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    Free Essay
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    Supplemental medical insurance what is supplemental health insurance

     

    Group health insurance rates have been increasing year after year and employers have been forced to make some drastic changes in their employee benefit programs. Many employers have changed their health insurance to high deductible plans. Dental Insurance has been discontinued by some companies as well as vision care. Disability programs have been trimmed down as well as group life insurance. This has created gaps in coverage and employees have had to look for alternatives for coverage that has been omitted or decreased in their benefit package. The answer to this problem has come in the form of supplemental health insurance. Supplemental health insurance companies will enroll employees with these products and the premiums are paid through payroll deduction. Supplemental health Insurance Products 1. Disability Insurance – Supplemental disability insurance is sold to employees to fill in gaps or replace lost benefits. Long term and short term disability insurance can be purchased with a variety of waiting periods and benefit periods. 2. Life Insurance – Supplemental life insurance includes a variety of permanent plans as well as term life insurance. There are non-medical life policies available for larger groups when a certain amount of employees participate in the plan. 3. Dental Insurance – This is one of the more popular supplemental health products because it usually the first discontinued by the employer. 4. Cancer Insurance – The cancer policy is a single need policy with relatively low premiums. 5. Accident Insurance – The accident policy covers accidental injury and death. There are accident disability riders on some accident policies. 6. Hospital Income – The hospital income policy pays a daily dollar rate to the insured while hospitalized. These policies can pay as low as $10 per day and as high as $200 for each day hospitalized. The need for supplemental insurance is stronger than ever before. These policies can also be purchased on an individual basis with most companies.

         
    Taking a new look at annuities

     

    A growing number of individuals looking for new sources of retirement income are considering annuities. An annuity is a type of contract between a private individual and a financial services or life insurance company. The individual pays a sum of money that is invested and in return the company makes periodic payments to the individual as specified in the contract. Annuity earnings are tax deferred, which means federal income taxes on gains are not payed until funds are withdrawn. Most annuities allow you to contribute additional money at any time. The Insurance Marketplace Standards Association (IMSA) suggests you consider some key questions if you are thinking of purchasing an annuity: Is the annuity I'm considering the right one for me? Be sure you understand what you're buying. Review the product and consider whether it is the most appropriate for your age, personal financial needs and objectives and risk tolerance. Will you need the money you're spending on this annuity in the next few years? Annuities are designed for the long term. If you decide to withdraw the money in the next few years, you may be subject to fees or penalties. What will I gain-or lose-by exchanging one annuity for another? Carefully compare your old product with the new one. Are the benefits the same? Is there a surrender charge for the switch? Will there be new surrender periods? When choosing an insurance company, make sure the company is reputable. A good place to start is to look for the IMSA logo. Only insurance companies that have proven through extensive independent review that they adhere to IMSA's stringent Principles and Code of Ethical Market Conduct may display this logo.

         
    Tell the insurers everything when you apply for life and critical illness insurance

     

    The failure to disclose information, especially medical information, is the most common reason why an insurer will reject a claim on a life or critical illness policy. To help underline some issues, we want to tell you a true story - but we've concealed the policyholders' name and a few other aspects to preserve anonymity. Mrs A was fighting a secondary infection following surgery to remove cancerous lymph nodes in her groin when she received further bad news. Her critical illness insurer was refusing to pay out the Ј200,000 she was expecting. To understand why and the issues involved it's useful to understand how the events unfolded. • In June 2001, Mrs A visited her GP after discovering a patch of flaky skin on her back. Mrs A thought it was eczema. During a brief consultation, her GP thought that it should be looked and recommended a referral to a dermatologist. But soon afterwards the flaky skin healed and Mrs A cancelled the appointment with the dermatologist. Apparently her GP did not express any major concern and some years later admitted that Mrs AP was in all likelihood unaware of the urgency of the referral. • Nine weeks later a sales representative from Standard Life made a routine visit to Mrs A at her home. As Mrs A was now alone with a young family, the representative reviewed Mrs A's life insurance cover and suggested that she should also have a Ј200,000 Critical Illness policy. Mrs A thought that sounded a very good idea and willingly agreed there and then. The sales representative produced the form and went through it, question by question, writing down Mrs A's answers for her. When it came to the question asking Mrs A to disclose all occasions her GP had recommended referrals for tests or treatments, Mrs A asked the sales representative what Standard was asking for. Mrs A alleges that the representative replied that Standard only needed details of appointments that related to serious conditions. Mrs A did not believe that her referral for what she thought had been eczema, fell into that category - so she did not mention it. She then signed the form honestly believing that she had disclosed everything Standard Life had required. Standard subsequently accepted her application and issued the Ј200,000 Critical Illness Insurance policy. • Two years later Mrs A was found to have skin cancer. Major surgery rapidly followed to remove the cancer. As her critical illness policy included cover for her cancer, Mrs A then made what she thought was a valid claim. • Standard Life subsequently rejected her claim on the basis of “reckless non-disclosure” – the insurers' jargon for Mrs A's failure to disclose her cancelled appointment with the dermatologist. The Issues The events that followed showed that Mrs A's application should have included her referral to the dermatologist. So why didn't she disclose the information? It seems that two aspects conspired to create the situation: Standard Life's sales representative told Mrs A that the question on the application form asking for “all occasions her GP had referred her for tests or treatments” as only relating to serious conditions. That interpretation was fundamentally wrong. The question asked for ALL OCCASIONS. These questions are worded carefully and ALL means ALL - it is not asking the applicant to make a personal judgement as to whether the grounds for the referral were serious or not. The representative was clearly wrong. Secondly, the GP did not apparently convey to Mrs A the potential seriousness of her flaky skin and her referral to the dermatologist. If, when the insurance application was being completed, Mrs A was unaware that her condition was potentially serious and the representative said the referral question only related to serious conditions, Mrs A can hardly be held responsible for not disclosing that information. In our view, and on the basis of the information provided to us, Mrs A is not to blame. Standard Life's representative made the vital error. He gave incorrect guidance on what the question at the heart of the dispute, was asking for. In our view Standard Life should pay out. The lessons to be learnt Always very carefully read each question on an insurance application form - and answer the question FULLY and ACCURATELY. Do not be tempted to be economical with the truth. If you do omit something they ask for, the insurance company can rightfully claim that you mislead them by omission. Never be tempted to omit some information in order to qualify for a cheaper premium. You might get a cheaper premium, but that's a false economy if a subsequent claim is rejected. We hope Mrs A will get her payout as she was mislead by circumstances beyond her control. We believe she acted honestly. She deserves her payout and our best wishes. However, those applicants who deliberately withhold information from their insurer or who provide misleading information, do not. Postscript : Reports show that Standard Life refuse 5% of all Critical Illness claims due to non-disclosure. Some other insurers have much higher figures - Legal & General reject 16% and Friends Provident reject 15%. The insurance industry is trying to improve this situation by the ways they seek information from applicants and by the way the penalties for no-disclosure are explained.

         
    Tell the truth with life and critical illness insurance

     

    Insurers treat the non-disclosure of information on an application form very seriously indeed, and it is the most common cause for the rejection of a life or critical illness insurance claim. This true story explains that the situation isn’t always black and white, and demonstrates the severity of the penalty. We have changed some details to protect the anonymity of the policyholder. Ms W had to have an operation to eradicate cancerous lymph nodes from her groin, and immediately fell ill after surgery with an infection she picked up in hospital. Critically ill, she had already made a claim on her critical illness insurance, however she received some unexpected bad news. Her claim was rejected and she was not going to receive the Ј200,000 she was insured for. How did this happen? Read on so we can explain. June 2001 – Ms W went to see her doctor about an area of flaky skin on her back, she assumed it was something like eczema. Her GP wanted a specialist to have a look, and made a referral to a dermatologist. Before the appointment arrived, the patch of flaky skin cleared up, so Ms W cancelled the appointment, thinking no more about it. She did not imagine that it was anything serious, and the GP had not given her the impression that there was anything to worry about. August 2001 – a sales representative from Ms W’s life insurer, Standard Life, called for a routine sales visit. Ms W’s circumstances had changed and she now had a young family depending on her. The sales rep suggested taking out a critical illness insurance policy, and she readily agreed. Ms W took out Ј200,000 worth of critical illness insurance. The sales representative talked Ms W through the application form, filling in the answers on her behalf. When they came to the section about any incidences of referral from a GP, Ms W was unsure what the question meant, and asked the sales representative for clarification. According to Ms W, the sales rep told her that she only needed to mention a referral if it related to a serious matter. Ms W didn’t think it was worth mentioning the GP referral for the flaky skin, since she thought it was probably just eczema. She didn’t mention it so it didn’t go on the form. Ms W signed the form after completion and she applied for the Standard Life policy believing that she had provided all the required information. Ms W soon received notification that she was insured for Ј200,000 in case she developed a critical illness. Two years later – Ms W learnt that she had skin cancer, and major surgery quickly followed to try and remove the cancer. Ms W naturally made a claim on her critical illness policy, for which she fully expected to receive a Ј200,000 payout. Soon after, Ms W received the rejection letter from Standard Life – the claim was rejected on the grounds of “reckless non-disclosure”. As far as the insurer was concerned, Ms W had withheld information on the application form, and this had invalidated her claim. As you no doubt have realised, Ms W should have mentioned the GP referral to a dermatologist – and her failure to mention it resulted in a severe penalty. How could she have made such a mistake? Two major errors were made: 1. When Ms W was asked to give details of any referrals she asked the sales rep what kind of referrals they meant. She was advised that she only needed to mention referrals relating to serious conditions. This advice was incorrect. The question asked for details of “all occasions her GP had referred her for tests or treatments”. ALL OCCASIONS means ALL – whether they were thought to be serious or not. The insurance company needs to know absolutely everything they ask for on the application form, and Ms W unfortunately did not provide that, thanks to the sales rep’s advice. 2. The GP did not give Ms W any indication that the flaky skin could be something serious, a fact that the GP stood by later. Ms W did not realise that the skin condition could be anything other than eczema, and so when told that she only needed to give details of referrals relating to serious conditions, she truly believed that her dermatologist referral was not worth putting on the form. She made this decision based on advice given by the sales rep, and it was a genuine mistake on her part. Taking the above story into account, we think that Standard Life should realise that Ms W made an honest mistake, and did not deliberately withhold any information. The sales rep did not give the right advice, and Ms W followed that bad advice in good faith. It wasn’t her fault, and Standard Life should relax the penalty in this particular case. Make sure it doesn’t happen to you Filling out a life or critical illness insurance application form has to be taken very seriously indeed. You must read every single question and answer each one providing all the necessary information and detail. Withholding information is not an option, don’t be tempted by the thought of cheaper premiums because on making a claim, you will be found out and the claim will be invalid. Don’t take that risk! Hopefully, Standard Life will see that Ms W did not deliberately mislead them, and they will give her the payout she deserves. People that do deliberately mislead the insurers do deserve what they will eventually get – nothing. NB: Standard Life rejects 5%, Friends Provident rejects 15% and Legal & General rejects 16% of all critical illness claims because of policyholders withholding information (whether deliberately or not). The insurance industry realise that they need to do something to address the situation, and are currently developing new ways to get information from applicants, and to publicise the severe penalties for not providing full and accurate information.

         
    Ten golden rules to save on auto insurance

     

    Auto Insurance is a bouquet of different covers like liability insurance; collision insurance; comprehensive insurance; medical insurance; uninsured motorist insurance; rental reimbursement; towing and labor cost coverage; as well as gap coverage. What is essential and what will protect a car owner from problems varies from state to state. It is advisable to insure for a little more than absolutely necessary. Insurance premiums can be prohibitively high so, as an informed consumer you must do your research thoroughly. Golden rules: • Access consumer information available on the state’s insurance department web site. Read all the guidelines and determine what coverage is required by you. Be sure to read the sample rates listed. This research will give you a fair idea of what the premiums are likely to be. • Ask for quotes from at least three big players in the auto insurance businesspanies like Geico geico/ ; Amica amica/ ; State Farm statefarm/ ; and Allstate allstate/ . • Find out what is the highest deductible permissible and if you can afford it. Generally increasing a deductible from US$ 200 to US$ 500 can reduce premiums payable by as much as 30 %. • Evaluate the worth of your car. If it is old and worth less than US$ 2000 then you can consider opting out of collision and comprehensive coverage for the car. The premiums paid will be much higher than what you will collect. Ask the insurance companies to evaluate the market value of the car. Find out the worth of you car by using kbb/ the site of Kelley Blue Book. • Use common sense when buying a car. Be sure to choose one that does not require higher insurance premiums. It is important to not just consider buying costs but cost of insurance too. • Find out if the insurance company has a scheme that offers discounts on the basis of lower usage or mileage. Some companies offer discounts if you utilize public transport to go to work. They require you to submit proof that you do. • Ensure that your insurance credit history is accurate. Many insurers use credit history as a basis to calculate premiums. • Study the laws of the state where you live. Find out whether any further adjustments in premiums can be made because you car if fitted with: airlock brakes, air bags, and other safety features. Find out from the companies as well as your agent. • Find out whether membership to organizations like American Automobile Association makes you eligible for any discounts. Ask about trade, professional associations, and corporate benefit’s program. Some companies offer: student’s discounts for students with a GPA of 3.0 and higher; retirement discounts; loyalty discounts and more. • Be sure to ask the insurer if they have schemes to insure mare than one car under a group scheme. Such schemes referred to as multiline discounts have a huge umbrella of options, home insurance, safety features, accident free driving, driver over 50 years old, anti-theft devices fixed, and so on. For ready reference see: • Insure at info. insure/auto/autosave. html has useful information, a privacy policy in place, is updated daily, has links to over 200 companies that sell various kinds of insurance, a toll free line, and an option to buy insurance online. • Independent Insurance Agents and Brokers of America at iiaa. org/na/default? ContentPreference=NA&ActiveTab=NA&ActiveState=0 is one of the largest associations of independent insurance agents and brokers. According to experts buying auto insurance from agents can get you a good deal as it cuts out the middleman. • InsWeb at insweb/ a site dedicated to the lowering of insurance costs. Offers competitive quotes from big players in the market like The Hartford, GMAC, AIG, Travelers, Amica, and Liberty Mutual. Remember insurance premiums are higher for high performance cars. The premium depends on how high repair costs are, ready availability of parts, and what the chances of car theft are. Buy a car that does not require higher insurance premiums and explore the market for the best deals.

         
    Ten tips on how to get the best deal on car insurance

     

    By Joseph Ducat: With the high cost of gasoline nowadays, most new drivers think twice of getting car insurance. Driving without any car insurance is a very big risk. Most drivers might think that car insurance is way too expensive, but in the long run it may save you a lot of money. Take for instance this example, if you are in a car accident it may cost you thrice the amount you might have paid for a car insurance to cover for hospitalization and for buying yet another car. Plus without car insurance you will be paying police fines as well as paying for suspended licenses. A total of 47 states require some kind of insurance for your car. It would be wise to know the basic law covering car insurance. Here are ten tips you can refer to on how you can get the best deal on car insurance. 1. Know the different types of car insurance policy The first thing to know in buying car insurance is to understand the different policies they offer. Choose a policy or policies that would best suit your needs. Liability - This policy covers physical injuries and damages to property. This includes paying for hospitalization and other medical expenses. Damage to property includes vehicles and other tangible property that might have been damaged during the accident. Liability also includes expenses for court proceedings if the vehicular accident requires one. Collision – This policy covers any damages if your vehicle is crashed to another vehicle, lamp posts, house or any another objects. Comprehensive – This policy covers damages caused by natural disaster like flood, storm, hail or wind. This also includes damages by theft or vandalism. Medical Coverage – Medical expenses are covered by this policy not considering if the cause is a vehicular accident or not. Personal Injury Protection (PIP) – A personal insurance of the driver. This policy covers for medical expenses and treatment caused by an auto incident. Uninsured Motorist – If by chance you are hit by an uninsured driver, this policy covers the damages done to your vehicle. Underinsured Motorist – This policy will cover the remaining cost for repairing your damaged car if ever the incident is caused by an insured driver with inadequate liability insurance. Rental Reimbursement – In case of a damaged car due to a vehicular accident, this policy will give a daily allowance for rental fee. 2. Know your credit rating: In most states, credit rating has always been the number one factor affecting car insurance rates. Be sure you have a copy of you credit report and check its accuracy and immediately contest any erroneous information. 3. Motor Vehicle Report (MVR) You can get a copy of your Motor Vehicle Report in your respective Department of Driver Services or Department of Public Safety in your state. A three year record may cost you 5$ and a seven year record would cost you 7$. Like credit reports, verify that all information are correct. 4. Accident Reports You can get a copy of your Motor Vehicle Accident Report from the local police department. It may take around six weeks before you can receive the detailed report. You might need to pay a higher car insurance rate if you have reported accidents within the last eighteen months. 5. Scout for a good insurance package There are some insurance companies that are offering multi-vehicle discounts. You would get a lower rate if you have two or more vehicles that you want to get insured. Also, you can get a good deal from one company that packages all their insurance policies, including home and health insurance. 6. Check out various discounts Most insurance company offers a discount to drivers over 55 years of age. It always pays to be a good student; you can get a student discount if you have a3.0 point average or higher. 7. Obtain a Driving Safety Certificate It is common for car insurance companies to give certain discounts to those who finish a safety driving course with a very good standing. 8. Check the model of your car Insurance rates can be different from vehicle to vehicle. A fancy car will obviously have a higher rate than an older model. 9. Take advantage of added features Be sure you are receiving lower rates for safety and security features like antilock brakes and air bags. 10. How much are you willing to pay Choose the option where you can handle the down payment and the monthly paying schemepare other insurances’ prices before purchasing one. You can try calling a toll - free number (1-888-588-5111) where you can ask for car insurance assistance and compare rates. Having car insurance is like driving trouble-free. But, as always, being a responsible driver exceeds all effort in having a hassle-free life on the road. Never drink when you’re driving. Have a big respect for your life and that of others. Go get your car insured and be safe on the road!

         
    Term insurance

     

    Term insurance is a level term life insurance product that pays out a lump sum when the insurance policyholder dies or becomes terminally ill. It provides peace of mind to the insurance policyholder that loved ones left behind after their death will be financially secure. Term life insurance can be configured to pay off all existing loans - including the mortgage - and leave a cash sum in the bank to support your spouse and children. If you don't want your family to have to cope with financial pressures during their bereavement, or struggle to find the funds to pay for your funeral then term insurance is the life product to have. Term insurance is different to mortgage insurance It is important to realise that term insurance is a different life product to mortgage insurance. Term insurance is a long-term insurance product that can be taken out over a lifetime of 50 years. During this time the insurance premium remains the same as does the amount paid out in the event of death or terminal illness. Mortgage insurance on the other hand mirrors the life of your outstanding mortgage loan. The insurance premiums remain the same throughout the life of the product, but unlike term insurance the amount paid out upon death or terminal illness reduces in line with the outstanding mortgage loan. So, if you were to die at the point that you owe only Ј2000 on your mortgage, then the mortgage life insurance product would only pay out Ј2000. Terminal illness Terminal illness cover generally comes as standard with term life insurance polices. The terminal illness clause tends to trigger pay out if the insurance policyholder is diagnosed with a terminal illness named on the term policy and is given 12 months or less to live. Pay out in these circumstances allows the policyholder themselves or someone with power of attorney for the policyholder to receive the full lump sum from the term life insurance policy. They are then free to enjoy the final months of their life with their family free from financial constraints. When a term life insurance policy pays out for terminal illness the policy will end. Therefore the life insurance company will not be liable to pay anything further upon death of the policyholder. Term life insurance restrictions As with most insurance policies there are restrictions and exclusions that apply to term life insurance policies. The main restriction is on pay outs to term life insurance policyholders who become critically ill, yet are not diagnosed as terminally ill. In this case, a standard term life insurance policy will not make a payment, unless a critical illness policy has been added to the term life insurance.

         
    Term insurance vs. whole life or permanent insurance a car analogy

     

    Should I lease a car or buy it? Think of a term life insurance policy as leasing a car. When you lease a car you get the benefits of using the car, but when you stop paying you don't have a car anymore. As with term insurance as long as you pay your premiums you get the benefit of the term life insurance policy, but when you stop paying, you no longer have any coverage. Whole life or "permanent policies" are designed to build up a cash value. So similar to buying a car you have an asset that you can keep. Unlike a car, hopefully this asset will grow in value. Whole life, Universal life and Variable Universal life are all different types of permanent insurance. Permanent insurance, most of the time, is meant to keep until you die or as a saving vehicle. The way the policy grows in value gives you the different names of insurance such as, Whole Life, Universal Life, and Variable Universal Life. That leads to the understanding of the different types of permanent policies. " Whole Life - Is an insurance policy where premium payments are usually the same throughout the life of the policy, as is the death benefit. You usually need to pay the premiums as long as the policy is in force. " Universal Life - Is an insurance policy where premium payments may be changed and the death benefit can also be changed by the owner. Usually if the death benefit is being raised you will have to show some evidence of insurability (medical information) or other information requested. Your policy grows at a stated interest rate which changes every so often. " Variable Universal Life - Is an insurance policy where premium payments may be changed and the death benefit can also be changed by the owner. Usually if the death benefit is being raised you will have to show some evidence of insurability (medical information) or other information requested. Your policy grows at the rate of your investment choice you choose. Since you may invest in market instruments similar but not exactly like mutual funds. Your policy can lose value causing larger premium payments than expected. Take a step back and think about it from the insurance company's point of view, its easier to understand the difference. A portion of the cash value that builds in the insurance contract will pay for the "cost of insurance". Whole life - The insurance company is taking most of the risk. They are paying a death benefit to you no matter what happens to the cash value in the account. As long as you make your payments the insurance company has to pay your death benefit. This may be the most expensive. Universal life - The insurance company is taking some risk. The policy grows give the current interest rate it pays. At times you are only able to earn low interest rates. You may need to make up more payments to keep your policy. Variable Universal life - The insurance company has taken the least amount of risk. In the Variable policy the rate of return is variable, meaning you don't know how fast your policy will grow or shrink. This type of policy is most likely used for someone who is younger and can ride out the volatility of their portfolio. Since you take on the most risk in this type of policy it usually has the smallest premiums.

         
    Term life and whole life insurance

     

    Which type of policy is best for you, term or whole life? The answer depends on several factors, including: Your Needs. If you need coverage only until your children graduate from college, for example, you might be better off with a term life policy. Cash-value insurance is better suited for long term needs, such as planning estate taxes and providing lifetime security for your spouse. Some term policies cannot be renewed past age 70 or 80 and can become costly to renew as you approach that age. The Cost. If term life insurance is more suited to your budget and you want life time coverage, consider a term life policy which can be converted into a whole life policy. Then you can convert the policy whenever your cash flow or needs dictate. You can also purchase a combination of term life and whole life insurance and gradually shift into whole life insurance over time. Your Savings and Investment Goals. Whole life insurance can be a good long term investment vehicle, especially because the cash value has the potential to grow tax-deferred. Should you no longer need the insurance but want some extra cash, you may surrender the policy and collect the accumulated cash value. Be sure to discuss the tax consequences with your tax advisor first. As an alternative, you could purchase term life insurance and invest what you save on premiums on your ownpare the returns you can expect, and remember to take taxes into consideration if you plan to select taxable investments. So, Should I Buy Term Life or Whole Life Insurance? Term life and whole life insurance both have advantages including immediate family protection. Deciding which type of policy and which features are right for you takes careful consideration and, most times, a comprehensible look at your financial plan. To discuss your life insurance needs and financial requirements, contact your financial professional.

         
    Term life insurance

     

    Term life insurance is a life insurance product that pays out a cash lump sum upon death of the insurance policyholder or at the point that the insurance policyholder is diagnosed as terminally ill. But, despite it being a low cost term life product - insurance cover can be acquired from as little as Ј5-Ј10 per month - surprisingly few of us have term life insurance in place. For people with a mortgage and family to support, not having a term life insurance policy exposes them to a large financial risk. This risk becomes apparent when you consider how the mortgage and household bills would be paid if the main income producer were to die or to become terminally ill. The end result could be that loved ones who are left behind find their home is repossessed because they cannot keep up the mortgage repayments. Some people prepare for such an eventuality by taking out a mortgage life insurance policy. This is all well and good for covering off the remainder of the mortgage loan, but where will the money come from to pay the gas & electricity bill and the council tax bill every month, let alone the money needed to cover the policyholder's funeral expenses? It is at this point that a term life insurance policy becomes very useful indeed. If you don't have a term life insurance policy in place, here are some sobering reasons why you should consider taking out a term life policy now… • CANCER - One in three people will develop cancer at some point in their lives. Research into cancer is of course ongoing, and one day some cancers may be curable. In the meantime a term life policy offers income protection for loved ones left behind in the event of terminal cancer diagnosis and death from cancer. • HEART DISEASE - Heart and circulatory disease accounts for more than 35% of all deaths in the UK each year. The number of people dying from heart and circulatory disease is on a falling trend, but the number of people becoming morbidly obese is increasing, and so may reverse this trend in the near future. Term life policies can be configured to pay out if cause of death is heart-related. • MRSA (SUPERBUG) - The death rate from the MRSA superbug has doubled in the last 4 years. MRSA is a bacterial infection that is resistant to antibiotics. It commonly causes death in people with weak immune systems, and so easily spreads amongst the sick & old in hospital wards. Many life insurance policies pay out if the cause of death is MRSA related. • AVIAN FLU (BIRD FLU) - Recent comments by the Society of General Microbiology in the UK sparked controversy when they estimated that 2 million people in the UK could die from a highly infectious strain of mutated Avian Flu. If you are worried about Avian Flu check with the life insurance agent to see if their term life policy covers such an eventuality.

         
    Term life insurance most times it s all you need

     

    Term life insurance is a temporary life insurance covering specific period of time. In this type of policy the insured or the owner pays a premium for a period. The insurance company provides monetary benefit to the beneficiary in case of death of the insured during that period. It is the cheapest type of life insurance available to the general public. Usually the benefit received on death of the insured is income tax free. There are four parties in term life insurance. The owner is the one who pays the premium. The Insured is the one on whose death, a death benefit(face value) will go to the beneficiary. The beneficiary is one who will receive the proceeds of insurance on death of the insured. The insurer is the company providing the insurance. Premium is the monthly or periodic payment made by the owner to the insurance company. For instance, Amanda pays monthly 50 dollars to ABC Company for insuring the life of Bill (her husband) for a period of 10 years. In case Bill dies during the 10 years, ABC company will pay 6000$ to Jack (son of Bill and Amanda). Here the insured is Bill, the owner of the policy is Amanda, the beneficiary is Jack and the insurer is ABC Company. The premium is 50$ and the face value of the insurance is 6000$. In case Bill does not die during the 10 years, ABC Company will not be liable to pay any money to any of the parties involved. Often the owner and the insured are same. That is a person buys a policy to cover his own death and nominates a beneficiary. Term life insurance is a legal contract with terms and conditions and assumed risks. Sometimes there are special provisions like suicide terms wherein on suicide of the insured there is no benefit accrued to the beneficiary. Term life insurance is based on two concepts, theory of diminishing responsibility and Buy Term and Invest the Difference (BTID). In Term life insurance the responsibility or liability of the insuring company reduces as the policy reaches its maturity. Term life insurance is the cheapest type of insurance policy available because there is no cash value at the end of the period. Studies have shown that the mortality rate in term life insurance policies is as low as 1%. Hence the concept of BTID. Rather than going for permanent life insurance (where on the expiry of period the owner will accrue some cash benefit and there is a savings component in it) it is considered cheaper to buy term life insurance and take care of the savings components by investing in other areas. With the present market giving good returns on investment, buying a term life insurance is a more attractive option than permanent life insurance. Term life insurance is available for a period of 5, 10, 20 years etc. As the age of the insured increases the premium increases. The premium is calculated based on mortality rate which is usually dependent on age, sex and whether the person uses tobacco. Most companies provide annual renewable term where in the term can renewed annually however the premium increases annually.

         
    Term life insurance money saving tips they do exist

     

    Term life insurance is the most affordable way to protect your family’s future. As inexpensive as term life insurance is, there are money-saving tips that will ensure you are paying only what you need. Get the most value for your dollar by checking out the following helpful tips that will save you money while still getting great protection. 1. Get coverage early – the sooner you buy life insurance the less your annual premiums: Some people are gamblers by nature and choose to take their chances by skipping out on life insurance. Although it is unlikely you'll die during your working years, you're not insuring for what's likely to happen but instead, for the worst-case scenario. That's why term life insurance costs less the younger you are. It is also why you should buy it sooner rather than later–because you'll be providing financial security without spending a lot of money for it. For example, if we look at the cost to purchase a $250,000 Term 10 life insurance policy you’ll see how delaying purchasing a policy by just a few years could cost you more in annual premiums. For male non-smokers*: A 35 year-old may get quotes for as little as $195 per year for a 10-year total cost of $1,950. A 40 year-old may get quotes for as little as $263 per year for a 10-year total cost of $2,630. A 45 year-old may get quotes for as little as $373 per year for a 10-year total cost of $3,730. For female non-smokers*: A 35 year-old may get quotes for as little as $165 per year for a 10-year total cost of $1,650. A 40 year-old may get quotes for as little as $210 per year for a 10-year total cost of $2,100. A 45 year-old may get quotes for as little as $270 per year for a 10-year total cost of $2,700. * Lowest quote online from February 2006 for a Term 10 policy, one of the most popular life insurance products in Canada. Premiums shown are the rates if paid annually. 2. When your age isn’t really your age: Your next birthday may be 6 months away but in the eyes of most life insurers you’ve already hit that next magical number. When you get a life insurance quote, the rate you are given is based on the age you are closest to which, 50 per cent of the time is your age at your next birthday. It’s a term called “Age Nearest”, and that half-year price increase could really add up. See the difference yourself. For male non-smokers*: A 39 year-old may get quotes for as little as $248 per year for a 10-year total cost of $2,480 A 40 year-old may get quotes for as little as $263 per year for a 10-year total cost of $2,630. A savings of $150 A 44 year-old may get quotes for as little as $345 per year for a 10-year total cost of $3,450. A 45 year-old may get quotes for as little as $373 per year for a 10-year total cost of $3,730. A savings of $280 For a female non-smoker*: A 39 year-old may get quotes for as little as $200 per year for a 10-year total cost of $2,000 A 40 year-old may get quotes for as little as $210 per year for a 10-year total cost of $2,100. A savings of $100 A 44 year-old may get quotes for as little as $255 per year for a 10-year total cost of $2,550. A 45 year-old may get quotes for as little as $270 per year for a 10-year total cost of $2,700. A savings of $150 * Lowest quote online in January 2006 for a Term 10 policy. Premiums shown are the rates if paid annually. 3. If you’re a smoker ask about incentive programs aimed at helping you quit: While not all life insurance companies offer incentive programs to help you quit, some do and could save you money if you are thinking about buying life insurance and quitting smoking. For example, one such company will refund you an amount equal to the difference between the premiums you already paid as a smoker and those you would have paid had you not smoked. What’s more, once you quit smoking, this same company will adjust your premiums to non-smoker rates based on the age you were when you purchased the policy, not the age you are at the time you quit! 4. Check out your payment/billing options: Many life insurance life insurance companies offer discounts to consumers who pay their annual premiums up front. If you have the money handy, you could save up to 10 per cent of your policy’s premium each year. For example: • A 35 year-old male with $250,000 in coverage can pay $195 up front per year for life insurance coverage. If paid in monthly installments, however, the annual premium jumps to about $215. Paying up front can save this person $20 per year! • A 40 year-old male with $250,000 in coverage can pay $263 up front per year for life insurance coverage. If paid in monthly installments, however, the annual premium jumps to about $288. Paying up front can save this person $25 per year! • A 45 year-old male with $250,000 in coverage can pay $373 up front per year for life insurance coverage. If paid in monthly installments, however, the annual premium jumps to about $407. Paying up front can save this person $34 per year! Life insurance made even more affordable: With these money-saving tips in hand, Term Life insurance is more affordable than ever. There is no better time than now to get the coverage you and your family need.

         
    Term life insurance company how to compare them and choose the best for you

     

    There are some companies that only sell term life insurance but they are the exception and not the rule. Term only life insurance companies are usually companies that are proponents of buy term and invest the difference. Most life insurance companies sell both term and permanent life insurance. There are some life insurance companies that have affiliates that sell supplemental policies to support their wide range of life insurance products. Shopping for term insurance is relatively easy but the number of life insurance companies that sell term insurance is staggering. There are a number of things to consider when you choose a life insurance company. How do you want to be serviced? That is an important question to answer because that will help determine what kind of life insurance company will best service your needs. If you would like to have ongoing professional advice then you need to look at insurance companies that distribute their products through agents. There is an increasing number of people that prefer to do everything themselves either over the internet or by telephone with customer service representatives. There are insurance companies that do business this way as well. Once you have determined your preference then you can narrow down the insurance companies that fit your needs. This kind of evaluation will save you a lot of time when entering a rather large insurance marketplace. The next step is to ask yourself why you are purchasing life insurance. This will give you a better idea about what kind of policy to look for when obtaining quotes. Debt coverage is usually best protected with term insurance. You may want to look at companies with extensive term portfolios. There are a lot of reputable insurance companies and they are highly regulated by their individual state’s insurance commissioner. There is a rating bureau called AM Best that gives a rating to each insurance company according to their financial strength. You can find this book in most libraries.

         
    Term life insurance defined

     

    Term life insurance is by far the simplest form of life insurance. Term life insurance is simply that, insurance for a term or specific period of time. It pays a benefit only if you die in the designated period of time. On the downside, it pays nothing if the policy expires before you die. It is often referred to as temporary life insurance. Policies generally last for 5, 10, 15, 20, or 30 years. Many policies are convertible, which means that you have option of switching to a permanent life policy. The main advantage of a term life policy is that they generally have lower premiums. They are good for covering needs that may disappear in time, such as car or mortgage loans. They also have some distinct drawbacks. Premiums generally increase with time. This means that you will be paying considerably more in your later years, when your need for protection is generally lower. Another factor to consider is that your coverage may expire at the end of your term, leaving you with nothing to show for your investment. You are essentially back at square one. Insurance agents often recommend that customers switch term companies every couple years, in order to take advantage of promotional pricing. One should be mindful of doing this, as you will be subject to a new contestability period. A contestability period is normally two years. If you die during this period, the insurance company will likely review the statements you made on your application. If you have made any inaccurate or incomplete statements, the insurance company will likely refuse payment. Life insurance is no laughing matter. When you are considering purchasing life insurance, please do some research first. Spend some time considering questions, and pose them to a trusted insurance broker. Be especially wary of purchasing insurance from a door to door salesman, as they are likely trying to sell term life insurance which may or may not suit your needs. After all, it is your hard earned money that is being spent. And it is the well being of your family that will be impacted by your decision.

         
    Term life insurance definition

     

    Term Life insurance has been with us for a long time. It is the least expensive of all the life insurance policies. Term life insurance is life insurance that provides protection for the named insured over a stated period of time. That is what differentiates it from other forms of life insurance. Term insurance has no equity or cash value accumulation and so it is primarily purchased for the security provided by the death benefit. There are three basic forms of term life insurance. 1. Decreasing Term – This policy is most commonly associated with mortgage protection insurance. The face amount decreases over a stated period of time. A thirty year mortgage for a homeowner is appropriately insured by a thirty year decreasing term policy for the same mortgage amount. The mortgage balance and the term policy decrease at about the same rate and so the homeowner can be assured that his home will be paid for whether he or she lives or dies. 2. Level Term – Level term insurance also provides protection for a specific time period. The face amount remains level throughout the stated period. This policy is often purchased for short term debt or intermediate term debt. You can purchase 5, 10, 15 and 20 year term policies from most insurance companies. 3. Annual Renewable – This form of term insurance is the least recognized of all term policies. It provides a level amount of insurance but the premium increases each year at the policy renewal date. The premiums can be very low at first but can escalate into very high premiums as the insured gets older. All of these term life insurance policies have there advantages but the common denominators that give term life insurance its definition remains the same. The policy is always for a stated period of time and there is no equity or cash value accumulations. Those two features define term life insurance.

         
     
         
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