Thursday, December 3, 2015

How to Choose a Life Insurance

Posted by Unknown on 12:12 AM No comments

How to choose a life insurance?


The truth is that life insurance is one of those things that are done in the neighbor thinking, a sign of love for family and loved ones. Selfishly speaking should not worry about what happens when we no longer are in this world, however, we want our family, we make a life insurance so that if something happens to us, they can cover the costs, pay debts and keep a standard of living much like the one they had with us. But when does it awaken in us the need to hire a life insurance? Usually at the time in which we are parents, so far, we want more out of life with us in the world. But what coverage should have life insurance? In terms of insured capital, usually, is said to be covered 10 times our annual income, however, current life insurance, are not left alone in sums insured for death or disability, if not that, at present many we offer insurance other coverage that we may be able to take advantage "in life" and we hire a little more "joy". Within this type of coverage we have encountered some as:
  1. Second medical opinion
  2. Telephone medical assistance 24 hours
  3. Advance of the capital in the case of terminal illness (evidently to deal with the costs that this entails)
  4. Legal advice service in case of death
  5. Of agency procedures in case of death
  6. Service telephone psycho-emotional support
  7. Tax deductions for the insured

When the life insurance contract that suits us, we must know, at least briefly, the different types of life insurance on the market:
  • Term life insurance: the one in which your family receives the insurance money if you pass away while the insurance is in force.
  • Life insurance or permanent life: in this case, if you die, your spouse or your family charged the death benefit. But you can also choose to extract money from the policy when you get older or you retire, and get savings with payment deferred tax.
  • Disability insurance: who is charged if an inability to work is suffering?
  • Mortgage life insurance: the one that guarantees the payment of your mortgage in the event of your death, your heirs freeing the payment thereof.

One of the best tools that we have to choose the most appropriate life insurance, insurance is comparators. Filling a few data we calculated a lot of life insurance with the best coverage and the best prices so that, in this way, we have a global vision of the market. Is it wise to hire a life insurance? Absolutely yes. For ourselves, as in cases of illness or incapacity we can benefit from them, and for our family, because if we let them, we know that at least we will remove them great concern over in these difficult times.

Monday, November 23, 2015

How to Save the Life Insurance Contract

Posted by Unknown on 12:22 AM No comments
One of the most difficult tasks I know is to find and hire the best insurance, either life, car, motorcycle deaths, home ...

In this post we will try to elaborate a little on how to save the life insurance contract.

The first time we plan to have a life insurance policy, we think that we are getting older, and are not always wrong this reflection. When we are young we have other things on my mind that hiring a life insurance policy, in case of bike, our first bike. But we do not stray from the subject. Statistics say that the first time we plan to hire life insurance is when we become parents. This is where we get the great deal of responsibility to our life and begin to think more of us than ourselves.

But what good is a life insurance? The truth is that it serves to secure the future (to a small extent) of your family on your MISS. But today life insurance usually have some additional coverage that the insured you can also enjoy "living" course, as second medical opinions, advancement of part of the premium for terminal illness, etc.

But what life insurance is best? At least does the best for me and my family? That is the question. Most have similar life insurance coverage, though the difference is usually in amounts sure if the cubre- disability and death.

But as always, there is so hated "fine print" that nobody reads and then we are surprised when we need to make use of the policy. To avoid shocks and unnecessary expenses, we will see some tricks or "aid" to save the life insurance contract:

To save the first rule is also important: use an insurance comparison website. Only in this way as little effort and we are able to get an idea of the products we have on the market and be able to succeed in our choice of life insurance contract.

If still having used comparator insurance do not have very clear, it is best to consult a specialist, an insurance broker for lifetime. They will find us the best choice, advise us and help us infinitely in paperwork and bureaucracy that involves hiring.

When we choose a life insurance policy, we should not only be guided by the coverage or money assures us, but it must also think that offers guarantees and tax savings and thus a way to monetize our money. Consider life insurance as a piggy bank where to put our money, which is always protected and in many cases (depending on the company) we have available if we need it.
    
Hire the best insurance Younger, thus you ensure an economic premium. The same goes for health, how much better health have, the less you pay, so choose a good time to hire your life your life insurance you need.
 
Check whether to split the payment of the premium have a charge, the company chooses not to be applied, it will be easier payment and you will save money on unnecessary charges.
 
Choose exclusively coverage you need, do not be "cajoled" by "added" to the policy that all they want is fat absurdly thick hedges, knowing that never will use.
 
To renew policies every year have the chance to change your company and thus get some sort of discount on your policy. Note that to cancel a policy must notify your company at least two months prior to the date of the end of it, and it is likely that your company will cheapen the price to get you do not take your policy to another site.

With all these tips, and we'll be ready to choose and hire the best life insurance for us and our loved ones.

Thursday, November 19, 2015

Get Your Life Insurance Comparisons

Posted by Unknown on 12:31 AM No comments
Choosing a life insurance can be an arduous and expensive task if you do not know the tools we have today.

One of the best inventions that I know is the "comparators" and specifically "insurance comparators". So before we could take hours or even days now is reduced to about 2 minutes at best.

Get your life insurance comparisons


Comparators insurance, as its name suggests, we performed a comparative life insurance, which allows us at a glance get an idea of how the market. The comparative life insurance give us the information in the format "table" which facilitates -even more- we focus on what really matters.

But what aspects we received when we get a comparative life insurance?

Usually the aspects that affect these comparisons are -monthly price or annually, usual toppings, special coverage, amortization of capital, installments and minimum receipts ... etc.

But what have you enter data for comparative my life insurance?

Usually, getting a life insurance comparison, you are only required a few minutes of our time and enter a few details such as: 

DATA OF THE INSURED

Birthdate

Sex

RISKS INSURED

Additional risks: if you smoke or not

If you practice risk profession

Why insurance contracts: mortgage cover or family cover

CAPITAL SECURED


Capital to ensure (usually recommend 5 times your annual net income).

It makes sense that the older than the cost of insurance, and similarly if we enjoy extraordinary health costs will be lower.

In the same way our lifestyle has a significant influence on the price of the premium. This could rise to hobbies such as snuff, extreme sports or certain genetic diseases.

But are reliable data from a comparative life insurance?

Absolutely yes. Best comparators receive company information in real time, but sometimes you cannot get it, in which case we will facilitate your company so we can get in touch with them and get our price. The truth is that in these cases very little is people calling, usually stay with the data of the companies listed with them and we made a decision.

Monday, November 16, 2015

You Are Lost If You Do Not Use a Comparator Life Insurance

Posted by Unknown on 12:40 AM No comments
Poof! Coming beats me life insurance and do not know whether to renew with the same company and the same policy ... it is that I start now so lazy to find something better ...

I will start by making a list of insurance companies in US, call each asking for the sales department, I have to give all my personal data, age, marital status, profession ... and above sure most are phone these premium rate, I'm going to leave a lot of money ... but anyway, I have no choice, everything is to save, they are not the times to go wasting your money ...

First I will look for the A: AXA, ... to Z for Zurich !!! Well, I think in the end I will compensate for sure that among all find a cheaper policy ... but ... have the same coverage? Because that is another ... How do I compare the coverage? How do I know which is really the cheapest and best insurance coverage? Which awaits me ... I will play up to study ... I think in the end will opt to renew the same policy that I have so far, I do not spare money, but I will save trouble and time ... if in the end they are all more or less ...

Have you heard this? Do you know someone whom you have heard it? The truth is that this situation could occur in a time before ours, we should go back a few years ago for the protagonist of our introduction was right. Obviously this was before, but before? Before there was what we now know as life insurance comparator.

Our protagonist is absolutely lost in a situation that he does not know how to face, know the steps to take but they are so expensive and time that dare not face them ... and if our hero we said we would do all that work for him ? How much do they would pay for it? It occurs to us would be happy with the idea that another work by him and certainly would not put any objections to the price being asked for it. What if we told you we will not only do the job but it's over we will not charge you anything? Sure you think where is the scam is? For there is no scam.

Some time ago there comparators life insurance are super useful tools developed to facilitate one of the worst tasks previously performed we played with some frequency. How comparator life insurance work?

Quite simply, the life insurance buyers work with databases of the best insurance companies that exist in our country. Themselves send their insurance proposals and prices comparators and these two minutes or less available to every client who want to find the best life insurance.

In record time we send all existing proposals in the market, its coverage and of course, their prices, and we have so that at a glance have more than enough information to make the best decision as to which insurance Life hire.

As the protagonist of our introduction said, finding the best life insurance has ceased to be a tremendous nuisance to become a mere anecdote in our life that robs us more than 2 minutes of our time, thanks to the figure of the comparator life insurance.

Forget about searching companies, phone 902 commercial departments and proof of insurance comparator, you start saving time but it will save you all ...

You will not regret.

Thursday, November 12, 2015

What Should You Know Your Life Insurance Policy?

Posted by Unknown on 2:17 AM No comments

What should you know your life insurance policy?



When we signed life insurance do by signing a life insurance policy. In this post we will find out what we know of that policy before signing it.

Life insurance offered to those who take the protection of people who are responsible, guaranteeing them a quality of life commensurate compensation to the beneficiaries or legal heirs in case of death and total and permanent disability of the insured.

This sum of money or insured sum usually paid once and recipients of it are the beneficiaries designated in the policy, which may be the family of the insured, partners, creditors, etc.

To decide what type of life insurance we will hire, we must analyze the needs of the family in case of death of one who generates household income. Life insurance we hire must:

- Ensure the spouse and children income for a specified period

- Ensure income for the education of children

- Cancel debt balances (mortgage or personal loans)

- Paying secured debts, such as medical, funeral, etc.

Life insurance should ensure economic tranquility to beneficiaries whose stability may be threatened with the death of the insured. Each person will choose insurance according to their needs and characteristics (age, gender, health, occupation, income, etc.). There is a safe for every need and features.

When hired a life insurance policy, the company may offer certain benefits, supplemental or additional. Sometimes, incorporating additional clauses may incur extra cost, above the main insurance premium.

Some of the most common additional coverage is: compensation for accidental death, total and permanent disability, transplantation, surgical / non-surgical interventions, serious diseases, prosthetics, kidney failure, etc.

Besides making sure that our insurance policy life has all the coverage we need, we must value the price but should not be the only important element that we value when it we are also interested to know the company, its reputation, background ... For this purpose it can serve an advisory insurance is an insurance broker. This advisor can inform us about different policies from different companies and it is important that before the insurance will inquire all the doubts we have.

To hire a life insurance policy, the insured must complete a form that requires personal and medical information, and the type of policy and the amount of the insured capital is contracted. The company uses this information to determine whether to issue the policy or not, therefore it is important that all questions completely and honestly, otherwise the cover may be affected answered. When the policy is issued, the application becomes part of it and any misinformation that has been done can lead to the annulment of the policy.

 
IN SUMMARY

- The recipient must know the type of policy that the insured has, any changes you make and where it remains saved it.

- It is desirable that an additional named insured beneficiary (child) if the primary beneficiary dies before him.

- The insured must select the settlement of capital to determine how capital will be paid to the beneficiary time.

- No need to hire an attorney to enforce the insurance policy.

- Most life insurance has a period of initial lack that is usually around 3 months.

- We must ensure that our policy in the beginning and end of the validity of it appears.

- The higher we will be more complicated to us to make us a life insurance.

- We must ensure if any capital reduction at a certain age or unspecified causes.

Sunday, November 8, 2015

Life Insurance, the Importance of Having a Safe

Posted by Unknown on 11:36 PM No comments

Life Insurance, the importance of having a safe

 
Life Insurance, the importance of having a safe
 
 
Do you have life insurance? Statistics have proven over and over 90% of deaths are occurring not because of old age, but due to illness or accident, is why it is vital to have a life insurance.

Life insurance is insurance that covers individuals against possible premature death either by disease, natural death or accident.

Death comes suddenly, because no one expected the family is also not prepared to handle the situation that follows. The problem is further aggravated if the person who dies is the member who contributes to the family income or the one that generates revenue. All personal family finances come into danger. But there is a way to get ahead in these difficult times, the life insurance policy.

Today's world moves around insurance, insurance can be a car or home insurance, we always tend to ensure the material things, but when it comes to life insurance people tend to avoid the issue.

Life insurance has been formulated taking into account the needs of the people described above. The policy has become so famous for its usefulness almost all that have dependent family acquired.

Policy life insurance object


The main objective of this policy is delivering a fixed amount of money to the dependents of the victim (who are appointed at the time of purchase the life insurance policy). This is to meet the immediate needs and maintain their life so that they can plan their future. Usually, the money given is sufficient to cover the cost of a couple of years, during which people have found alternative sources of income.

The process of buying a life insurance policy is very simple, and people who sell life insurance never difficult to explain. The policy is carried by a specific period of time, the buyer decide how long you want to acquire.
Time; along with other factors such as age and health status of the insured determine the amount of the premium paid on an annual basis. For the policy remains intact, premiums must be paid on time otherwise the policy is void.

If you are thinking of getting a life insurance policy, be sure to get life insurance quotes from several insurers so you can get the best deal for your money!

Life Insurance for Children

Posted by Unknown on 9:17 PM No comments
Life insurance for children
High emotions flow when parents and grandparents plan the future of children. If you plan to purchase a life insurance for your child, it is highly recommended to analyze the overall situation before making a hasty decision on any offer.

Insurance agents often try to sell "special opportunities" that let you add children to your policy - opportunities that claim to make you believe agents that occur only once every few years. Subjected to pressure you so you can make an immediate decision. Braun Mincer, an award-winning personal finance expert, says consumers should be wary of policies for children, especially those that disguise you with life insurance rates of $ 1 a month.
 

"People do not suddenly wake up thinking you have to buy life insurance," says Mincer. "Life insurance is a product that is sold and not bought. People often buy insurance because an insurance agent or salesperson approached them and convinced them that they need."

Life insurance is primarily designed to protect your family from financial disaster in the event of your death. But children have no one to depend on your income.

"The benefit of insurability is guaranteed, so that if your child is diagnosed with a serious illness later that would disqualify him for any insurance policy, and would be exempt from any provision of pre-existing conditions," he says.

"It certainly provides a nominal usually around $ 25,000 in coverage," says Mincer.

According to the National Funeral Directors Association, an advocacy group for the profession of funeral services, the cost of the funeral of a child may vary, depending on the funeral. Even with a discount, the funeral could easily cost thousands of dollars. An average family might not have the means to pay any expenses incurred. That's where life insurance can help. However, "in statistical terms, the mortality rate of children is so low that it is difficult to justify this type of insurance usually used as a tactic to insurance agents call your door, intending to sell other types of insurance policies, "says Mincer.

Many of the life insurance policy sold insurance children have the option of the insured to buy additional insurance when it comes of age. While there are cases in which a child develops a chronic disease that would make them uninsurable later in your life, the reality is that most young adults can easily get low cost life insurance.
 

Buy with your head, not your heart


There are other options where to invest your money they can make more sense in the long term. For example, ensure the financial security of your child by obtaining a life insurance policy that will cover enough in the event that anything happened.

If you care about funeral costs, you can purchase a life insurance policy for himself with coverage for funeral expenses of your child in case of death.

In addition, "a savings plan for college is one of the best investments you can make for your child, and also receive tax-free interest," says Mincer.

Ready to quote?

Wednesday, November 4, 2015

Of the Current Comparator Old Brokerage Life Insurance

Posted by Unknown on 8:53 PM No comments

Of the current comparator old brokerage life insurance


Years ago, when my father had to take out insurance, I used to go to the agency, where he offered insurance they knew and their coverage. They used to be impartial and advising in the highlight of each insurer. The person doing this work was known as "broker" and was an intermediary between the user and the different companies without being tied to any of them. But then it also had many insurance companies as now.

Shortly later proliferated "exclusive agents" working for a single company and the offices of the various brands began to see in our cities. Commercial insurance claims directly managed by their customers. But this would not be the future of the sector.

The uptake of insured became more aggressive and the struggle for customers became a battle of prices. The companies offered increasingly better coverage at lower prices and at this point began the low-cost and mark the second major brands allowing further open the range of possibilities.

At this point how could an agency cover and study as many proposals as they were sent by different companies? Obviously, a tool that could automate this task was becoming expensive and complicated for any insurance manager was essential.

With the advent of the Internet came the solution and passed the "old brokerage" to the current "life insurance comparator". A tool capable of performing the job in two minutes should have done that before several people within a few days of work. Compare studies and proposes the best of the best life insurance companies.

In less than two minutes, a comparator life insurance is able to offer a comparative life insurance, in table format, so that at a glance we are able to get an idea of the market supply and we are ready to choose the best life insurance.

But life insurance comparators beyond. While focusing on the aspects of the life insurance policy gives us a series of data that will help us make the best decision. We extended company information, the policy, extraordinary coverage, form of contract, and even give us the ability to contract in its own page in the online mode, which cannot be more comfortable.

The Beneficiary of a Life Insurance

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The beneficiaries of life insurance, Can choose?


The beneficiary of a life insurance

Around the entire life insurance policy and, in general, of any insurance are a series of figures which are usually outside the ordinary citizen prior knowledge of the undersigned.

Insured, insurer, policyholder, beneficiary and similar terms defy complete understanding of the average citizen, and since we cannot hire something we finished not fully understand, it is appropriate that we clarify some terms.

Those involved in insurance

The contract of a policy appears: 
  • The insurer: Is the company that assumes the risk coverage of the insured.
  • The policyholder: Who Is effects insurance for self-employed persons and signs the policy.
  • The mediator is a consultant advising client on the types of insurance and coverage that suits you best depending on your personal situation.
  • The insured: The person which bears the risk coverage.
  • The beneficiary: The person who bears the benefits of the policy agreed by the express will of the policyholder.

This last figure we'll talk a little more closely.

The beneficiary of a life insurance


As already indicated, the beneficiary is the perceiver compensation in cases prescribed by the policy.

The beneficiary is often confused with the figures of the policyholder and the insured because, in certain cases, agrees. But this only happens when who hires exceeds the insured risk and receives compensation turns out to be the same person.

Prior to payment of compensation agreed with the insurer to which law has, the beneficiary must identify themselves to the insurer adequate and sufficient manner.

You can choose the beneficiary?


The beneficiary of the life insurance policy is usually close to the insured or close family death. But although most of the time this happens, we must be clear that the insured can choose anyone as beneficiary.

If you have designated a single beneficiary and he dies before or while the insured without other beneficiary has designated the compensation agreed in the policy to the heirs will pay for probate and, if no will, the legitimate successors.

At all times, the policyholder may change the designation of the person who has the status of beneficiary in favor of another (revocation of beneficiaries).

Saturday, October 31, 2015

The Best Time to Hire a Life Insurance

Posted by Unknown on 1:45 AM No comments
The Best Time to Hire a Life Insurance
Is so varied the set of circumstances for which a person can cross over its existence to try to give some general guidelines about which is the best time to take out life insurance can seem complicated.

However, if there are a number of common events for that year above year down almost all go and just staking our lives when too secure.


Before 30


As it is currently constituted society, a person younger than 30 years or not have children or are still very small. Similarly, the issue of acquiring home ownership is an issue that is not usually considered so early.

But, in this age life policies are appropriate for young people: the so-called basic insurance that, in return for a small premium, ensure capital to the emerging family in case of death of the holder. In addition, the continuity in this type of mode you can report significant reductions in premiums other insurance you hire later.


From 30 to 50


This is the age group of the big decisions: several children in the family, the mortgage on the house, do not know if any problems will arise or that such problems may arise us. What we have to be absolutely clear is that, out of all of them, we need money.

If the main breadwinner of the house is you, it seems logical to take out life insurance to ensure future needs of yours, if you had the misfortune to die. At two levels: 
  • Ensuring sufficient capital to cover the debt of the rest of the mortgage it is payable when you're not.
  • Expanding the sum insured 5 or more years of your salary so that if anything happened to you, your family would still have income to lean over a long period of time.


From 50


Not that after 50 years we feel too old, but if things have left us fairly normal at this stage of our lives we will have completed our biggest expenditures in relation to the family (the children are already independent) and housing (will have paid most of the mortgage and the letter makes us less onerous than to start paying).

And although we still have much to live, you should hire a life insurance savings for the pension plan to supplement, when the time comes, the pension we have got listed along our working lives.

The Fine Print of Life Insurance

Posted by Unknown on 1:22 AM No comments
Life insurance are those who subscribe to that in case of accident or death, our family paid a financial sum to mitigate to some extent our loss.

Much has been written about this type of policy and there are many people who believe it is big business for insurers, since time, the arts are not looking to make cash money to the family.

Cases of this type can be read on the Internet for some time, however, insurance is becoming more reliable time and now it is rare that such cases happen, ever be clerical errors or because the insured or family have not read the "small print".
 
Searching the Internet documentation for writing, I read a case in which the family complains that they have not received the money from the policy of the parent and feel cheated by it. Looking, I investigate and find the problem. In one of the clauses of the policy it is said very clear that the policy will not be effective if the undersigned dies of illness and the firm knew it. This was the case of this family. The father had a disease diagnosed prior to the signing of the insurance.

Most of the time the problem arises because we signed without reading things, since all the information we have well described in our policy.

We must pay attention to the clauses relating to guaranteed values among them, especially those concerning rights of surrender and insurance for non-payment of premium.

Another important aspect is to know exactly the designation of beneficiaries of our life insurance and priorities and the exact age at which capital recovery, if life insurance savings involved will take place.

In cases of temporary disability coverage, we know that the period of low valuation is carried out by experts of the insurer, although we remain inactive as the doctor. At that time, we will stop paying compensation.

The most important in hiring a life insurance policy is when we make the health claim. 
  • Do not hide data; it may involve the termination of the contract. In addition, the same questionnaire usually includes an authorization to the insurer to investigate their medical history.
  • Nor give more data than they request. For example, if he says that if he had a sick leave over 15 days in a row in the last five years, do not expect that there but it seven years ago.
  • Requiring a doctor examine him. So, if something happens later, the insurer is obliged to fulfill the contract.

Good to know certain things, like there is the possibility that death is not accidental, but deliberately caused by the insured or the beneficiary. To prevent fraud, suicide usually make after the first year, unless otherwise agreed. If the beneficiary intentionally caused the death of the insured, the premium becomes the policyholder.

When we hire a life insurance must designate beneficiaries, if we are not sure we can put the legal heirs. If we did not have a clear beneficiary, in the case of death the premium would become the property of the borrower. We can change the beneficiaries simply communicating it to the insurance company.

Check our needs and choose the insurance that covers us better. Each insurer offers many possibilities, so the market will surely find one that covers us. We must review that do not already have life insurance, which may already exist if you have a mortgage, personal loan or any extra service that we hired.

We should read the fine print to be sure you understand and agree with all the terms. Thus we understand in which cases are covered and which are not.

Life insurance recorded, so if the death of a family does not know if this person had one or more life insurance beneficiaries who are, you can request a report.

Remember that if you have other insurance (car and home for example) with the same insurer may obtain a better price or benefits in our life policy.

Thursday, October 29, 2015

How to Hire the Best Life Insurance

Posted by Unknown on 3:26 AM No comments
How to Hire the Best Life Insurance


Life insurance is a type of policy that, despite not having a mandatory higher market shares are getting today. Given this trend and the proliferation of different insurers with different products, the problem of how to hire the best life insurance is difficult for most people facing this dilemma.

We will try to help a little.


Types of Life Insurance


The variety of life insurance policies can be classified into two groups.
  • Term insurance with death cover and automatically renewable expiration date if it has expressed contractually. It is guaranteed to beneficiaries of the policy an agreed compensation.
  • Permanent insurance, with no expiration date and becoming with the passage of time-saving alternative to the expiration of the policy.

Among both types, there are mixed insurance covering both cases simultaneously.
 
The best life insurance: features

The idea of life insurance can serve multiple purposes:
  • Guaranteed income for the couple and their children for a period of time.
  • Cover, where appropriate, the costs of funeral services or doctors.
  • Ensure the payment of large outstanding debts, like a mortgage.
  • As a savings plan for extra money during retirement.

These objectives, always thinking in deciding the best life insurance, should endeavor to suit the age that you have so that at different ages, different responsibilities too. For instance:
  • When he is very young, it is not recommended be thinking about insurance that will improve your retirement.
  • A person with family and mortgage, if it is the only source of income, should focus on how best to meet the needs of income for a long period of time or settle the debt in case of death of the insured.
  • It is also necessary to evaluate the time that we want to be secure and periodically reviewing the type of policy taken to fit the most pressing needs of the moment.

What is the best channel to hire


And, as with all insurance, the most optimal to hire and manage the best life insurance channel it is the brokerage. Thanks to personalized advice and independent mediation with the insurer, the customer can rest assured, since inception until the expiration of the policy, procedure or that any claim made through us will always have our legal and professional commitment to defend their interests against the company.

Tuesday, October 27, 2015

Knowing First Aid: The Best Life Insurance for Others

Posted by Unknown on 12:43 AM No comments
The recent event staged at the mall by the popular host of "Fourth Millennium" and his wife, Carmen, during which both were the best life insurance for a child who was choking after an object that had swallowed developer program.

Widespread knowledge of first aid techniques is as important to society as undervalued in our country by the current education system.

The best life insurance for others


The facts, as the relate the different media, occurred at a mall by Iker Jimenez and his family wandered as a child were found in cyanotic state without their parents and other people who surrounded knew how to extract the object which had choked him.

Thanks to the initiative of Carmen and Iker and his prior knowledge of a particular maneuver emergency rescue, the girl was able to expel the object that prevented the passage of air and prevent death.

This decisive intervention contrasted with the helpless passivity of most people who watched the scene.

Why is it good to know first aid


First aid means the set of techniques and immediate care for sick and injured is paid in prior to the arrival of professional healthcare exceptional and urgent situations.

Through a few simple procedures and guidelines, though, must have been previously practiced to ensure speed and efficiency, it is possible to avoid physical and psychological complications, aiding recovery and, ultimately, save the life of the injured person before us.

If we have some training to learn and safely perform these techniques, we are the best life insurance for those injured chance to put us ahead.

Why almost nobody knows first aid


And yet, among the many materials, subjects, knowledge and duties that are taught, they learned and practiced in the official compulsory education do not consider (or considered excessively transversely) specific teaching first aid.

This fact also noted by Iker Jimenez in interviews after the event, is as outrageous as it is inexplicable when we weigh whether knowledge of a verb, a formula or the date of a battle must be more important than the ability to save a life.

Investing Money Life Insurance

Posted by Unknown on 12:27 AM No comments

Investing Money Life Insurance Select Option


There are many types of life insurance policies, as such, there are many ways to make savings when it comes to getting life insurance. The best advice when you want to buy a policy is to carefully review the best deal; the Internet can be a very important tool in this task.

Buy online life insurance allows you to access a lot of insurance companies. There are many who are competing in the market and offer different deals to help you save money on life insurance Investing.

All insurers will allow you to get a quote online and compare them, which mean that at first glance you can see what appears to be the best. But always make sure you look at what it offers policy because sometimes a lot is not so great after reading the fine print exclusions.

A great way to save on life insurance is to be as healthy as possible to start when the insurance. Here a little common sense should be applied, for example, if you are a smoker or drinker then you can expect to pay more money to invest life insurance that would otherwise not smoke or drink. This may be the opportunity to give up these harmful habits.

Having many overweight can also increase your premium, which would not happen if he had the average weight for their height. Making adjustments to your lifestyle, diet and weight loss can not only improve their health but also leave you with some extra money in your pocket thanks to lower premiums.

Any pre-existing medical conditions can also increase premiums, although these always have to be declared at the time of the insurance.

However, doing everything possible to help your condition as taking regular medication and attending regular doctors or clinics help check when you declare your condition.

Life Insurance Rates for Each Type of Life

Posted by Unknown on 12:17 AM No comments
As is the case with health, car and home, there are different types of life insurance that adapt the main guarantee (protect an economic situation where the insured's death or survival after an agreed date) to the personal needs of each client.

In case you did not know, we explain the main features of each.

The nonlife

Also known as risk insurance or "whole life". A date in the contract so that if the insured dies before it, the company is committed to satisfy the beneficiaries of the policy agreed to pay a benefit in a lump sum (one-time charge) or income is fixed ( several newspapers) receipts.

Conversely, if the insured lives surpassed the contract issue is resolved without further.

In addition to the main guarantee as already explained, there are other types of whole life insurance that can be offered additional benefits to be chosen by the insured such as accidents (commitment of additional capital if the stated cause of death is the result of an accident) or disability (the risk being hedged, beyond death, disability or incapacity is insured).
Survival insurance

The common characteristic of these types of life insurance, also called "saving policies") is that if the insured survives a date previously agreed in the contract, the insurer agrees to make payment of a benefit.

Within this category, there are different ways:

  • Unit linked: The policyholder bears the risk of investment performance.
  • PPA: Insured Pension Plans are similar to individual pension plans and tax law.
  • PIAS: Individual Systematic Savings Plans long term in which the contractor receives an annual annuity survives if certain date.
  • Annuities: Similar to the above with the exception that it can spread to family characteristics of the insured adding new features that address the death or return of benefits scheme.

Mixed types life insurance


It is a combination of the two types of life insurance above. In this case, the consideration that the insurer guarantees to beneficiaries either becomes effective (if the death of the insured occurs) or the insured, the settlement of an agreed date.

Saturday, October 24, 2015

Happiness, Age and the Best Life Insurance

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Happiness, age and the best life insurance

They say that, over the years, life is seen differently. The experience and made various studies on the perception of happiness and better life insurance over time seem to confirm this.

Age becomes a vantage point from which, according to its height, we see our existence with different angle and uneven mind.

Age and happiness


Happiness is not an absolute concept that reaches its peak in youth and continues to decline at the same age.

Study 500.000 people over 70 surveyed countries in 2012 concluded that the pattern that best describes the degree of happiness throughout our existence is U-shaped:
  • In our infancy and childhood feeling of happiness it is abundant but is dropping as young people leave our condition.
  • Upon reaching forty, in what is called midlife crisis, it is when we are most unhappy.
  • Once exceeded this period, we return to recover emotionally and our happiness increases as we age.

Apparently, as we mature simultaneously we began developing our ability to learn from the bad news, giving less importance to information and negative facts and feeling better disposed to the good news which contributes to a more optimistic perception (though less real) of future.

The reasons for happiness


As our sense of happiness throughout life they evolve the reasons that tend to make us happy:
  • At age 20, our best happy life insurance relates to social success and freedom.
  • Upon reaching the quarantine, which pleases us most is the family life, the children and the smooth running of our career.
  • Between forty and fifty years, the loss of parents or children leaving the parental home makes us feel more miserable.

Age and best life insurance


As reasons that feed our happiness over our lives by changing our priorities are adapted to the needs of the age. These changes are also reflected in the type of preferences for contracting life insurance policies:
  • Individual policies in the early years, which usually have no greater responsibility than ourselves, a couple had to live in his own home that encourages us to hire a mortgage life insurance or risk life insurance. From the fifties, we are more in favor of any life insurance that complements our future pension.

Beneficiary of Life Insurance

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I am a beneficiary of a life insurance. What I have to do?


As you know, life insurance is a type of Personal Insurance on the payment by the insurer of the compensation agreed in the contract is dependent upon the death or survival at any given time.

When it comes to insurance in case of death, the beneficiary receives the amount stipulated in the policy when consumed by natural or accidental cause, the death of the insured.

Who is the beneficiary of a life insurance


We remind you that the beneficiary of a life insurance policy is the recipient of compensation. Although it is normal to be linked to the insured or the policyholder through family relate (children, parents ...), personal economic (close friends) or (business partners), you can appoint any person as beneficiary.

You can also designate more than one beneficiary per policy and identity change it at any time informing the company of the new decision.

Am I the beneficiary of a life insurance?


One in four Spaniards have contracted some form of insurance that covers death or validity. However, sometimes they are known stakeholders who are beneficiaries of these policies in order to reclaim and receive compensation.

To remedy this situation exists, through the Ministry of Justice, the Life Insurance Register, with data from 50 million insurance policies written in 200 companies.

Any interested party may, if in doubt as to whether the deceased person had a death cover insurance, the Register may request (within 15 working days from the date of death) a certificate with existing agency contracts and which are subscribed.

Within a maximum period of seven days, the Registry will issue the relevant certificate and with the information obtained, we will be able person in the corresponding insurance company.

Certificates can also be requested through a notary.

Registration data Life Insurance will be saved for 5 years, after which period prescribed obligations.

What I have to do as a beneficiary?


Once we know our status as beneficiaries, to make the claim of the policy no lawyer is needed but we must personally contact the insurance.

Normally, it has a maximum of 7 days from the death of the insured to report the incident and proving your identity properly complete the formalities of claim.

Thursday, October 22, 2015

6 Essentials: What Not to Do When buying life insurance

Posted by Unknown on 9:04 PM No comments

3 tips for successful purchase a life insurance policy

What to do to get the best odds of life insurance?

There are many insurance companies available in the United States and specifically those for life insurance. In this country, life insurance covers the insured's family financially during the latter's death or the occurrence of an unexpected event. But not only that, insurance benefits financially course. For which an insured or insurance agency or broker can choose the best options available in the market.

It should be noted that most insurers USA They lean toward the permanent life insurance as these that accumulate cash value, provide security and offer tax benefits and also recommended based on savings targets. However, policies vary depending on the health, family history and age of the insured. There are "specialized" policies offered to customers who have health problems such as diabetes, heart disease and cancer problems. Therefore, one insurance company should do a thorough market research before a quota and an informed decision about life insurance established.

For the best life insurance quotes, and to have the best s alternatives and possible solutions in terms of life insurance it is necessary to follow the good advice and tips mentioned below misguided

1. You remain the holder of the life insurance policy should compare quotes and which may vary by almost 200% comparing one company to another, prices and profits.

2. You should review the policy and allows the insurance company to change or renew your insurance from time to time if they needed it. This is very important because you would not be "tied" to a preset trading condemn him not changeable certain guidelines.

3. Care must be taken with the person who sells the policy, should be a professional insurance broker or "captive agent" of the insurance company. You may feel cheated by a broker, so you must do your own research before making a decision .You must have the freedom to change, remove, omit, add, how many are in your policy benefits, provided they clear allows the type of insurance purchased

What NOT to do

1. DO NOT buy a policy that does not set the terms and conditions which should have it clearly written and understandable letter legible and after acquired this should not replace it with a new one until the above has no effect
2. Do not make a decision if you are not convinced of what he will do. In this case it is better to wait or else purchase a term policy, which allows "flexibility" and its decision not to acquire a long-term.
3. DO NOT gained after a certain policy, replacing it with a new one until the previous is in effect.

You and your family need the best decision. Take your time; you should not take any decision if it is not fully defined. Check with your family, with your partner, children, relatives in general. Check with your pillow. Ask all the questions required of the person who will attend to the implementation of your policy and read all the documents carefully.

3 Important Steps To Buy A Life Insurance

Posted by Unknown on 8:51 PM No comments

Decisive steps before buying a life insurance

3 steps to buy life insurance

Define why you need life insurance

The first step relates to define because you need life insurance. Many people can act without thinking and what is it that you are aware of this important decision. Remember that life insurance not only secures your life, it helps ensure their families and the general welfare of them. Should then feel motivated to make the best decisions based on this.

Another important aspect is determining which questions may be that the insurer will be done, as these affect the benefits and alternatives of your policy and help to decision making. It may be: Who are the beneficiaries, wife, children, and business partner? What is your financial situation? What are the goals of having this coverage?

Call to speak with a professional and licensed agent or consider buying your policy online. The most correct option is to speak directly with a professional agent. In person they are more likely to come out with the right information faster and can make your decision as soon as possible. If you choose to meet with an agent he will know the changes you may face and that affect their coverage or their beneficiaries, and ask about all that necessary.

For example: Be given all the information about the different stages of life, such as marriage, starting a family or you wants when retirement arrives. All these questions and this information are important to define benefits, needs and interests.

Determine what is the right policy for you

Before choosing an insurance company, the policy calculate what you need, what is the coverage you need. Look for and find alternatives, either online at him by an agent as noted above, this will help you determine your life insurance and other financial needs.

Choose the right insurance company specialists remember that life insurance is precisely the insurance companies. No buy life insurance through intermediaries or companies engaged MISCELLANEOUS everything. Check the Internet, with your family and friends to help you make the best decision.

Moreover it is necessary to determine which type of policy needs to take into account the stage of life you are going through, this will help better define what their interests and possibilities .For example a term policy ensures protection rate lower for a certain period of time.

On the other hand if your finances are more comfortable and can pay a little more, a whole life insurance allows you to have a more affordable rate and could maintain this rate for life, having the option even borrows cash from the policy.

All this analysis may lead to determine the financial benefits of different policies and ensure that you have the right coverage at every stage of your life .For which with some frequency should review the circumstances in which you are and which products you have to ensure a happy and together with his loved ones future.

Exercise and keep good health

It is important to constantly exercise and stay fit; the better your health, the better the rate of your policy. You can save money by having better health, for example smoking is extremely unfavorable may be higher monthly premiums for your life insurance.

Maintain a healthy diet and exercise regularly. Your loved ones do not want you to miss. It is important to think and analyze the existence and the acquisition of a life insurance policy, but we know that nobody likes to talk or take account of these issues; dying is a very sad and boring task as an expert says, but come on to unforeseen situations and if you keep your health up to date is "stretching" that unpleasant moment for your loved ones. It is better to pay and that his family never has to find it necessary to distribute the proceeds of his life insurance.

Key Questions Before Buying Life Insurance

Posted by Unknown on 8:23 PM No comments

Key questions before buying life insurance


Life insurance provides financial protection to beneficiaries of the insured in case of death, an amount that does not involve tax cost to the recipients thereof.

For maximum benefit you have to choose the product that best fits the particular needs of the consumer. The following questions and answers will help you make the best choice:

1. Who needs to acquire a life insurance policy? If you or your family (spouse, children or parents) have made financial commitments having their personal income, the most effective and cost effective way to provide for their survivors a substitute for future earnings if you miss, is the obtaining life insurance. With benefits, the heirs may cancel the debts are in your name or create a fund to be distributed among the beneficiaries.

2. Is there enough life insurance benefits that are received through employment? Maybe not. The life insurance groups, which are often the type of life insurance offered by employers, usually pay a similar limited or lower than the wage of a worker year amount, which is often less than what survivors need to address their plans for short and long term.

3. How is the amount needed to obtain calculated? The main thing is to identify the amount of resources that your beneficiaries will need and how long you need to have it available. Once that amount is known, you can get an insurance policy for that amount.

4. Should acquire permanent life insurance or a term? The term life insurance is a policy that pays benefits when the insured's death occurs during the same term of the policy, or within the term of the policy, which is usually between one and thirty years. Premiums for this type of insurance are cheaper premiums permanent life insurance. The policy of permanent life insurance is valid for life, while the insured pay premiums.

Wednesday, October 21, 2015

How to Prepare for a Medical Examination When Applying for Life Insurance

Posted by Unknown on 1:09 AM No comments

How to prepare for a medical examination when applying for life insurance


When you apply for life insurance, many companies require as necessary to complete a review of health, both physical and psychological. And its results, the company will confirm the cost of the premium, as well the kind of policy we can access.

In addition to the exam, your doctor will also investigate history, employment, driving records, and even their criminal history. If the insured amount is too large, generally often they hire private detectives teams who will analyze your lifestyle, possessing security, etc.

The depth of the examination, as subsequent tests will depend on your age, health status, and especially of the insured amount you are requesting.

And how we prepare to take the exam?

For starters, if you have health problems, or a negative criminal record, is not too much that can change as the final report is certainly exclusive. But nevertheless, there are some measures we can use to improve performance:
  • Choose the day and time less stressful for you.
  • Make sure had a good sleep last night.
  • Avoid stressful job for a few days before the test.
  • Keep snuff, alcohol and caffeine to a minimum.
  • Be optimistic, do show signs of nervousness.
  • Eat well, several days in advance.
  • See time before a health professional to help you identify and eliminate or control those conditions that might prevent you from purchasing life insurance.

Are some tips that can benefit when the medical examination, but the most important thing is to keep a healthy lifestyle, allowing you to keep the cost of the premium.

Monday, October 19, 2015

Tips to Acquire Your Life Insurance

Posted by Unknown on 12:41 AM No comments

Tips to Acquire Your Life Insurance


When you go to purchase your life insurance is necessary to have in mind some tips that will help you to do well. Learn these tips below and do not forget.

Recommendations to buy your life insurance

There are various elements that you must keep in mind when choosing your life insurance. The most important are:

-    First think about the reasons why you require the insurance and recalls that ensure his welfare and his family.

-    Now it is essential to think about your current health and care, as when buying life insurance will make a physical examination to identify and determine the value of your policy. Being fit and healthy can save you money.

-    You need to think through the coverage you need. To do consider your financial needs and your salary. Multiply your annual income by 7 and can know the nearest number of coverage required.

-    Learn several insurers and analyze their offers. Choose which of them best suits what you need. Note that a good insurer will offer not one but several options, depending on your preference.

-    One tip I cannot forget when buying your life insurance is think through each of the options you have known before deciding on any of them. Analyze each of the contributions and the coverage you have.

-    Finally do not forget to choose a life insurance policy is necessary that this conforms to the stage that is already living their income. Do not choose to pay very high and unsustainable policies.
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