Unlike permanent insurance, term insurance only pays a death benefit. It does not accumulate a cash value. That’s one of the reasons...
Continue reading...
This job is no longer available Matriculation Specialist, Categorical (one or more position) Job description Link to job brochure:Classification TitleMatriculation SpecialistJob Category:Classified StaffJob Open Date:08/21/2019Job Close Date:09/20/2019Initial Screening DatePosition ID:P0016261Job Open ID:REQ8377Position Title:Matriculation Specialist, Categorical (one or more position)Location20-Saddleback CollegeDepartmentStudent Success and Support Programs (SC) (SC-051-096)Term:12 Months/YearSalary Schedule Link: Click here for current Salary Schedules Pay Basis:MonthlyPay Range:123% of Range:100%Hours per week:40Work ScheduleMon-Fri (8am to 5pm); 4/10 during summerReceives Benefits:...
Continue reading...
The trust is dead – long live the trust! Increasing focus on trusts by revenue authorities, both locally and offshore, has created the perception that trusts are being targeted – especially from a tax perspective – and that they are going to become obsolete. The question now is should trusts still be used in estate planning, or has their star faded? According to Citadel Fiduciary (Pty) Ltd Managing Director Hilary Dudley, trusts still have an important role to play within estate planning if they are formed for the right reasons, offering benefits such as asset protection and continuity. “That said, it has become much more expensive to hold assets within a trust, and there are less tax...
Continue reading...
Mobile phone, NBN, insurance, home loans: Best plans, deals revealed Money experts explain why you should pay less than half what you’re currently paying for your phone. They also reveal other great deals. In the endless pursuit of the latest iPhone or Samsung, many Australians are locked into contracts of up to $100 a month. But the telco industry is “fiercely competitive” with a number of smaller providers offering value for prepaid plans, according to comparison site Finder money expert Bessie Hassan. She says consumers should consider switching to one of these deals if they’re out of contract but are happy with their phone. The key is to take note of how much...
Continue reading...
Is Term Life Insurance for You? Term insurance is the simplest form of life insurance. It provides temporary life insurance protection on a limited budget. Here’s how it works: When a policyholder buys term insurance, he or she buys coverage for a specific period and pays a specific price for that coverage. If the policyholder dies during that time, his or her beneficiaries receive the benefit from the policy. If he or she outlives the term of the policy, it is no longer in effect. The person would have to reapply to receive any future benefit. Unlike permanent insurance, term insurance only pays a death benefit. It does not accumulate a cash value. That’s one of the reasons...
Continue reading...
Term life insurance is a cost-effective way to cover costs for loved ones left behind. Those needs may be replacing income, paying off debt or covering college costs. When you buy term insurance, you choose how long it lasts and how much coverage you want. Premiums remain level every year. Erie Family Life Insurance Company offers you two choices: Erie LifeSense® makes it easy to get up to $90,000 worth of coverage in about 15 minutes. There’s no medical exam or complicated forms to fill out. In fact, it is a simple application with only a few medical questions. It can be the perfect way for part-time employees, entrepreneurs, first-time life insurance buyers, stay-at-home caregivers and...
Continue reading...
Advantage Insurance Network Blog Having life insurance in place is very important. For those that are in the Cincinnati, OH area, one of the first things to do when choosing a new life insurance policy is choosing between whole and term life insurance. It is very important to understand the differences between these policy types to ensure you make the right choice for your situation. One of the biggest differences between whole and term life insurance is the amount of time that it will provide you with coverage for. Whole life insurance is a type of insurance that will provide you with coverage for your entire life. During this time period, a small portion of your life insurance premiums...
Continue reading...
