Life Insurance Free Quotes

October… Breast Cancer Awareness Month

October is Breast Cancer Action Month and this year The New Zealand Breast Cancer Foundation (NZBCF) is challenging everyone to TAKE ACTION to raise awareness about breast cancer and to raise funds for education programmes.

Why are we so interested in discussing Breast Cancer Awareness on our blog?

Because breast cancer is the number-one women-killer in New Zealand.

Here are some concerning facts about breast cancer:

• All women have a chance of developing breast cancer at some time during their lives
• Around 2,400 women are diagnosed with breast cancer each year
• As women grow older, the risk of breast cancer increases…

• The rate of breast cancer diagnosis is rising in NZ… an 18% increase in the ten-year period 1995 and 2004…
• However, the death rate from breast cancer is falling slightly… due (in part) to the efforts of making women more aware of the need for regular screening… which is exactly why we’re talking about it on our blog!
• Still, more than 600 women are likely to die this year from breast cancer… that’s 12 women per week! So no reason to b

Full Post…

Mortgage Protection Insurance

The phrase mortgage protection insurance is used to cover a broad sphere of topics. You can own a mortgage policy that will make your payments in the event of a natural disaster or in the event of your disability. Mortgage protection insurance can cover mortgage payments in the event you are unemployed you are sick or injured. Here, however, we will look at the type of insurance that will pay off your mortgage balance in the event of your death. One of the largest, and perhaps the most important, investments most people make is the purchase of their home. You have great dreams, you plan to see your children grow up in this home. You can envision them playing on the floor in your family room. You look forward to teaching your son or daughter to play baseball or basketball in the yard. you eventually get to the point when you look forward to all the family enjoying breakfast and dinner in their dining room.

Full Post…

Index Annuity Vs. Variable

Types

Indexed annuities are funded with single premiums and offer contract holders a return based on the performance of an underlying index such as the S&P 500. The annuity tracks the index over a period of at least 10 years, and account values fluctuate with the market, although contract holders are guaranteed a minimum return of 3 percent.

Variable annuities invest contract holders’ funds in mutual funds and provide a return of premium if the contract holder dies before the end of the investment term.

Time Frame

Variable annuities have surrender terms of four to 10 years. Some variable annuities allow contract owners to begin systematic withdrawals of 6 percent or less within a year of funding the contract.

Indexed annuities typically have longer time frames than other annuity products, and terms range between 10 and 20 years. Full Post…

C Corporation And Life Insurance – Why C Corporations Buy Life Insurance

The C Corporation may be for you if you plan dramatic massive growth for your business. It is a legally separate entity from it’s shareholders and thus has perpetual life. It does not dissolve on the death of a shareholder. It gets it’s name from Sub-chapter C of the Internal Revenue Code. It enjoys liability protection from business creditors. In order to get this type of corporation started the principals of the company must file Articles Of Incorporation with the State in which it is located.The C Corporation pursues business on it’s own behalf, owns property and can enter into contracts. It consists of shareholders and a board of directors which assigns the responsibilities of the principals, officers and employees of the company.

Full Post…

How to Find Cheap Life Insurance in the UK

Finding cheap life insurance in the UK is easily accomplished if you have a personal computer (or laptop) and internet access. There are insurance comparison sites online where consumers can do a search to find cheap life insurance in the UK, which would be the search term you would probably use. However, it should be understood that the larger insurance companies may not be represented in those quotes so you may need to contact them individually. What life insurance comparison sites seek to do is provide competitive prices for consumers so that they can get the most reasonable rates possible.

Actually, there are two major types of life insurance so you need to be very specific when searching online comparison sites for cheap term life insurance rates in the UK. There are investment type policies and there are term life policies so make sure you type the word “term” in your life insurance search. I Full Post…

Online Life Insurance – Online Term Life – Online Whole Life

Should you buy online life insurance? More often than not when you go to an online life insurance website you get an opportunity to receive quotes from many life insurance companies and then make a choice as to the amount of life insurance you want to buy and which type best suits you in your particular situation. A very few give you the opportunity to buy your policy there and then. Some even let you print out your policy on your printer. Others call you and send an agent out to take care of the paperwork. Let us look at the types of life insurance policies involved.

• Whole Life Insurance Whole life insurance is one you can select when looking at life insurance online. This policy has a level premium from the outset. It never increases. The death benefit is also level but can be more than you started out with depending on which dividend option you choose…assuming the company declares a dividend.

Full Post…

Level Term vs. Decreasing Term: Assumption Life Offers Both

Assumption Life is adjusting their Decreasing Term Plan rates. Photo by Joshua Williams

Assumption Life, one of Canada’s oldest life insurance companies, offers a Flex Term policy, which provides Level Term coverage for 15, 20, or 25 years, and a Flex option plan, which is a decreasing term also available for term durations of 15, 20, and 25 years.

Level Term coverage means the premiums are fixed for the length of the term and the coverage is also fixed for the term. Whereas, a Decreasing Term Plan provides premiums that are level to the duration of the term, but coverage decreases and stops at the end of the policy term.

Assumption Life has re-priced both of these plans very well at most age brackets and coverage amounts. The following is a snapshot of their pricing for a 45-year-old, male non-smoker applying for $250,000.00 of 20-year Term coverage.

The Flex Term rate (the Level Term Plan) would be $63.22 a month.

Full Post…

Low Cost Life Insurance Quote – Reasons You Get Low Cost Life Insurance Quotes

You want a low cost life insurance quote! You may have just got married and you are concerned that your spouse may not be able to maintain the standard of living you both have become accustomed to if you were to die. You both have made plans for your future and you want your spouse to see these dreams realized even after you die. You are aware that sufficient life insurance can guarantee that these dreams come to fruition.

You possibly had an addition to your family. When you saw that child something in you stirred and you knew that you wanted everything that is good to come to that child. You envision a home with a yard big enough for your child to play in. You envision birthday parties. You see friends coming to visit. You your child to attend the best schools.You see him or her going off to college. You see graduation day.

You know that all these things will become real as long as you are alive and healthy.

Full Post…