Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Top 50 Christmas Quotations

  1. "Let us remember that the Christmas heart is a giving heart, a wide open heart that thinks of others first. the healing medicine of love which has transformed all manner of hearts for almost two thousand years … Underneath all the bulging bundles is this beating Christmas heart. " - George Matthew Adams
  2. "The rooms were very still while the pages were softly turned and the winter sunshine crept in to touch the bright heads and serious faces with a Christmas greeting." - Louisa May Alcott
  3. "Christmas Eve was a night of song that wrapped itself about you like a shawl. But it warmed more than your body. - Bess Streeter Aldrich
  4. "The perfect Christmas tree? All Christmas trees are perfect!" - Charles N. Barnard
  5. "Gifts of time and love are certainly the basic ingredients of a truly merry Christmas." - Peg Bracken
  6. "The earth has grown old with its burden of care But at Christmas it always is young, The heart of the jewel burns lustrous and fair And its soul full of music breaks the air, When the song of angels is sung." - Phillips Brooks
  7. "I am not alone at all, I thought. I was never alone at all. And that, of course, is the message of Christmas. indifferent. For this is still the time God chooses. " - Taylor Caldwell
  8. "Remember, if Christmas is not found in your heart, you will not find it under a tree." - Charlotte Carpenter
  9. "Christmas is not a time nor a season, but a state of mind. To cherish peace and goodwill, to be plenteous in mercy, is to have the real spirit of Christmas." - Calvin Coolidge
  10. "Christmas, in its final essence, is for grown people who have forgotten what children know." Christmas is for whoever is old enough to have denied the unquenchable spirit of man. " - Margaret Cousins
  11. "Without we make Christmas an occasion to share our blessings, all the snow in Alaska will not make it 'white'." - Bing Crosby
  12. "Whatever else be lost among the years, Let us keep Christmas still a shining thing: Whatever doubts assail us, or what what fears, Let us hold close one day, remembering its poignant meaning for the hearts of men. faith again. " - Grace Noll Crowell
  13. "It is the personal thoughtfulness, the warm human awareness, the reaching out of the self to one's fellow man that makes giving worthy of the Christmas spirit." - Isabel Currier
  14. "Something about an old-fashioned Christmas is hard to forget." - Hugh Downs
  15. "They err who thinks Santa Claus comes down through the chimney; he really enters through the heart." - Mrs. Paul M. Ell
  16. "Christmas, my child, is love in action." - Dale Evans
  17. "Do give books – religious or otherwise – for Christmas. They're never fattening, seldom sinful, and permanently personal." - Lenore Hershey
  18. "My first copies of Treasure Island and Huckleberry Finn still have some blue-spruce needles scattered in the pages. They smell of Christmas still." - Charlton Heston
  19. "At Christmas, all roads lead home." - Marjorie Holmes
  20. "My idea of ​​Christmas, whether old-fashioned or modern, is very simple: loving others. - Bob Hope
  21. "The joy of brightening other lives, bearing each others' burdens, easing other's loads and supplanting empty hearts and lives with generous gifts becomes for us the magic of Christmas." - WC Jones
  22. "A Christmas candle is a lovely thing; It makes no noise at all, but softly gives itself away; While quite lonely, it grows small." - Eva K. Logue
  23. "Were I a philosopher, I should write a philosophy of toys, showing that nothing else in life need to be taken seriously, and that Christmas Day in the company of children is one of the few occasions on which men become absolutely alive." - Robert Lynd
  24. "Blessed is the season which engages the whole world in a conspiracy of love." - Hamilton Wright Mabi
  25. "The merry family gatherings – The old, the very young; The strangely lovely way they harmonize in carols sung. For Christmas is tradition time – Traditions that recall the precious memories down the years, The sameness of them all." - Helen Lowrie Marshall
  26. "There is no ideal Christmas; only the one Christmas you decide to make as a reflection of your values, desires, affections, traditions." - Bill McKibben
  27. "I wish we could put up some of the Christmas spirit in jars and open a jar of it every month." - Harlan Miller
  28. "Christmas is the keeping-place for memories of our innocence." - Joan Mills
  29. "Christmas is, of course, the time to be home – in heart as well as body." - Garry Moore
  30. "What is Christmas? It is tenderness for the past, courage for the present, hope for the future. - Agnes M. Pharo
  31. "Mankind is a great, an immense family … This is proved by what we feel in our hearts at Christmas." - Pope John XXIII
  32. "One of the most glorious messes in the world is the mess created in the living room on Christmas day. Do not clean it up too quickly." - Andy Rooney
  33. "Christmas – that magic blanket that wraps itself about us, that something so intimate that it is like a fragrance. day of remembrance – a day in which we think of everything we have ever loved. " - Augusta E. Rundel
  34. "Christmas is doing a little something extra for someone." - Charles Schulz
  35. "As long as we know in our hearts what Christmas bought to be, Christmas is." - Eric Sevareid
  36. "Christmas is the day that holds time together." - Alexander Smith
  37. "Christmas renews our youth by stirring our wonder. The capacity for wonder has been called our most pregnant human faculty, for in it are born our art, our science, our religion." - Ralph Sockman
  38. "Christmas … is not an eternal event at all, but a piece of one's home that one carries in one's heart." - Freya Stark
  39. "Christmas is a day of meaning and traditions, a special day spent in the warm circle of family and friends." - Margaret Thatcher
  40. "At Christmas play and make good cheer, For Christmas comes but once a year." - Thomas Tusser
  41. "What do you call people who are afraid of Santa Claus? Claustrophobic." - Unknown
  42. "Perhaps the best Yuletide decoration is being wrought in smiles." - Unknown
  43. "If there is no joyous way to give a festive gift, give love away." - Unknown
  44. "Until one dreams the spirit of Christmas, there is no Christmas. All else is outward display – so much tinsel and decorations. Firelight's glow. It's the warmth that comes to the hearts of men when the Christmas spirit returns again. " - Unknown
  45. "Many banks have a new kind of Christmas club in operation. The new club helps you save money to pay for last year's gifts." - Unknown
  46. "Are you willing to believe that love is the strongest thing in the world – stronger than hate, stronger than evil, stronger than death – and that the blessed life which began in Bethlehem nineteen hundred years ago is the image and brightness of the Eternal Love ? Then you can keep Christmas. " - Henry Van Dyke
  47. "Christmas is for children. But it is for grownups too. Even if it is a headache, a chore, and nightmare, it is a period of necessary defrosting of chill and hide-bound hearts." - Lenora Matttingly Weber
  48. "Like snowflakes, my Christmas memories gather and dance – each beautiful, unique and too soon gone." - Deborah Whipp
  49. "Somehow, not only for Christmas, But all the long year through, The joy that you give to others, Is the joy that comes back to you. your heart's possessing, Returns to you glad. " - John Greenleaf Whittier
  50. "Never worry about the size of your Christmas tree. In the eyes of children, they are all 30 feet tall." - Larry Wilde

Why Search Engine Optimization Is Necessary

When you search for a certain something on a search engine it opens up a number of pages containing possible answers for your search. These answers are your search results and the pages which contain these are the SERP or Search Engine Result Pages. Now, consider the many times that you have probably used a search engine, and the many results which each of these searches have raked up. If you think about it closely you will probably discover that out of all those million SERPs that you have opened up through your searches each time you have probably visited at the very most the first 3 pages of results, the rest you have ignored like they didn 't even exist.

As the owner of a website being thus ignored by visitors and sidelined by search engines has probably kept you up nights wondering exactly how you might better the position of your site. Well the answer is simple; through SEO.

SEO, or Search Engine Optimization refers to a process by means of which a website earns high ranking among the search results, gets a coveted place on the SERP and therey pulls in a large chunk of unique visitors.

Who needs SEO?

Websites can broadly be classified into 4 different types:

Personal sites

Corporate Sites

Sites providing information

E-commerce sites

As is obvious the first two types of websites can hold their own without using SEO. That is because they are target group is in itself a niche and it does not want or need audiences beyond that niche. However, that can not be said for the last two types of websites. If you build a site primarily to circulate information or for commercial use then you would definitely need unique visitors, these may be found only by means of good ranking on SERPs and therefore by means of SEO.

Another important consideration, while on the topic of content, is keywords. Your keywords are words or phrases which summarize or represent the main topic or subject of your site, when a search engine scans the body of your websites text it picks up these repeating words and match them with the words being searched if they match then you get a high ranking.

When selecting your keywords make sure you choose words which are most likely to be used by users searching for a site like yours or subjects covered by your site. After you have selected them sprinkle them abundantly within the text of your site. However be careful that you do not unnecessarily stuff them at inappropriate junctures cause that might attract criticism or even a penalty. Your keyword density per page can be anywhere between 5-15%, depending on of course how skillfully you may choose to repeat them. Make sure that you use your key words / phrases freely in the first two paragraphs of the text. Also, remember to include them in the concluding line of your text. But most importantly use them in your anchor text, certain Search Engines like Google put a lot of importance on the anchor text of your inbound links.

Judge for yourself

Here are the reasons we think optimization is a must, you decide for yourself.

More than 80% of net-users find websites by means of search engines.

90% of these users do not bother to check beyond the first 30 results.

75% of those using search engines intend to buy a product or service.

Professional SEO is twice as effective as all other internet marketing methods and 8 times more effective than banner advertisements.

Choosing the Best Clothes Steamer For Your Garments

When it comes to choosing the best clothes steamer there are several things to take into consideration. One is the size of the unit you want. Do you need to be able to travel with it? Also consider the amount of clothing you may frequently steam and the price you want to spend on a unit.

A clothes steamer operates with plain tap water. A good one can remove wrinkles from your clothing faster than ironing. They work especially well on silk, cashmere, wool or cotton jersey and steam is very gentle on fabrics. They also work well to refresh clothing between dry cleaning, saving you money. A portable or hand held clothing steamer can be used to steam many things, such as drapes and upholstery.

Hand Held or Professional Garment Steamer

There are two sizes available. The full size unit and the hand held unit. The full size unit usually will have a few more functions than a hand held. There may be an automatic shut-off, the ability to control the amount of steam, and a place to hold the steam nozzle. The hand held steamer will be cheaper in price. The nozzle will be smaller, which may be good depending on the garment you are steaming. It is easier to store and it can be used in any room of the house, as it can easily move with you. The one drawback about the smaller units is that they need to be refilled more frequently.

Features of a Professional Garment Steamer

The average full size unit has a base with a boiler in it. A plastic tank sits on the boiler. You fill this tank with water and invert it. The more water the tank holds the longer the steamer operates without refills. A typical one gallon tank model will produce steam for ninety minutes straight.

Some of the full size fabric steaming models come with steam setting controls, much like an iron. The settings can be adjusted according to the fabric being steamed as some require more heat than others. The typical cost range is $120-$200 with a wattage from 1,200-2,000 watts. A press pad can be used as well. This will keep the garment in place and lessen the chance that you will scald your hand. Many come with garment hanging rods and accessories like crease tools, lint removers and or an upholstery brush.

Best Travel Clothes Steamer

The best clothes steamer if you travel may be a hand held model. They are easy to pack and some weigh as little as 1.5 pounds. This type of unit will have a one piece design. Most produce nonstop steam but some have a push button steamer. This will only allow the steam out only when the button is pushed. The steam time is much shorter than that of a full size unit, producing steam for no more than 15 minutes.

If you need to steam more than a few garments you will need to refill the water tank. These do come with a travel pouch and sometimes a fabric brush and lint pad. Usually the more watts the machine has the hotter the steam. This is not always the case as some of the models with lessor wattage were tested and found to give greater and hotter amounts of steam. The wattage can range from 200-1,000 watts at a cost of $30-$60.

Best Clothes Steamer for You

The best clothes steamer will have the hottest steam to make removing wrinkles easy in one pass. The full size will have a place to hang your clothing while steaming and a holder for the steam nozzle. The hand held unit should be light, compact and still pump out great amounts of steam to get the job done.