Life Insurance Information
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Moneynet promotes greater financial understanding for con...

Moneynet.co.uk, the UK’s most established personal finance research and data website, has published the latest edition in its series of online product guides to help consumers get to grips with the increasing complexity of personal finance products.Continuing the success achieved by the previous . . .

So What's Life Insurance All About?

LIFE ASSURANCE Life insurance (also called Life Assurance) is a way of financially protecting your family should you die. The most frequent reasons people take out life cover are to pay off debts upon their death - such as a mortgage - or to provide a lump sum payment when they die to their depen. . .

How a Missing Signature Killed the Dreams of the Donald J...

The headline and accompanying article were only 3 sentences long:"Tragedy Strikes Local Family - Donald Jenkins was killed yesterday evening in a single car accident when the vehicle he was driving hit a patch of ice and lost control striking a concrete bridge support. He is survived by his wife. . .

My Friends All Laughed When I Told Them What I Got My Wif...

“Okay. I’ll admit it was not nearly as romantic as flying her parents and my parents all the way to Italy so that I could walk her to a beautiful plaza and scream at the top of my lungs how much I love this woman while draping a huge string of diamonds around her neck,” says 45 year old Lance Fo. . .

Guide to Life Insurance Terms

Listed below is a useful guide to life insurance terms. It is a list of definitions of life insurance terms that may or may not be familiar to you. Accelerated Benefit Provision A provision in many new policies which will allow the policy owner to receive a portion of the death benefit early if t. . .

Protect Your Children Education At No Cost To You

Protect Your Children Education At No Cost To You When it comes to laying the foundation for a child’ success, there is no substitute for education. For this reason, one major financial services organization has undertaken to make sure that children who are touched by family tragedy (namely, the . . .

Life Settlement Overview

A “Life Settlement” is a lump sum settlement paid to the owner of a life insurance policy by one of many funding sources in exchange for the ownership of the policy. Never before have non-terminal policyholders been able to receive capital in excess of their policy’s cash or surrender value to in. . .

Insurance Glossary ot Terms

Assured - Those insured under the terms of an insurance policy.rrBenefit - The money paid to the policyholder when a claim is made.rrBid Price - The selling price or cash-in value of your unit holdings.rrBonus - Relates to a with-profits policy. The amount of money added to the benefit payable un. . .

Understanding the Importance of Mortgage Protection Life ...

Your house is a big investment – probably one of the biggest you’re every likely to make. It is also the place that you and your loved ones call home; a shelter and haven from the outside world. That’s why it is so important to ensure that your home and family are protected in the event of your . . .

Home Inspection or Home Warranty?

Homebuyers are a curious lot. They routinely ask thought-provoking questions. A common question is, "If I get a home inspection, should I still get a home warranty?" Then there's always this question, "If I get a home warranty, do I still need a home inspection?"The choice between having a home . . .

Insurance Glossary of Terms

Assured - Those insured under the terms of an insurance policy.Benefit - The money paid to the policyholder when a claim is made.Bid Price - The selling price or cash-in value of your unit holdings.Bonus - Relates to a with-profits policy. The amount of money added to the benefit payable under th. . .

Executive Bonus Plans

Your key employees are a big reason for your business’ profitability. It’s in your best interest to keep them happy by recognizing their contribution and rewarding them for it.Management surveys show that over the long term, recognition alone is not enough to retain key employees. It must be back. . .

Cheap Insurance - Ten Tips

Cheap insurance? Auto insurance, life insurance, health insurance, liability insurance - whatever type of insurance you need, you can buy it for less. Try the following: 1. Raise you deductible. Why have a $100 deductible if a $1000 deductible won't break you? It may hurt to pay the first thousan. . .

Insurance - Necessary For Peace of Mind

There are many various types of insurance. Insurance is apolicy where you invest a certain amount, that you do notget back, that will pay you in the event of a predeterminedevent. The specifics vary greatly according to the kind ofinsurance.Health insurance is designed to help you with your medic. . .

Life insurance without life value: why young people are s...

This article is written by a 27 year old female (borderline Generation X / Y) called Rachel. Rachel spent six years at university, has no outstanding debts with the exception of government student loans. Rachel also has no pension plan, no life insurance, savings or property investment. Despite r. . .

What is Structured Settlement?

Because it is tailor-made for individual cases, the structure may also include some immediate payment to cover special damages. The payment is usually made through purchase of an annuity from a Life Insurance Company. Subcontractor A trade contractor such as a roofer who usually subcontracts wit. . .

Insurance Regulators Focus on Abusive Sales Practices

State insurance regulators are focusing their efforts on a short list of five consumer problems areas related to the improper sale of variable annuities and life insurance. The problem areas include: 1) 1035 exchanges, 2) variable annuities inside of qualified accounts, 401(k)s or IRAs, 3) failur. . .

Life Insurance Without Life Value: Why Young People Are S...

This article is written by a 27 year old female (borderline Generation X / Y) called Rachel. Rachel spent six years at university, has no outstanding debts with the exception of government student loans. Rachel also has no pension plan, no life insurance, savings or property investment. Despite r. . .

Communicating Across Time Horizons

There was a time in my life when I sold life insurance. Well, to be frank, I tried to sell life insurance. With little success.And while I didn't sell any insurance, I did learn a thing or two, and I'd like to explore one of them with you today - time horizons.Some of the prospective policyholder. . .

Dogs get more human every day

First pet stores began selling clothes for pets. Then kennels upgraded from a wire cage to four-star hotels for man's best friend. Now you can even buy insurance for your four-legged friend. Everything from health insurance to third party insurance for the family pet is getting to be big business. . .

Planning Starts With The Basics

When developing a plan for your finances, the toughest question often is: “Where do I begin?” Before investing in stocks and bonds or buying life insurance, before implementing any change or making any decisions, you first need to analyze and understand your entire financial picture. Two document. . .

What are you worth? A practical insight into covering up

Almost anything can be insured these days: breasts, legs, your goldfish, your mental health, physical health, your own life, your child’s life. You can insure against the bad weather, good weather, political events….This week in Scotland, triathlon competitors were insured for £1 million in case . . .

Everyone is A Prospect

An article about finding prospects for financial services.My first year in the life insurance business was hell! I had come into the industry from the general insurance field. I worked for an insurance company, but quickly figured out that the money was in sales, or the agency end of the business. . .

INTELLIGENT INVESTING

Talk at the "cooler" about investing, is usually around Stocks.Although I make money in Commodities, there is a "safe" way -that banks and investment houses use, but they won't tell You!How about a product that returns 12 - 42%, is 100% insured andbacked by the assets of the wealthiest institutio. . .

How to Follow Up For Success

How to Follow Up For Success(c) 2003 Warren Smith If you have been online for more than a day, you've heardsome 'guru' say that you must 'follow up at least fivetimes' with every prospective customer in order to make thesale. Well, it's true.Following up with those who ask for more information is. . .

Insurance versus assurance: what is the difference?

The world of finance is extremely complicated and there are many factors to consider when choosing any financial protection product. When looking for a policy you need to know what you are looking for and what is on offer in order that you get the right cover for your needs. One thing that many p. . .

SALESMANSHIP CAN BE LEARNED

Robert Louis Stevenson (1850–94), Scottish novelist said,""Everyone lives by selling something, whatever be his right to it"If you are looking for a job, you have to show a sort of salesmanshipto get the job you want to get. An author has to do a sort of selling toconvince a publisher to publish . . .

RRIF'S + DEATH = TAXES

First Published Summer 1992The Registered Retirement Income fund, known as a RRIF, is the most popular option chosen when converting RRSP's into retirement income. In the past, most people would start with a RRIF and only convert to an annuity if interest rates warranted or they had to collapse t. . .

Senior Life Settlements-A New Financial Dawn Emerges

When delving deeper into the market-driven research on the myriads of reasons, motivations, and/or rationales for senior life settlements – seniors selling their life insurance policies have surfaced in recent years. According to studies by key industry players, policyholder rationales for sellin. . .

Do You Yahoo?

Do You Yahoo?Anyone with yahoo account ought to be aware........Yahoo is spamming you!!That's right, Yahoo has decided to give away all of your private contact information in their database to thehighest bidder! All your information is being distributed to everyone from telemarketers to health/li. . .

Five tips to improve your chances with Google et al.

"Dear David: I just created a website on baby toy safety. What should I do to make sure gazillions of people find me through the search engines?"I can't promise you gazillions, but there are a few things you should do to make it easy for search engines to find you. I assume you have already decid. . .

Moneynet promotes a more ethical approach to investing wi...

Moneynet.co.uk, the UK’s most established personal finance consumer information website, has published the latest edition in its series of online product guides to help consumers get to grips with the increasing complexity of personal finance products.Continuing the success achieved by the previo. . .

Free Money for Your Children Education

Free Money for Your Children Education Do you ever lie awake at night and ask yourself how your children would afford to get an education if you were gone? Now there's a program that can help you. And best of all, it's absolutely FREE. Yes, FREE. Register now!Free Money for Your Child EducationIn. . .

Inflexible friends and plastic assets, why money isn’t bu...

It would appear that even though their “friends” aren’t as flexible as they used to be, consumers are still stretching their credit cards beyond the comfort zone.The vicious circle of debt manipulation involving banks, consumers and commercial credit companies is putting consumer spending under s. . .

Mortgage Insurance Plans: How Good Is Yours?

Mortgage insurance, to pay off a mortgage, is something you'll inevitably be asked to take out by the bank. Mortgage insurance is necessary so that if something happens to you or your spouse then your loan will be paid off which is good news for your family and the bank. Banks act as if doing you. . .

Solve Your Health Care Headaches With A PEO!

Solve Your Health Care Headaches With A PEO!There are many complications to being a small business owner but none so pressing as the need for health, dental and life insurance. Many small business owners obtain coverage through the employment of their spouse. However, there are just as many small. . .

THE ULTIMATE SALES ORGANIZATION

If you want a great sales organization to emulate, youonly have to look as far as your local church. Considerthese points:PRODUCT OR SERVICE: What does a church have to offer, butfaith? They sell faith to millions of members nationwide.This is not a tangible. It is not even like a life insurancep. . .

Communicating with Case Studies

A few weeks ago, a couple of colleagues and I discussed a new business idea. But, we had trouble expressing how this new business would provide value.And, out of our discussions came the idea of writing a case study. If you're not familiar with them, case studies are histories of business initiat. . .

Why is an Estate Plan Necessary?

Before answering this question, it's important to understand how real and personal property passes following a death.The Four Ways Real and Personal Property Passes at Death... 1.Direct transfer to a named beneficiary a.This would include life insurance and retirement-type accounts 2.Jointly own. . .

How to Select Sales People More Effectively

If you’re looking for good salespeople, and particularly if you’re trying to qualify candidates by phone, there’s an emotional intelligence protocol you can use to better qualify them and save yourself time and money.There’s been a lot of research on what makes people successful at sales. Sales s. . .