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The Five Best Things About Life
Insurance
BY ANTONY JEANTY --- FOR;
WWW.KNOWLEDGEFINANCIAL.COM
People may understand the basic principle of life
insurance, but they may often overlook just how
wide-ranging the benefits can be. Whether your goal
is just to get started with a cheap life insurance
policy, or to protect your family as well as you can,
you should find there can be several ways to benefit
from having life insurance. The following are five of
the best things about life insurance.
1-It is cost-effective risk protection.
Managing risk is all about understanding
probability--or to put it more simply, playing the
odds. The odds are you aren't going to die anytime
soon. So why should you buy life insurance?
The very fact that there is a low probability of
something happening to you is what can make
insurance premiums so inexpensive relative to the
benefits they can pay out. This means you can
protect your family in an affordable way, especially
if you shop diligently for discount insurance.
CALL A FLORIDA LICENSED
INSURANCE AGENT AT:
786-709-577 -- IF YOU ARE IN
MIAMI DADE, BROWARD
COUNTY AREAS.
2-It shows you care. Sometimes,
actions really do speak louder than
words. Buying life insurance can demonstrate
that you care enough to protect your family, and are
mature and responsible about financial decisions.
3-It can help you start saving and
investing. One category of life insurance, whole
life, can accumulate some investment value in
addition to providing a death benefit. Purchasing
this type of insurance with a monthly premium is
one way to get into the habit of putting aside money
for the future. Those monthly payments represent
affordable increments that can build up into
something worthwhile over time.
4-It has become easy to shop for
discount insurance. Access and convenience
should not be barriers to obtaining a policy. The
internet allows you to find and compare free quotes.
You can compare different costs and features, from
a cheap life insurance policy with a simple death
benefit to policies with additional features and
investment elements.
5-It is flexible to suit your needs. Life
insurance traditionally comes in different forms and
policy sizes to suit your budget and your needs. You
can start small, with a modest benefit on a discount
insurance policy, and then build up as your family
responsibilities grow.
You can choose dividend-paying policies for income
generation, or others that accumulate principal
value for long-term saving. In short, life insurance is
not a one-size fits all product.
These five attributes show that life insurance is a
user-friendly way of fulfilling your responsibility to
protect your family ---
KNOWLEDGEFINANCIAL.COMb
Insurance
BY ANTONY JEANTY --- FOR;
WWW.KNOWLEDGEFINANCIAL.COM
People may understand the basic principle of life
insurance, but they may often overlook just how
wide-ranging the benefits can be. Whether your goal
is just to get started with a cheap life insurance
policy, or to protect your family as well as you can,
you should find there can be several ways to benefit
from having life insurance. The following are five of
the best things about life insurance.
1-It is cost-effective risk protection.
Managing risk is all about understanding
probability--or to put it more simply, playing the
odds. The odds are you aren't going to die anytime
soon. So why should you buy life insurance?
The very fact that there is a low probability of
something happening to you is what can make
insurance premiums so inexpensive relative to the
benefits they can pay out. This means you can
protect your family in an affordable way, especially
if you shop diligently for discount insurance.
CALL A FLORIDA LICENSED
INSURANCE AGENT AT:
786-709-577 -- IF YOU ARE IN
MIAMI DADE, BROWARD
COUNTY AREAS.
2-It shows you care. Sometimes,
actions really do speak louder than
words. Buying life insurance can demonstrate
that you care enough to protect your family, and are
mature and responsible about financial decisions.
3-It can help you start saving and
investing. One category of life insurance, whole
life, can accumulate some investment value in
addition to providing a death benefit. Purchasing
this type of insurance with a monthly premium is
one way to get into the habit of putting aside money
for the future. Those monthly payments represent
affordable increments that can build up into
something worthwhile over time.
4-It has become easy to shop for
discount insurance. Access and convenience
should not be barriers to obtaining a policy. The
internet allows you to find and compare free quotes.
You can compare different costs and features, from
a cheap life insurance policy with a simple death
benefit to policies with additional features and
investment elements.
5-It is flexible to suit your needs. Life
insurance traditionally comes in different forms and
policy sizes to suit your budget and your needs. You
can start small, with a modest benefit on a discount
insurance policy, and then build up as your family
responsibilities grow.
You can choose dividend-paying policies for income
generation, or others that accumulate principal
value for long-term saving. In short, life insurance is
not a one-size fits all product.
These five attributes show that life insurance is a
user-friendly way of fulfilling your responsibility to
protect your family ---
KNOWLEDGEFINANCIAL.COMb
TERM LIFE INSURANCE:
For the most part, there are two types of life insurance plans -
either term or permanent plans or some combination of the two.
Life insurers offer various forms of term plans and traditional life
policies as well as "interest sensitive" products which have
become more prevalent since the mid-1980’s.
TERM INSURANCE :
Term insurance provides protection for a specified period of
time. This period could be as short as one year or provide
coverage for a specific number of years such as 5, 10, 20 years
or to a specified age as high as 80. Policies are sold with various
premium guarantees. The longer the guarantee, the higher the
initial premium.
Term Life Insurance
Term life insurance offers a stable premium (typically, your
monthly payment for the policy) over a specified time period, or
term. If you die during that term, your designated beneficiary will
receive the policy's death benefit. If you do not die during the
policy's term, the policy does not pay any benefit.
Term Life Insurance - Designed to meet
temporary needs, Term life insurance provides protection for a
specific period of time, term and generally pays a benefit if you
die only during the term.
If you outlive the term, the policy becomes null and void. Term life
insurance makes sense when you need a coverage that will
disappear at a specific point in time. The biggest advantage of
term life insurance is the high life cover at fairly low premiums.
Because term life insurance only returns a benefit under specific
circumstances, it is typically cheaper than whole life insurance.
For young people who are just starting their families, getting a
cheap life insurance policy is often the immediate priority.
Also, obtaining protection for a specified term suits their needs,
since their children will grow up and need less financial
protection over time.
If you die during the term period, the company will pay the face
amount of the policy to your beneficiary. If you live beyond the
term period you had selected, no benefit is payable. As a rule,
term policies offer a death benefit with no savings element or
cash value.
Premiums are locked in for the specified period of time under the
policy terms. The premiums you pay for term insurance are lower
at the earlier ages as compared with the premiums you pay for
permanent insurance, but term rates rise as you grow older.
Term plans may be
"convertible" to a permanent
plan of insurance. The coverage can be
"level" providing the same benefit until the policy expires or you
can have "decreasing" coverage during the term period with the
premiums remaining the same.
If you do not pay the premium for your term insurance policy, it
will generally lapse without cash value, as compared to a
permanent type of policy that has a cash value component.
Currently term insurance rates are very competitive and among
the lowest historically experienced.
It should be noted that it is a widely held belief that term
insurance is the least expensive pure life insurance coverage
available. One needs to review the policy terms carefully to
decide which term life options are suitable to meet your
particular circumstances.
Types of Term Insurance:
Renewable Term. Renewable term plans give you the right to
renew for another period when a term ends, regardless of the
state of your health. With each new term the premium is
increased.
The right to renew the policy without evidence of insurability is an
important advantage to you. Otherwise, the risk you take is that
your health may deteriorate and you may be unable to obtain a
policy at the same rates or even at all, leaving you and your
beneficiaries without coverage.
Convertible Term.
Convertible term policies often permit you to exchange the policy
for a permanent plan. You must exercise this option during the
conversion period.
The length of the conversion period will vary depending on the
type of term policy purchased. If you convert within the
prescribed period, you are not required to give any information
about your health.
The premium rate you pay on conversion is usually based on your
"current attained age", which is your age on the conversion date.
This type of policy often provides the maximum protection with
the smallest amount of cash outlay.
Level or Decreasing Term.
Under a level term policy the face amount of the policy remains
the same for the entire period. With decreasing term the face
amount reduces over the period.
The premium stays the same each year. Often such policies are
sold as mortgage protection with the amount of insurance
decreasing as the balance of the mortgage decreases. If the
insured dies the proceeds of the policy can be used to pay off the
mortgage.
Adjustable Premium.
Traditionally, insurers have not had the right to change premiums
after the policy is sold. Since such policies may continue for
many years, insurers must use conservative mortality, interest
and expense rate estimates in the premium calculation.
Adjustable premium insurance, however, allows insurers to offer
insurance at lower "current" premiums based upon less
conservative assumptions with the right to change these
premiums in the future. The premium, however, can never be
more than the maximum guaranteed premiums stated in the
policy.
For the most part, there are two types of life insurance plans -
either term or permanent plans or some combination of the two.
Life insurers offer various forms of term plans and traditional life
policies as well as "interest sensitive" products which have
become more prevalent since the mid-1980’s.
TERM INSURANCE :
Term insurance provides protection for a specified period of
time. This period could be as short as one year or provide
coverage for a specific number of years such as 5, 10, 20 years
or to a specified age as high as 80. Policies are sold with various
premium guarantees. The longer the guarantee, the higher the
initial premium.
Term Life Insurance
Term life insurance offers a stable premium (typically, your
monthly payment for the policy) over a specified time period, or
term. If you die during that term, your designated beneficiary will
receive the policy's death benefit. If you do not die during the
policy's term, the policy does not pay any benefit.
Term Life Insurance - Designed to meet
temporary needs, Term life insurance provides protection for a
specific period of time, term and generally pays a benefit if you
die only during the term.
If you outlive the term, the policy becomes null and void. Term life
insurance makes sense when you need a coverage that will
disappear at a specific point in time. The biggest advantage of
term life insurance is the high life cover at fairly low premiums.
Because term life insurance only returns a benefit under specific
circumstances, it is typically cheaper than whole life insurance.
For young people who are just starting their families, getting a
cheap life insurance policy is often the immediate priority.
Also, obtaining protection for a specified term suits their needs,
since their children will grow up and need less financial
protection over time.
If you die during the term period, the company will pay the face
amount of the policy to your beneficiary. If you live beyond the
term period you had selected, no benefit is payable. As a rule,
term policies offer a death benefit with no savings element or
cash value.
Premiums are locked in for the specified period of time under the
policy terms. The premiums you pay for term insurance are lower
at the earlier ages as compared with the premiums you pay for
permanent insurance, but term rates rise as you grow older.
Term plans may be
"convertible" to a permanent
plan of insurance. The coverage can be
"level" providing the same benefit until the policy expires or you
can have "decreasing" coverage during the term period with the
premiums remaining the same.
If you do not pay the premium for your term insurance policy, it
will generally lapse without cash value, as compared to a
permanent type of policy that has a cash value component.
Currently term insurance rates are very competitive and among
the lowest historically experienced.
It should be noted that it is a widely held belief that term
insurance is the least expensive pure life insurance coverage
available. One needs to review the policy terms carefully to
decide which term life options are suitable to meet your
particular circumstances.
Types of Term Insurance:
Renewable Term. Renewable term plans give you the right to
renew for another period when a term ends, regardless of the
state of your health. With each new term the premium is
increased.
The right to renew the policy without evidence of insurability is an
important advantage to you. Otherwise, the risk you take is that
your health may deteriorate and you may be unable to obtain a
policy at the same rates or even at all, leaving you and your
beneficiaries without coverage.
Convertible Term.
Convertible term policies often permit you to exchange the policy
for a permanent plan. You must exercise this option during the
conversion period.
The length of the conversion period will vary depending on the
type of term policy purchased. If you convert within the
prescribed period, you are not required to give any information
about your health.
The premium rate you pay on conversion is usually based on your
"current attained age", which is your age on the conversion date.
This type of policy often provides the maximum protection with
the smallest amount of cash outlay.
Level or Decreasing Term.
Under a level term policy the face amount of the policy remains
the same for the entire period. With decreasing term the face
amount reduces over the period.
The premium stays the same each year. Often such policies are
sold as mortgage protection with the amount of insurance
decreasing as the balance of the mortgage decreases. If the
insured dies the proceeds of the policy can be used to pay off the
mortgage.
Adjustable Premium.
Traditionally, insurers have not had the right to change premiums
after the policy is sold. Since such policies may continue for
many years, insurers must use conservative mortality, interest
and expense rate estimates in the premium calculation.
Adjustable premium insurance, however, allows insurers to offer
insurance at lower "current" premiums based upon less
conservative assumptions with the right to change these
premiums in the future. The premium, however, can never be
more than the maximum guaranteed premiums stated in the
policy.
Optional Riders/Supplemental
Benefits
At the time you purchase a life insurance policy
certain supplemental benefits are available to
you. Usually the addition of a rider is reflected in
an additional charge by the company and may
require that the insured provide evidence of
insurability. Some of the more important riders to
add are:
Waiver of Premium
Waiver of premium provides that your policy will
be kept in force by the company, without further
payment of premiums, if you become totally
disabled before age 60 or 65, after an initial
waiting period.
Total disability will be defined by the terms of the
rider. Premiums are waived as long as your
disability continues and policy benefits including
cash values and dividends (where payable)
continue just as if you had paid the premiums.
This coverage is really a disability benefit and is
both worthwhile and inexpensive.
Automatic Premium Loan Provision
This provision provides that at the end of the
grace period, if the premium due has not been
paid, a policy loan will automatically be made
from the policy’s cash value to pay the premium.
This helps to prevent an unintentional lapse in the
policy.
This provision is often recommended because of
the numerous circumstances when a premium
payment may have inadvertently gone unpaid. The
value of the cash surrender must at least equal
the loan amount plus a year of interest. This
provision must be elected by the policyowner and
can be cancelled at any time by the policyowner.
Disability Income
Disability income provides a monthly income
while you are totally disabled after an initial
waiting period. The monthly disability income
benefit is limited to a percentage of the death
benefit.
Accidental Death Benefit
The accidental death benefit provision provides
an additional amount of insurance in the event
that death of the insured occurs by accident.
Some accidental death benefits will provide for
two or three times the face amount of the policy
for specified types of accidents. The accidental
death must occur prior to a specified age, such
as 65. Among other exclusions, death due to
sickness is excluded.
Guaranteed Insurability
The guaranteed insurability rider gives you the
option to buy a stated amount of additional
insurance at specified intervals up to a maximum
age, usually 40, without presenting evidence of
insurability. Such riders will also provide
alternate dates to obtain additional insurance
such as the date of marriage, the birth or
adoption of a child when you need for insurance
coverage may increase.
This rider guarantees you the option of buying
additional coverage regardless of the state of
your health at the time you request the additional
insurance at premium rates based on your
attained age.
Cost of Living Rider
The cost of living rider enables you to purchase
more insurance each year to help offset
increasing insurance needs due to inflation. The
amount that can be purchased is based on
increases in the cost of living index. This
additional coverage is usually available at low
rates and evidence of insurability need not be
provided for such increases.
Payor Benefit Rider
A rider may be added to the policy of a juvenile
stating that if the payor (the one paying the
premium) dies or becomes totally disabled prior
to the juvenile’s reaching majority, the
subsequent premiums due are automatically
waived.
Spouse Rider
This type of rider will provide level term coverage
on the life of the insurer’s spouse. Such rider will
also provide a conversion provision permitting
the spouse to convert to permanent coverage
without evidence of insurability prior to the
termination of the rider or upon the death of the
insured under the basic policy.
Children’s Rider
This type of rider will generally provide level term
coverage on the life of your children. Such riders
are usually offered at one premium rate and may
cover newborns and adopted children who can
be added to the coverage without increasing the
premium you pay. The rider will also provide a
conversion provision, which will permit each child
to convert to a permanent plan of coverage
without evidence of insurability prior to the
termination of the rider or upon the death of the
insured under the basic policy.
Benefits
At the time you purchase a life insurance policy
certain supplemental benefits are available to
you. Usually the addition of a rider is reflected in
an additional charge by the company and may
require that the insured provide evidence of
insurability. Some of the more important riders to
add are:
Waiver of Premium
Waiver of premium provides that your policy will
be kept in force by the company, without further
payment of premiums, if you become totally
disabled before age 60 or 65, after an initial
waiting period.
Total disability will be defined by the terms of the
rider. Premiums are waived as long as your
disability continues and policy benefits including
cash values and dividends (where payable)
continue just as if you had paid the premiums.
This coverage is really a disability benefit and is
both worthwhile and inexpensive.
Automatic Premium Loan Provision
This provision provides that at the end of the
grace period, if the premium due has not been
paid, a policy loan will automatically be made
from the policy’s cash value to pay the premium.
This helps to prevent an unintentional lapse in the
policy.
This provision is often recommended because of
the numerous circumstances when a premium
payment may have inadvertently gone unpaid. The
value of the cash surrender must at least equal
the loan amount plus a year of interest. This
provision must be elected by the policyowner and
can be cancelled at any time by the policyowner.
Disability Income
Disability income provides a monthly income
while you are totally disabled after an initial
waiting period. The monthly disability income
benefit is limited to a percentage of the death
benefit.
Accidental Death Benefit
The accidental death benefit provision provides
an additional amount of insurance in the event
that death of the insured occurs by accident.
Some accidental death benefits will provide for
two or three times the face amount of the policy
for specified types of accidents. The accidental
death must occur prior to a specified age, such
as 65. Among other exclusions, death due to
sickness is excluded.
Guaranteed Insurability
The guaranteed insurability rider gives you the
option to buy a stated amount of additional
insurance at specified intervals up to a maximum
age, usually 40, without presenting evidence of
insurability. Such riders will also provide
alternate dates to obtain additional insurance
such as the date of marriage, the birth or
adoption of a child when you need for insurance
coverage may increase.
This rider guarantees you the option of buying
additional coverage regardless of the state of
your health at the time you request the additional
insurance at premium rates based on your
attained age.
Cost of Living Rider
The cost of living rider enables you to purchase
more insurance each year to help offset
increasing insurance needs due to inflation. The
amount that can be purchased is based on
increases in the cost of living index. This
additional coverage is usually available at low
rates and evidence of insurability need not be
provided for such increases.
Payor Benefit Rider
A rider may be added to the policy of a juvenile
stating that if the payor (the one paying the
premium) dies or becomes totally disabled prior
to the juvenile’s reaching majority, the
subsequent premiums due are automatically
waived.
Spouse Rider
This type of rider will provide level term coverage
on the life of the insurer’s spouse. Such rider will
also provide a conversion provision permitting
the spouse to convert to permanent coverage
without evidence of insurability prior to the
termination of the rider or upon the death of the
insured under the basic policy.
Children’s Rider
This type of rider will generally provide level term
coverage on the life of your children. Such riders
are usually offered at one premium rate and may
cover newborns and adopted children who can
be added to the coverage without increasing the
premium you pay. The rider will also provide a
conversion provision, which will permit each child
to convert to a permanent plan of coverage
without evidence of insurability prior to the
termination of the rider or upon the death of the
insured under the basic policy.
| Life Insurance: Advantages, Benefits, & Features While Alive and After Death... Learn More Here! GET A FREE INSURANCE QUOTE, Click Here! Life Insurance with a certified, licensed and experienced Agent. South Florida, CONTACT US AT: 786- It makes good sense to have us as your Insurance Agent to help you review your insurance needs and policies. -------------------- I Will Provide You With High Quality Life Insurance and Annuity Products; Great Investment For a Better Tomorrow. {GET A FREE QUOTE-- CLICK HERE} ------------------------ I Offer You My Clients; Integrity, Safety and Stability. A commitment to Fairness and Honesty. Exceptional Personal Service! ANTONY JEANTY Phone- 786- Licensed Real Estate Agent Licensed Mortgage Broker Licensed Insurance Agent |
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 |  |  |  |  |  |  |  |
 | |  | |  | |  | |  |
TERM INSURANCE GENERAL KNOWLEDGE, FOR BETTER CHOICES, BETTER DECISION, AND BETTER SATISFACTION. ----
CALL A FLORIDA LICENSED INSURANCE REPRESENTATIVE AT: 786-631-7740 -
| TALK TO A FLORIDA LICENSED INSURANCE AGENT BY CALLING AT: -. TALK TO A FLORIDA LICENSED REAL ESTATE AGENT AT: - - TALK TO A FLORIDA LICENSED MORTGAGE BROKER AT: - FOR REAL ESTATE FINANCING & REFINANCING. |
..TERM INSURANCE ADVANTAGES, TERM
INSURANCE GENERAL KNOWLEDGE. Buy the term,
and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS
& RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the
insurance companies?
INSURANCE GENERAL KNOWLEDGE. Buy the term,
and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS
& RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the
insurance companies?
..TERM INSURANCE ADVANTAGES, TERM
INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS,
TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits
with the insurance companies?
INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS,
TOOLS & RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits
with the insurance companies?
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and
other dependents with the funds necessary to maintain their standards of living, can
help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car
and/or from liability for damage or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely necessary
on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into consideration
in order to obtain the best coverage for your needs at a reasonable price. For instance,
how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after a
catastrophe and insulate you from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you pay
for. The least costly homeowners insurance will likely give you the least amount of
coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance
premium (age and family medical history), there are steps you can take regarding the
third - lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from the
Latin for “year”. In the context of life insurance, it is a contract between you and an
insurance company under which the insurance company pays you money for a stipulated
period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing healthcare coverage from
your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance plan. In this
article we’ll look at some of the basic coverages which should be included in your
policy.
Business Needs Business Insurance
Three Common Myths About Liability and Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time due to an injury or illness, how
long would you be able to pay your bills and meet your day-to-day expenses? LEARN
MORE...
Life insurance, payable when you die, can provide a surviving spouse, children, and
other dependents with the funds necessary to maintain their standards of living, can
help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car
and/or from liability for damage or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely necessary
on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into consideration
in order to obtain the best coverage for your needs at a reasonable price. For instance,
how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after a
catastrophe and insulate you from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you pay
for. The least costly homeowners insurance will likely give you the least amount of
coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance
premium (age and family medical history), there are steps you can take regarding the
third - lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from the
Latin for “year”. In the context of life insurance, it is a contract between you and an
insurance company under which the insurance company pays you money for a stipulated
period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing healthcare coverage from
your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance plan. In this
article we’ll look at some of the basic coverages which should be included in your
policy.
Business Needs Business Insurance
Three Common Myths About Liability and Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time due to an injury or illness, how
long would you be able to pay your bills and meet your day-to-day expenses? LEARN
MORE...
| ..News Letter: Tax Saving Business News, financial news, the world market. ..Biography & History of the world greatest personalities & politicians,, ..The world worst natural disasters & earthquakes in the history of humanity,, .Inventions. Great Inventions and discoveries of the century,, What are they? .. HAITI: Things you don't know & what you must know. Learn More!,, |
..TERM INSURANCE ADVANTAGES, TERM INSURANCE
GENERAL KNOWLEDGE. Buy the term, and invest the
difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the
insurance companies?
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial
success. Rule Of 72 is the most important and simple
rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The
Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET
LEARN THIS FIRST!...
..GOVERNMENT: Government's general information;
Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe,
Broward, and Palm Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save.
THE TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE
DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST
IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU
KNOW, THE LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator
Problems every investors should know about...--
-- BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH? BUILDING
FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM,
BECOME A RICH PERSON; YES YOU CAN... Learn More!
Financial Education - Financial Knowledge Everything
You Need To Know About Finance.
Dubai- The World Largest, Biggest, Tallest, Greatest of
Almost Everything. Learn more about this magnificent
place and as well as other countries.
COPYRIGHT-- What is Copyright? The Basics About
Copyright Registration. The procedure for copyright
registration.
Do I need copyright protection? How do I register? Learn
More!
..Dealership secrets revealed. Before you buy a car; read
this first... CAR BUYER'S WINNING PLAN!
..AUTO LOANS: Read this first before taking a car loan.
What to avoid when financing a car..
GENERAL KNOWLEDGE. Buy the term, and invest the
difference.
.. INVESTMENT PRODUCTS: Investing & Money
Management Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
INSURANCE PRODUCTS: How to make profits with the
insurance companies?
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial
success. Rule Of 72 is the most important and simple
rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The
Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET
LEARN THIS FIRST!...
..GOVERNMENT: Government's general information;
Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe,
Broward, and Palm Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save.
THE TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE
DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST
IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU
KNOW, THE LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial Calculator
Problems every investors should know about...--
-- BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH? BUILDING
FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM,
BECOME A RICH PERSON; YES YOU CAN... Learn More!
Financial Education - Financial Knowledge Everything
You Need To Know About Finance.
Dubai- The World Largest, Biggest, Tallest, Greatest of
Almost Everything. Learn more about this magnificent
place and as well as other countries.
COPYRIGHT-- What is Copyright? The Basics About
Copyright Registration. The procedure for copyright
registration.
Do I need copyright protection? How do I register? Learn
More!
..Dealership secrets revealed. Before you buy a car; read
this first... CAR BUYER'S WINNING PLAN!
..AUTO LOANS: Read this first before taking a car loan.
What to avoid when financing a car..
..Life Insurance Advantages, Benefits, & Features While
Alive and After Death... Learn More Here!
..Insurance General Information: Ways to Make Money &
Save Money on Your Insurance. Learn More...
..Term Insurance Advantages, Term Insurance General
Knowledge. Buy the Term, and invest the difference.
Learn More...
..Life Insurance Quote. Find out if You Pay too much for
Your Insurance, Or Check How Much You Can Pay For a
Life Insurance...
..Investment Products: Investing & Money Management
Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
Insurance Products: How to make profits with the
insurance companies? Learn More.
..Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS
WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR
BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH ONE OF THE GREATEST
INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING,
FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN
MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE
HERE...
Life Insurance
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents with the
funds necessary to maintain their standards of living, can help
repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
Alive and After Death... Learn More Here!
..Insurance General Information: Ways to Make Money &
Save Money on Your Insurance. Learn More...
..Term Insurance Advantages, Term Insurance General
Knowledge. Buy the Term, and invest the difference.
Learn More...
..Life Insurance Quote. Find out if You Pay too much for
Your Insurance, Or Check How Much You Can Pay For a
Life Insurance...
..Investment Products: Investing & Money Management
Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
Insurance Products: How to make profits with the
insurance companies? Learn More.
..Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS
WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR
BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH ONE OF THE GREATEST
INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING,
FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN
MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE
HERE...
Life Insurance
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents with the
funds necessary to maintain their standards of living, can help
repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
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| LIFE INSURANCE, SOUTH FLORIDA. CALL US AT: --- WE WILL COME TO YOUR HOME AND SIT- DOWN WITH YOU TO SEE WHAT CAN WORK FOR YOU! WE ARE LICENSED BY THE STATE OF FLORIDA. AND ONE OF THE WORLD LARGEST FINANCIAL SERVICE COMPANY PUTS TRUST AND CONFIDENCE IN US TO GO OUT-THERE AND HELP FAMILIES. CALL AT: |
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| WHY YOU SHOULD HAVE LIFE INSURANCE? ------------KNOWLEDGEFINANCIAL.COM 1. Replace income for dependents If people depend on your income, life insurance can replace that income for them if you die. Assure your family a better future. Pay college for kids. South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: - Most importantly for parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults. ------------------ -KNOWLEDGEFINANCIAL.COM 2. Pay final expenses Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance. --------- CALL ANTHONY AT: - 3. Create an inheritance for your heirs Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries. ----------------- KNOWLEDGEFINANCIAL.COM South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: - 3. Pay federal “death” taxes and state “death” taxes Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance. -----------------knowledgefinancial.com 4. Create a source of savings Some types of life insurance create a cash value that can be borrowed or withdrawn on the owner’s request. -- South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: - --Even better if you buy term life insurance not expensive but very good and invest the difference. At withdrawal; you don't have to borrow, no interest charges. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim). --But term life insurance with a separate investment plan is the best. South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: - ----------------- KNOWLEDGEFINANCIAL.COM |
| ..Life Insurance Advantages, Benefits, & Features While Alive and After Death... Learn More Here! ..Insurance General Information: Ways to Make Money & Save Money on Your Insurance. Learn More... ..Term Insurance Advantages, Term Insurance General Knowledge. Buy the Term, and invest the difference. Learn More... ..Life Insurance Quote. Find out if You Pay too much for Your Insurance, Or Check How Much You Can Pay For a Life Insurance... ..Investment Products: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... Insurance Products: How to make profits with the insurance companies? Learn More... -AMERICAN DOLLAR. What are the letters, numbers, and symbols, the latin words, The pyramid mean? FIND-OUT... |
Top 10 Life Insurance Myths
---KNOWLEDGEFINANCIAL.COM
Life insurance is not a simple product. Even
term life policies have many elements that
must be considered carefully in order to
arrive at the proper type and amount of
coverage.
SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE AT:
But the technical aspects of life insurance are far less difficult for most people
to deal with than trying to get a handle on how much coverage they need and
why.
Myth No.1:
I Don't Need Coverage, I'm Single With No Dependents
Even single people need at least enough life insurance to cover the costs of
personal debts, medical and funeral bills.
SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE AT: -
If you are uninsured, you may leave a legacy of unpaid expenses for your family
or executor to deal with. Plus, this can be a good way for low-income singles to
leave a legacy to a favorite charity or other cause.
Myth No.2:
I Only Need Coverage Equal to Twice My Salary---KNOWLEDGEFINANCIAL.COM
You need an amount of life insurance equal to the amount that is actually
required. In addition to medical and funeral bills, you may need to pay off debts
such as your mortgage and provide for your family for several years.
A cash flow analysis is usually necessary in order to determine the true amount
of insurance that must be purchased - the days of computing life coverage
based only on one's income-earning ability are long gone.
Myth No.3:
My Term Life Insurance at Work Is Sufficient
Maybe, maybe not. For a single person of modest means, employer-paid or
provided term coverage may well be enough.
But if you have a spouse or other dependents, or know that you will need
coverage upon your death to pay estate taxes or create an estate for charity,
then additional coverage may be necessary if the term policy does not meet
those needs.
Myth No.4:
The Cost of My Premiums Will Be Deductible--KNOWLEDGEFINANCIAL.COM
Afraid not, at least in most cases.
The cost of personal life insurance is never deductible unless the policyholder
is self-employed and the coverage is used to insure the business. Then the
premiums are deductible on the Schedule C of the Form 1040.
KNOWLEDGEFINANCIAL.COM
Myth No.5:
I Should ALWAYS Buy Term and Invest the Difference
Not necessarily. The cost of term life coverage can become prohibitively high in
later years; therefore, those who know for certain that they must be covered at
death should consider permanent coverage.
The total premium outlay for a more expensive permanent policy may be less
than the ongoing premiums that could last for years longer with a less
expensive term policy.
Myth No.6:
Only Breadwinners Need Life Coverage----KNOWLEDGEFINANCIAL.COM
Nonsense. The cost of replacing the services formerly provided by a deceased
homemaker can be higher than you think, especially when it comes to cleaning
and daycare.
Myths no.7:
Insuring Against The Loss -- SOUTH FLORIDA, CALL THE INSURANCE
REPRESENTATIVE
AT: --
Whether you love it or hate it, everyone should still consider purchasing life
insurance. Unfortunately, when it comes to this insurance, coverage for
non-working spouses is often overlooked, especially if the household is in a
lower income bracket. But the economic replacement cost of a non-working
spouse should never be discounted.
Some estimates say a homemaker is worth $500,000 or more per year
because of the endless list of tasks and burdens that fill a stay-at-home parent's
Myth No.8: ---KNOWLEDGEFINANCIAL.COM
I Should Always Purchase the Return-of-Premium Rider
There are usually different levels of ROP riders available for policies that offer
this feature. Many financial planners will tell you that this rider is not
cost-effective and should be avoided. Whether you include this rider will depend
on your risk tolerance and other possible investment objectives.
A cash flow analysis will reveal whether you could come out ahead by investing
the additional amount of the rider elsewhere versus including it in the policy.
(Riders are available to provide additional benefits that help you customize your
policy.
Myth No.9
I'm Better Off Just Investing My Money
Hogwash. Until you reach the breakeven point of asset accumulation, you need
life coverage of some sort (barring the exception discussed in Myth No.5.) Once
you amass $1 million of liquid assets, you can consider whether to discontinue
(or at least reduce) your million-dollar policy.-----KNOWLEDGEFINANCIAL.COM
But you take a big chance when you depend solely on your investments in the
early years of your life, especially if you have dependents. If you die without
coverage for them, there may be no other means of provision after the depletion
of your current assets.
WWW.KNOWLEDGEFINANCIAL.COM
---KNOWLEDGEFINANCIAL.COM
Life insurance is not a simple product. Even
term life policies have many elements that
must be considered carefully in order to
arrive at the proper type and amount of
coverage.
SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE AT:
But the technical aspects of life insurance are far less difficult for most people
to deal with than trying to get a handle on how much coverage they need and
why.
Myth No.1:
I Don't Need Coverage, I'm Single With No Dependents
Even single people need at least enough life insurance to cover the costs of
personal debts, medical and funeral bills.
SOUTH FLORIDA, CALL THE INSURANCE REPRESENTATIVE AT: -
If you are uninsured, you may leave a legacy of unpaid expenses for your family
or executor to deal with. Plus, this can be a good way for low-income singles to
leave a legacy to a favorite charity or other cause.
Myth No.2:
I Only Need Coverage Equal to Twice My Salary---KNOWLEDGEFINANCIAL.COM
You need an amount of life insurance equal to the amount that is actually
required. In addition to medical and funeral bills, you may need to pay off debts
such as your mortgage and provide for your family for several years.
A cash flow analysis is usually necessary in order to determine the true amount
of insurance that must be purchased - the days of computing life coverage
based only on one's income-earning ability are long gone.
Myth No.3:
My Term Life Insurance at Work Is Sufficient
Maybe, maybe not. For a single person of modest means, employer-paid or
provided term coverage may well be enough.
But if you have a spouse or other dependents, or know that you will need
coverage upon your death to pay estate taxes or create an estate for charity,
then additional coverage may be necessary if the term policy does not meet
those needs.
Myth No.4:
The Cost of My Premiums Will Be Deductible--KNOWLEDGEFINANCIAL.COM
Afraid not, at least in most cases.
The cost of personal life insurance is never deductible unless the policyholder
is self-employed and the coverage is used to insure the business. Then the
premiums are deductible on the Schedule C of the Form 1040.
KNOWLEDGEFINANCIAL.COM
Myth No.5:
I Should ALWAYS Buy Term and Invest the Difference
Not necessarily. The cost of term life coverage can become prohibitively high in
later years; therefore, those who know for certain that they must be covered at
death should consider permanent coverage.
The total premium outlay for a more expensive permanent policy may be less
than the ongoing premiums that could last for years longer with a less
expensive term policy.
Myth No.6:
Only Breadwinners Need Life Coverage----KNOWLEDGEFINANCIAL.COM
Nonsense. The cost of replacing the services formerly provided by a deceased
homemaker can be higher than you think, especially when it comes to cleaning
and daycare.
Myths no.7:
Insuring Against The Loss -- SOUTH FLORIDA, CALL THE INSURANCE
REPRESENTATIVE
AT: --
Whether you love it or hate it, everyone should still consider purchasing life
insurance. Unfortunately, when it comes to this insurance, coverage for
non-working spouses is often overlooked, especially if the household is in a
lower income bracket. But the economic replacement cost of a non-working
spouse should never be discounted.
Some estimates say a homemaker is worth $500,000 or more per year
because of the endless list of tasks and burdens that fill a stay-at-home parent's
Myth No.8: ---KNOWLEDGEFINANCIAL.COM
I Should Always Purchase the Return-of-Premium Rider
There are usually different levels of ROP riders available for policies that offer
this feature. Many financial planners will tell you that this rider is not
cost-effective and should be avoided. Whether you include this rider will depend
on your risk tolerance and other possible investment objectives.
A cash flow analysis will reveal whether you could come out ahead by investing
the additional amount of the rider elsewhere versus including it in the policy.
(Riders are available to provide additional benefits that help you customize your
policy.
Myth No.9
I'm Better Off Just Investing My Money
Hogwash. Until you reach the breakeven point of asset accumulation, you need
life coverage of some sort (barring the exception discussed in Myth No.5.) Once
you amass $1 million of liquid assets, you can consider whether to discontinue
(or at least reduce) your million-dollar policy.-----KNOWLEDGEFINANCIAL.COM
But you take a big chance when you depend solely on your investments in the
early years of your life, especially if you have dependents. If you die without
coverage for them, there may be no other means of provision after the depletion
of your current assets.
WWW.KNOWLEDGEFINANCIAL.COM
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH PERSON; YES YOU
CAN...
..RULE OF 72: The compound interest and
financial success. Rule Of 72 is the most
important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million?
The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK
MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general
information; Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe,
Broward, and Palm Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to
Save. THE TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE
DIFFERENCE WHEN AN INVESTOR DECIDES TO
INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT
OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE
MORE YOU KNOW, THE LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial
Calculator Problems every investors should know
about...
...REAL ESTATE MARKET: TODAY'S GREAT DEALS
FOR FIRST-TIME HOME-BUYERS & FOR EVERYONE
AS NEVER SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE TREMENDOUS
AMOUNT OF WEALTH...
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH PERSON; YES YOU
CAN...
..RULE OF 72: The compound interest and
financial success. Rule Of 72 is the most
important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million?
The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK
MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general
information; Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe,
Broward, and Palm Beach County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to
Save. THE TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING TECHNIQUES AND
STRATEGIES TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE
DIFFERENCE WHEN AN INVESTOR DECIDES TO
INVEST IN REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE BEST OUT
OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION REPORTS TO
NEGOTIATE SALE PRICE?...
...ACCOUNTING: The Basics of Accounting...
...TAXES: THE FUNDAMENTAL OF TAXES. THE
MORE YOU KNOW, THE LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate Financial
Calculator Problems every investors should know
about...
...REAL ESTATE MARKET: TODAY'S GREAT DEALS
FOR FIRST-TIME HOME-BUYERS & FOR EVERYONE
AS NEVER SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE TREMENDOUS
AMOUNT OF WEALTH...
| LISTING YOUR PROPERTY FOR SALE FAST & FOR THE TOP PRICE! ATTENTION HOME SELLERS: CALL A REALTOR AT: 786-631-7740 LET US HELP YOU SELLING YOUR PROPERTY. WITH US: IS MORE ADVERTISEMENT, MORE EXPOSURE, MORE SHOWINGS, MORE OFFERS, AND MORE MONEY FOR YOUR PROPERTY! CALL: ---- SOUTH FLORIDA |
| --Have You Talked to a Representative Lately? If not, Give them a call.. , South Florida #: -- --New Opportunities Are Only a Phone Call Away. This company is in the Business of Changing Lives by Helping Families Becoming Debt Free, Be Properly Protected, and Financially Independent. How? South Florida, Call a Representative at: 786- -- ''INSURANCE-- Everything You Need to Know About Insurance; South Florida, Call ANTHONY The Insurance Representative At: 786- - - Get an Insurance Quote, Look How much a Policy Can Cost You, or See If You're Paying Too Much For a Policy.-- Get a Free Quote! With No Obligation-- Learn About The Top 10 Insurance Myths... GET THE BEST INSURANCE ADVICE EVER... - Financial Services- Primerica Life Insurance Company. What We Do, How we do it? EVERYTHING YOU WANT TO KNOW... |
| As a Professional; I am Dedicated to Protecting my Clients Welfare. I Will Provide You With High Quality Life Insurance. SOUTH FLORIDA, CALL ANTHONY THE REPRESENTATIVE AT: 786- AFFORDABLE LIFE INSURANCE: BEST PRICES, BEST PLAN, WITH THE BEST COMPANY. LEARN THE UNKNOWN SECRETS OF INSURANCE.. PROFITS, FEATURES, BENEFITS, ADVANTAGES WHILE ALIVE AND AFTER DEATH. TO KNOW MORE: CONTACT ANTHONY AT: - SOUTH FLORIDA, CALL ANTHONY THE INSURANCE REPRESENTATIVE AT: - WE HELP PEOPLE PROPERLY PROTECTED, WE OFFER LOW COST LIFE INSURANCE. BUY THE TERM & INVEST THE DIFFERENCE. |
| #1. LIFE INSURANCE: BECAUSE.. In Life There Are -2- Two Things: Whether You Live Older, or You Die Younger. Be Properly Protected Just in Case if You Die Younger to Minimize the Financial Trouble for Your Love One. KNOWLEDGEFINANCIAL.COM You Can Stop, You Can Avoid Your Love One From Calling Friends, and other Family Members for Contribution to cover burial costs. -- Protect Your Dignity! SOUTH FLORIDA, CALL ANTHONY THE INSURANCE REPRESENTATIVE AT: 786- -- Life Insurance Can Help You Stop your family, Your love one from crying twice. #1- Because you gone, #2 Because of the problems, Financial trouble you left behind. |
| Get a Free Life Insurance Quote With No Obligation. Low Cost Life Insurance, But Very Good Plan With One Of The Best, Largest Insurance Company.---- |
| ''Insurance: Get a Free Quote With No Obligation. Low Cost Term Life Insurance, But Very Good. By The Term, Invest The Difference. ''FREE QUOTE, FAST & EASY''''Find Out How Much You Can Save On Life Insurance- 'REQUEST A FREE QUOTE TODAY'' Find Out If You're Paying Too Much For Life Insurance. ''AFFORDABLE LIFE INSURANCE: BEST PRICES, BEST PLAN, WITH THE BEST COMPANY. SOUTH FL. CALL AT: -- .-New Opportunities May be Only a Phone Call Away. This Financial Services Company is in the Business of Changing Lives by Helping Families to Be Be Properly Protected, -- |
| LISTING YOUR PROPERTY FOR SALE FAST & FOR THE TOP PRICE! ATTENTION HOME SELLERS: CALL A REALTOR AT: 786- LET US HELP YOU SELLING YOUR PROPERTY. WITH US: IS MORE ADVERTISEMENT, MORE EXPOSURE, MORE SHOWINGS, MORE OFFERS, AND MORE MONEY FOR YOUR PROPERTY! CALL: 786- --- SOUTH FLORIDA |
| Life insurance is a fundamental necessity to ensure the protection of the financial future of your family. Protecting your family against lost of income in case you no longer present. SOUTH FLORIDA, CALL ANTHONY THE INSURANCE REPRESENTATIVE AT: - Life Insurance Can Help You Stop your family, Your love ones from crying twice. #1- Because you gone, #2 Because of the problems, Financial trouble you left behind. |
| #1. LIFE INSURANCE: BECAUSE.. In Life There Are -2- Two Things: Whether You Live Older, or You Die Unexpected, Even sometimes Younger. -------------------------------- Be Properly Protected; Just in Case if You Die Younger to Minimize the Financial Trouble for Your Love Ones. SOUTH FLORIDA, CALL ANTHONY THE INSURANCE REPRESENTATIVE AT: - ------------- |
| Life insurance is the key to insuring the financial future and basic needs Protecting your family against the economic difficulties; however a suitable life policy can relieve financial burden on the ones you left behind. Family Treasure; Life Insurance Can be a Great One. Call Anthony The Insurance Representative At: - The Entire Family Can Cover For The e Low Price no Matter How Many children You Have or Will Have, All Cover Under One Policy. |
| Having a good, suitable life insurance can safeguard your family against financial catastrophes arising from your absent. Certainly there is a plan to better help yourself, your family, your friends and other families to be properly protected.. South Florida, Call Anthony The Insurance Representative At: 786- Or |
Understanding Life Insurance Before you assume that you cannot afford life insurance protection, CONTACT US AT:- OR WE WILL HELP YOU EXAMINE ALL THE POSSIBILITIES AVAILABLE. life insurance policies are among a variety of possible plans for individuals looking for stability against the uncertainty of future life events. --------- |
| What type of insurance is best for me? With all of the plan choices, options, limits, and add-ons, figuring out which policy is best for you and your family can be overwhelming. Keep one thing in mind: WHEN YOU CONTACT US, WE'LL COME TO YOU IF YOU CAN NOT COME TO US. WE WILL SIT WITH YOU TO HELP YOU EXPLORE ALL THE POSSIBILITIES. ------------------------------------------ To connect with one of our knowledgeable representatives immediately. CALL US AT: 786- - OR OR You can also send us an EMAIL l or VISIT: KNOWLEDGEFINANCIAL.COM TO KNOW HOW MUCH A POLICY CAN COST YOU. --------------------------------- |
| Life insurance is an important precaution when it comes to insuring the financial future and wellbeing of your family and also to protect your dignity. South Fl. Call Anthony The Insurance Representative At: 786- Or VISIT: www.financialacademyschool.com/ ---------------------------------- Be Properly Protected With a Good Insurance Policy. Affordable Life Insurance: Best Price, Best Plan With The Best Company. Call At: 786- |
| Life insurance is a fundamental necessity to ensure the protection of the financial future of your family. Protecting your family against lost of income in case you no longer present. ------------------- AFFORDABLE LIFE INSURANCE: BEST PRICES, BEST PLAN, WITH THE BEST COMPANY. SOUTH FLORIDA, CALL ANTHONY THE LIFE INSURANCE REPRESENTATIVE AT: 786- - |
Life insurance plays a pivotal role in securing the
financial future and well-being of a family. Purchasing
suitable life insurance coverage for your family could be the best
decision you take.
--------------
,LIFE INSURANCE YOU HAVE QUESTIONS, WE HAVE
ANSWERS.
CALL ANTONY AT: 786-
WE HAVE A PLAN TO BETTER HELP YOURSELF, YOUR
FAMILY, YOUR FRIENDS, AND OTHER FAMILIES TO BE
PROPERLY PROTECTED.
-------------------
Life insurance has always been an essential element of a
personal finance plan of any family who understand the real
value of Life Insurance. Buying appropriate life insurance
coverage for you and your family is smart move.
Life Insurance Plan Is Available For Every Wallet; Low Cost
Premium, Very Affordable Plan With
A Great Company. For More Info, South FL. CALL
ANTHONY AT: 786--
<Be Properly Protected With a Good Life Insurance Policy>
Available At Very Low Rates, -''Child Term Rider Every Kids
Cover Under Parents,
''Disability Waiver of Premium In Case You Become Disable,
No More Payments.
''At Certain Amount: No physical exam required
EXCELLENT LIFE INSURANCE PLAN: BEST PRICES, WITH
ONE OF THE BEST COMPANY..
financial future and well-being of a family. Purchasing
suitable life insurance coverage for your family could be the best
decision you take.
--------------
,LIFE INSURANCE YOU HAVE QUESTIONS, WE HAVE
ANSWERS.
CALL ANTONY AT: 786-
WE HAVE A PLAN TO BETTER HELP YOURSELF, YOUR
FAMILY, YOUR FRIENDS, AND OTHER FAMILIES TO BE
PROPERLY PROTECTED.
-------------------
Life insurance has always been an essential element of a
personal finance plan of any family who understand the real
value of Life Insurance. Buying appropriate life insurance
coverage for you and your family is smart move.
Life Insurance Plan Is Available For Every Wallet; Low Cost
Premium, Very Affordable Plan With
A Great Company. For More Info, South FL. CALL
ANTHONY AT: 786--
<Be Properly Protected With a Good Life Insurance Policy>
Available At Very Low Rates, -''Child Term Rider Every Kids
Cover Under Parents,
''Disability Waiver of Premium In Case You Become Disable,
No More Payments.
''At Certain Amount: No physical exam required
EXCELLENT LIFE INSURANCE PLAN: BEST PRICES, WITH
ONE OF THE BEST COMPANY..
| '' Life Insurance Plan Is Available For Every Wallet; Very Affordable Plan With A Great Company. '' Life Insurance Policy: South Florida Call Us At: 786-631-7740 We Will Meet You At Your Most Convenient Place.. ''We'll Bring To You Life Insurance Right In Your Door Step, Right In Your Kitchen Table. Call Anthony The insurance Representative At: - - Be Properly Protected With a Good - Life Insurance Policy> - EXCELLENT LIFE INSURANCE PLAN: BEST PRICES, WITH One Of THE BEST COMPANY |
Buying term and investing the
difference
Is a concept involving term life insurance and
investment strategies that allows individuals
to eventually "self Insure"
and provides an alternative to permanent life
insurance. Generally speaking term
insurance premiums are considerably less
expensive in the short term than permanent
life insurance for an individual for the same
benefit amount..
difference
Is a concept involving term life insurance and
investment strategies that allows individuals
to eventually "self Insure"
and provides an alternative to permanent life
insurance. Generally speaking term
insurance premiums are considerably less
expensive in the short term than permanent
life insurance for an individual for the same
benefit amount..
Buy The Term And Invest The Different;
Permanent programs are more expensive because they force the
policy owner to "Self Insure" by combining some form of cash
accumulation with the insurance program as a single package.
Consumers making use of the "buy term and invest the
difference" concept separate their investments from their
insurance by setting aside money every month equal to the
premium that a permanent plan would require,
then use a portion of this money for the term premium and place
the rest in a tax-deferred investment vehicle.
Permanent programs are more expensive because they force the
policy owner to "Self Insure" by combining some form of cash
accumulation with the insurance program as a single package.
Consumers making use of the "buy term and invest the
difference" concept separate their investments from their
insurance by setting aside money every month equal to the
premium that a permanent plan would require,
then use a portion of this money for the term premium and place
the rest in a tax-deferred investment vehicle.
Buy The Term And Invest The Different
The advantages of this strategy, if implemented correctly by the
Theory of Decreasing Responsibility, are the ability to Self insure
and get rid of the need for insurance,
immediate accumulation of investment moneys, more investment
options that allow for similar tax advantages, and return of cash
accumulation.
Other advantages include elimination of loans and stability in the
death benefit.
The advantages of this strategy, if implemented correctly by the
Theory of Decreasing Responsibility, are the ability to Self insure
and get rid of the need for insurance,
immediate accumulation of investment moneys, more investment
options that allow for similar tax advantages, and return of cash
accumulation.
Other advantages include elimination of loans and stability in the
death benefit.
Buy The Term And Invest The Different
Immediate accumulation of investment money[edit]
With the concept of buying term instead of permanent insurance,
more investment vehicles are available, all of which are
independent of the insurance program and remain in control of
the insured if the insurance portion is canceled.
All cash accumulated is available based on the investment
vehicle selected by the investor not the insurance company
(granted the investment vehicle could be a sock drawer in which
the cash is readily accessible but not growing).
Immediate accumulation of investment money[edit]
With the concept of buying term instead of permanent insurance,
more investment vehicles are available, all of which are
independent of the insurance program and remain in control of
the insured if the insurance portion is canceled.
All cash accumulated is available based on the investment
vehicle selected by the investor not the insurance company
(granted the investment vehicle could be a sock drawer in which
the cash is readily accessible but not growing).
WHOLE LIFE / Permanent or whole life insurance
/ Cash Value (life insurance.
This type of insurance typically provides a death
benefit for the lifetime of an insured person up to age
100) policies usually direct a portion of the premium
payment to a sub-account within the policy, called cash
value and the other portion to insurance.
BAD NEWS, VERY BAD NEWS:
#1. This type of plan takes time to accumulate money.
#2. You've to borrow from it with high interest.
#3. If you borrowed money from the CASH VALUE and
you die; a deduction will be made in the FACE
AMOUNT. Meaning that your beneficiaries, family, love
ones will receive less money.
#4. If you die, whatever the amount of money you have
in the investment part ( SEPARATE ACCOUNT} WILL
NOT GO TO YOUR BENEFICIARIES, FAMILY, LOVE
ONES.
It belongs to the insurance company.
/ Cash Value (life insurance.
This type of insurance typically provides a death
benefit for the lifetime of an insured person up to age
100) policies usually direct a portion of the premium
payment to a sub-account within the policy, called cash
value and the other portion to insurance.
BAD NEWS, VERY BAD NEWS:
#1. This type of plan takes time to accumulate money.
#2. You've to borrow from it with high interest.
#3. If you borrowed money from the CASH VALUE and
you die; a deduction will be made in the FACE
AMOUNT. Meaning that your beneficiaries, family, love
ones will receive less money.
#4. If you die, whatever the amount of money you have
in the investment part ( SEPARATE ACCOUNT} WILL
NOT GO TO YOUR BENEFICIARIES, FAMILY, LOVE
ONES.
It belongs to the insurance company.
''Buy The Term And Invest The Different
GOOD NEWS - VERY GOOD NEWS!
Buy term life insurance WITH an investment plan.
NOT ATTACH TO, BUT SEPARATE INVESTMENT
#1. That's your investment money, you're FREE to
get it anytime you want.
#2. It's your money, you don't have to borrow from
it at high interest.
#3. If you die, this money belongs to your
beneficiaries, your family, your love ones because
of loan
#4. Your investment money will grow overtime. And
after certain amount of years . The interest
of that investment would probably be enough to
pay all your bills.
{THAT'S FINANCIAL INDEPENDENT - FINANCIAL
FREEDOM}
GOOD NEWS - VERY GOOD NEWS!
Buy term life insurance WITH an investment plan.
NOT ATTACH TO, BUT SEPARATE INVESTMENT
#1. That's your investment money, you're FREE to
get it anytime you want.
#2. It's your money, you don't have to borrow from
it at high interest.
#3. If you die, this money belongs to your
beneficiaries, your family, your love ones because
of loan
#4. Your investment money will grow overtime. And
after certain amount of years . The interest
of that investment would probably be enough to
pay all your bills.
{THAT'S FINANCIAL INDEPENDENT - FINANCIAL
FREEDOM}
| ''Insurance Important Clauses You Should Pay Attention To In A Policy''. & How To Reduce Insurance Premium... ''The 12 Most Important Benefits & Advantages In One Particular Insurance Everyone Suppose To Know About... ''The 10 Top Insurance Myths You Should Be Aware, & Learn About' |
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| 1531 |
| 631-7740 |
| 6317740 |
| 631-7740 |
| 631-7740 |
| 631-7740 |
| 631-7740 |
Get Term Life Insurance Coverage for as low as $20 per
month
What is Term Life Insurance
Term Life Insurance is often considered to be one of the simplest and most affordable life insurance products
available. It's a popular choice because it offers:
-------------------------------------
Affordable Fixed
Monthly Rates
-----------------------------
Variety of
Term Lengths
-------------------------
Guaranteed
Death Benefits
---------------------
Peace of
Mind
-----------------------------------------
Why Do Someone Needs Term Life Insurance?
Term life insurance can help protect your loved ones when you no longer can help with:
Mortgage Payments
College Tuition
Debt/Credit
Monthly Income
-----------------------------
Financial Stability
To protect your family’s future, you want a life insurance company that you can depend on and trust in its
ability to pay any claims presented. We represent only The Best Of The Best Insurance Companies in
America they have excellent financial strength ratings.
=======================
Term Life Insurance:
With a term life insurance policy, you are buying protection for a certain number of years. With Prudential’s
term life policy, you can choose the length of coverage you need including 10, 15, 20, 30, and even 35 year
policy term limits.
--------------------------
Your policy premium is guaranteed not to increase during the level-
premium period. The level-premium period varies with different types of policies.
A benefit of the term life policy is that you can convert this policy to a permanent policy without having to
undergo a new medical exam.
You may customize your policy to include coverage for your children while they are still young and add an
option to pay additional benefits if you die as the result of an accident for an additional charge.
Some policy options allow you to borrow against your life insurance policy or receive a cash back benefit
after you reach a certain age.
month
What is Term Life Insurance
Term Life Insurance is often considered to be one of the simplest and most affordable life insurance products
available. It's a popular choice because it offers:
-------------------------------------
Affordable Fixed
Monthly Rates
-----------------------------
Variety of
Term Lengths
-------------------------
Guaranteed
Death Benefits
---------------------
Peace of
Mind
-----------------------------------------
Why Do Someone Needs Term Life Insurance?
Term life insurance can help protect your loved ones when you no longer can help with:
Mortgage Payments
College Tuition
Debt/Credit
Monthly Income
-----------------------------
Financial Stability
To protect your family’s future, you want a life insurance company that you can depend on and trust in its
ability to pay any claims presented. We represent only The Best Of The Best Insurance Companies in
America they have excellent financial strength ratings.
=======================
Term Life Insurance:
With a term life insurance policy, you are buying protection for a certain number of years. With Prudential’s
term life policy, you can choose the length of coverage you need including 10, 15, 20, 30, and even 35 year
policy term limits.
--------------------------
Your policy premium is guaranteed not to increase during the level-
premium period. The level-premium period varies with different types of policies.
A benefit of the term life policy is that you can convert this policy to a permanent policy without having to
undergo a new medical exam.
You may customize your policy to include coverage for your children while they are still young and add an
option to pay additional benefits if you die as the result of an accident for an additional charge.
Some policy options allow you to borrow against your life insurance policy or receive a cash back benefit
after you reach a certain age.
MORE INFO RIGHT HERE!
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