Saturday, 21 January 2017

Life Insurance In Uk For Non-Residents | Help

What is life insurance? 

Life insurance is an insurance product that will pay out a lump sum payment to your family in the unfortunate event that you die.


Life insurance can provide your family with valuable finances that will help them to carry on living in their home, and to survive without you at such a difficult time. 

Why do I need life insurance? 

You need life insurance if you have financial responsibilities which your family could not take over if you were to die. Somebody with a mortgage and children is someone with financial responsibilities, and in families where both parents work, and their income is needed to keep the home running, life insurance can really make a difference. 

Should you unexpectedly die, if you have life insurance your life insurance payout will often pay off the mortgage, and leave your family with enough money to survive while they find their way back on their feet. Without life insurance you can leave your family in a financial mess, and as a result the family could lose their home. 

This is one of the main reasons many mortgage lenders make life insurance a compulsory part of taking out a mortgage. 

How does life insurance work? 

There are two different main forms of life insurance. Whole life insurance, which covers you against death for your whole life, or term life insurance, which covers you during a certain term. This term if often until you reach a certain age, or pay off your mortgage.


Term life insurance is a lot cheaper than whole life insurance because most people outlive their insurance term. 

When you take out life insurance, you need to calculate how much money your family would need in your absence, and you then base your policy around this. The policy will cost a different amount for different pay out amounts, and generally a term life insurance policy is around eight times cheaper than a whole life insurance policy because of the nature of the two policies. 

Term life insurance vs whole life insurance 

Whole life insurance is more expensive but offers a guaranteed return on investment. Term life insurance offers protection when you need it the most. At your point of most financial responsibility. Once you reach an age where you have paid off your mortgage and your children have left home there is usually much less of a need for life insurance. 

When purchasing life insurance there are many other forms available such as unemployment cover and critical illness insurance.

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Friday, 13 January 2017

Top 10 Mesothelioma News Stories of 2016

Mesothelioma researchers, advocates and physicians unite across the nation every day to change the future of mesothelioma treatment.


Because of their selfless efforts, mesothelioma survivors are living longer, fuller lives with their loved ones at their side. 

As an advocacy organization, we continually share the latest news about medical breakthroughs and other advancements impacting the mesothelioma community. Today, we reflect on several major headlines of 2016. 

Many of our top headlines this year focused on new treatment options for mesothelioma patients. Given the rarity of this difficult cancer and the lack of a cure, patients may feel they have limited options. Thanks to mesothelioma specialists around the world, survivors now have hope for a cure in the future.

Cuba’s Lung Cancer Vaccine Heading to the US 

CimaVax, a new lung cancer vaccine, will make its way the U.S. after changing lives in Cuba for more than two decades. The loosening of the 54-year-old Cuban embargo made access to the vaccine in the U.S. possible. 

The Roswell Park Cancer Institute in Buffalo, New York, will soon begin a clinical trial for lung cancer patients featuring the vaccine. This development means there is hope the immunotherapy drug will also fight mesothelioma.

Immunotherapy Trial for Mesothelioma Shows Early Promise 

Mesothelioma patients responded well in a phase I clinical trial for avelumab, an immunotherapy drug researchers are testing on more than a dozen cancers. The trial included 53 mesothelioma patients with the pleural or peritoneal type of the cancer. The drug reduced tumor size in nearly 10 percent of patients, and the majority of participants had limited side effects from the treatment. 

Immunotherapy Vaccine for Mesothelioma Gets High Marks 

A mesothelioma clinical trial focused on a new immunotherapy vaccine showed amazing results. Tumor shrinkage was reported in 85 percent of patients. Researchers say immunotherapy vaccine CRS-207 may soon become a standard-of-care treatment for mesothelioma. In addition, CRS-207 produced a startling 94 percent disease control rate when combined with a chemotherapy cocktail of cisplatin and pemetrexed in a recent, multicenter clinical trial.


Tremelimumab Failed to Extend Mesothelioma Survival Rates 

Researchers were previously testing tremelimumab, an immunotherapy drug, as a second- and third-line treatment for unresectable mesothelioma in a phase IIb trial. The drug already had shown success with other cancers. 

Unfortunately, the drug failed to extend the lives of malignant mesothelioma patients, which resulted in ending the multicenter clinical trial in March. While this is seemingly bad news, mesothelioma researchers can now turn their heads and focus to more promising treatment options. 

WT1 Vaccine Nears Approval as Second-Line Mesothelioma Treatment 

Mesothelioma patients may soon benefit from the first second-line treatment for the disease if the FDA approves the WT1 vaccine. Nearly all mesothelioma patients express the WT1 antigen, which would allow a majority of patients to potentially benefit from the vaccine. 
Research shows the vaccine is especially effective as an enhancement to treatment, mostly in preventing recurrence after first-line therapy such as chemotherapy, surgery and radiation. 

Garlock, EnPro Reach $480M Settlement for Asbestos Claims 

EnPro Industries agreed to the multimillion-dollar settlement of Garlock asbestos claims against the company’s bankruptcy trust fund. The settlement was reached with the court-appointed committee representing current claimants and legal representatives for future claimants. Now, Garlock asbestos victims may finally have access to the financial assistance they rightfully deserve.

New Study: Asbestos Related to Most Common Kidney Cancer 

An Italian study shows asbestos exposure may lead to the most common type of kidney cancer: Renal cell carcinoma. The link to kidney cancer adds to the horrific history of asbestos, a substance definitively connected to mesothelioma, lung cancer and other respiratory illnesses. This exemplifies the serious dangers related to asbestos exposure and serves as a reminder for people with any history of asbestos exposure to diligently monitor their health for any possible changes.

Mr. Fluffy Asbestos: Photos Educate Canberra Homeowners 

New photos show the extreme contamination endangering Canberra residents living in homes with Mr. Fluffy brand loose fill insulation. Australia’s Asbestos Response Taskforce shared photos in order to raise awareness about how toxic fibers can migrate through homes. It’s important to remember that asbestos is not banned in the U.S. and many homes built before the 1990s may still have the deadly substance lurking behind walls and in ceiling tiles. 

Comedian Quincy Jones Has Mesothelioma, Lands HBO special 

In a story that collectively broke the mesothelioma community’s heart, young rising star comedian Quincy Jones was diagnosed with peritoneal mesothelioma. Given a heart-wrenching prognosis of just one year, the young star set out to raise awareness and leave a comedic legacy behind. With the help of TV star Ellen DeGeneres and HBO, Quincy was able to live his dream by hosting his first one-hour comedy special. 

Johnny Lattner: Heisman Winner and Steeler Dies of Mesothelioma 

Heisman Trophy winner and two-time college football All-American Johnny Lattner died of mesothelioma in February 2016 at the age of 83. Diagnosed with the asbestos-related cancer in September 2014, the well-known football player cited his two years in the U.S. Air Force and his summer jobs in college as his exposure sites. This serves as a reminder that U.S. veterans are at a high risk of developing mesothelioma because every branch of the military used asbestos. 

Dedicated to Continually Increasing Mesothelioma Education 

All of us at The Mesothelioma Center are committed to raising awareness about mesothelioma and the dangers of asbestos. Throughout 2017, we will continue to share information about recent innovations from the mesothelioma research community. 

 If you would like to stay up-to-date on our latest news articles and blogs, sign up at the bottom of this page for our newsletter.
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Thursday, 5 January 2017

Blood, Organ, and Other Medical Donations In USA | Help

Donate Blood 

Donating blood is a simple way to help save a life. If you're a first time donor, let the organization know when you make your appointment and ask


  • Is there is something you need to do ahead of time to prepare?
  • What are some of the potential adverse reactions to the procedure? 

The government monitors blood and blood products to make sure blood is handled properly and that you're safe as a donor or as a transfusion recipient. Learn more about blood monitoring for safety. 

Where You Can Donate 

The American Red Cross and the United Blood Services are nationwide organizations that manage blood donations. They are not part of the federal government. 

The Armed Services Blood Program (ASBP) is the official blood program for the U.S. military. It is part of the federal government. Most blood products are for ill or injured service members, veterans and military families worldwide. 

Register to Donate 


  • Call the American Red Cross blood donation hotline at 1-800-RED-CROSS (1-800-733-2767) or visit their website for local blood drives and Red Cross regions. 
  • Visit the United Blood Services website for local blood drives and donor centers.
  • Civilians can donate blood at an ASBP blood donor center on a military installation only. Restrictions apply on who can donate. See the ASBP website for a list of military donor centers.

Donate Organs and Tissue Organ and tissue donation and transplantation provide a second chance at life for thousands of people each year. People of all ages can be organ and tissue donors. There are few reasons a potential donor may not be suitable (such as HIV infection, active cancer, systemic infection) and no strict upper or lower age limits. Read inspiring stories and learn how the processes of organ donation and transplantation work at OrganDonor.gov. 

Donate to People 

  • Sign up to be an organ and tissue donor through your state organ and tissue donor registry. 
  • Find answers to frequently asked questions about organ and tissue donation

Donate to Science 


  • You can donate either your complete body or specific organs like your brain to help medical research. 
  • Contact the medical facility or research study of your choice to make donation arrangements based on what area of research you want to help. 

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insurance policy for a child is a great gift idea | Help

Give Your Child a Financial Head Start 

The purchase of a whole life insurance policy for a child is a great gift idea


It offers both a financial head start for the child and financial protection for the parents. A Whole Life policy is the type of policy that accumulates cash value over time. 

Therefore, if a family member contributes a relatively small amount of money towards the purchase of a whole life policy on a toddler, someday the beneficiary could consider the matured policy to be a valued gift that provides protection.Some experts say that child life insurance is not a sound financial move. 

They argue that it’s not necessary to purchase children’s life insurance because children are not assets that need protection. In other words, they argue that the only family member needing insurance is the financial provider. However, there are many reasons that those arguments are flawed. For example, some unavoidable health problems could prevent your child from purchasing insurance when he or she is grown. 

Or in the event your child works in a hazardous occupation, engages in dangerous activities, or becomes uninsurable for any medical reason, his or her only option could be to pay for an expensive high-risk policy. Now try to visualize the fact that someday your small children will have their own families. Think what it will mean when they realize that the policy you had the foresight to purchase when they were children is now serving as protection for their own families.


By purchasing your child life insurance when they are young, you guarantee that he or she will always have life insurance coverage. 

Therefore, besides the obvious financial benefits of purchasing a children’s life insurance policy, your children will grow up knowing that your caring concern gave them a financial head start in life.

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Thursday, 29 December 2016

SOFICAS Health Insurance in France - independent broker since 1988 | Help

Our job is to solicit the largest insurance groups to bring you the best financial and technical solutions regarding your individual health insurance needs in France.

We cover the whole of the French territory and we specialize in Health Insurance, Top-Up and Full Private cover, for the English speaking population living in France, or on the point of doing so. For over 15 years, SOFICAS has specialized in health insurance for English speaking people and has obtained important means to bring you a high quality service. 

Established in 1945, the French public health programme, called the 'Securité Sociale', has undergone many transformations, and continues to change depending on European economics and National Health matters. Keeping up with these changes made to an already complicated system and understanding how differences could affect each individual is the main reason why people recommend SOFICAS.

SOFICAS will guide you through the tedious task of getting into the French Health System, but that’s not all ! SOFICAS can accompany you thereafter with your French Health, Top-Up or Full Private Health Insurance needs in English. 


The Top-Up system has become a way of life for the French. Health services have become increasingly expensive and Government reimbursements have decreased considerably over the years. However, many have family or friends that have experienced the excellent French health services and they will tell you,

"Thank goodness we had a Top-Up!" 


During this financially demanding period, people are hesitant to give up their Top-Up insurance to save money but prefer to re-examine their existing policies. Ironically, when SOFICAS is contacted to make comparison, people realise that they have often been underinsured and / or overpriced. 

It is not unheard-of, to get a higher level of cover through SOFICAS and to pay lesser premiums

 

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Tuesday, 27 December 2016

Life Insurance in Saudi Arabia | Help

Although growth is expected to ease in Saudi Arabia’s competitive insurance sector this year


The industry still holds plenty of potential for expansion, particularly in the health and life segments. 

Despite having the largest population and economy in the region, the Kingdom’s insurance sector is characterised by underperformance and low penetration rates, especially in the non-property and automotive fields.

Overcrowding in the market and tight margins have combined to put the Kingdom’s 30 policy writers under pressure as they vie for business from a comparatively small base, prompting them to adopt tactics aimed at attracting clients away from rival companies, such as cutting policy contribution rates.

Fahd Al Anazi, a member of the Shura Council, the Kingdom’s consultative assembly, believes consolidation could be the solution for struggling insurers, enabling them to both strengthen their capital and increase customer numbers. 

“A number of insurance companies have had their capital diminish because they failed to get high enough returns to compensate for their losses,” Al Anazi told the Arab News in October. “There were 30 established companies investing $26.6m, and high establishment and operating costs have caused the erosion of their capital.” 

While the environment that Saudi’s insurers are operating in is challenging, a recently published report by ratings agency A M Best highlighted the opportunities for growth that the industry offers, both in the Kingdom and across the wider Middle East and North African (MENA) market. “The MENA insurance markets tend to be immature, with very low penetration rates compared to their international peers,” the report, issued in early October, said.


Life insurance is seen as the most under-developed segment, with the trend magnified in Saudi Arabia. Figures show that life insurance makes up about 6% of all premiums written in the Kingdom, well below both the 16% recorded in the UAE, which is the region’s largest single insurance market. 

The health segment is also expected to provide opportunities for local insurers on the back of a drive by the government to move away from state-dominated health care and encourage the development of private medical services. Demand for cover looks likely to rise in the direct health services segment, pharmaceuticals, and also among subsidiaries as private medical care operations expand. 

The Best study said Saudi Arabia’s stability, together with the insurance sector’s potential and the size of its economy, should see the Kingdom achieve a higher rate of growth than regional forecasts, which have estimated a below 5% rise in total gross premiums written (GPW) for MENA. 

The solid regulatory system that governs the insurance sector is also expected to support growth. While a reinforced oversight system introduced by the regulatory body, the Saudi Arabia Monetary Agency (SAMA), spelled added bureaucracy for firms when it was enacted in 2008, it was widely agreed the system played a key part in improving transparency and accountability across the industry. 

The regulatory system has also been instrumental in keeping the country safely distanced from markets that have found themselves in the spotlight over questionable practices, such as concerns about whether all Islamic insurance firms are meeting sharia compliance requirements. 

SAMA, which covers both the conventional and sharia-compliant segments of the insurance industry, earned praise from Moody’s ratings agency in a report published earlier this year. The agency noted that, “Insurance regulators in the region are increasingly embedding prudential insurance regulatory supervision philosophies into their monitoring of local insurance companies, particularly in Saudi Arabia and the UAE”. 

While regulation is expected to play a part in supporting growth, the marketplace remains a tough environment in which to do business. Industry players, particularly smaller outfits, may well find that survival depends on an ability to successfully expand their business activities and deepen penetration rates. The alternative looks increasingly likely to be a round of mergers that will consolidate the industry, lift capital standing and strengthen the position of a potentially smaller number of operators in the marketplace.

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Saturday, 24 December 2016

Insurance law in Italy - 10 things to know | Help

1. A European jurisdiction 

Under EU Treaties, Italy recognises the possibility for EEA insurers and intermediaries to passport their licences and operate in Italy under the freedom of services or the freedom of establishment regimes, although subject to the supervision of the home-country authority.
Italian Insurance law is largely harmonised with other European jurisdictions as a consequence of the application and implementation of numerous EU Directives, in particular with regard to insurance mediation, financial products, auto insurance and, in relation to regulation and supervision, solvency margins, technical reserves and authorisation processes for insurance licences, portfolio transfers or the acquisition of an insurance business or entity. 

Certain rules and practices are, however, unique to the Italian market, particularly in respect of auto insurance, which represents a very large share of the total insurance business in Italy. 

2. Insurance contracts 

Material information must be fully and correctly disclosed to the insurer by the insured at the time of entering into or renewing an insurance contract. A policy is void in the event of intentional or grossly negligent misrepresentation or non-disclosure on the part of the insured that is likely to have materially affected the assessment of risk.

In relation to casualty policies, statutory provisions compel insurers to cover legal expenses relating to a covered claim, up to 25 percent in excess of the applicable limit.

3. Insurance intermediaries 

Italian intermediaries are classified into three main categories: 
  • agents (acting on behalf of insurers) 
  • brokers (acting on behalf of the insured) and 
  • banks or financial institutions (acting under the direction of the insurer and having joint and several liability with the same). 

Each of these intermediaries may appoint sub-intermediaries. 

No exclusivity can be granted by a non-life insurer to an insurance intermediary; insurance intermediaries (both life and non-life) are, however, free to collaborate and may therefore refer their clients to other intermediaries. 
Banks and financial institutions can only distribute "standardised" insurance products (with some exceptions) and cannot therefore assist the client in relation to the negotiation of a tailor-made insurance policy. 

4. Motor insurance 

Third party liability (TPL) motor insurance is mandatory for all car owners in Italy and the Italian TPL auto insurance sector is highly regulated. Insurers have an obligation to offer TPL auto insurance to all persons requiring coverage. Consequently, insurers also have an obligation to calculate a tariff for each potential client, which must be prepared by an actuary consistently with the insurer's technical data based on the statistics of the previous five years, or market data, if the insurer’s statistics are not reliable. 

A large number of provisions also apply to many other aspects of motor TPL contracts, including their duration, publication of the premiums, pre-contractual information and claims management, as well as reports to be made to the authorities for anti-fraud purposes. 

Since the European Court of Justice has recognised that this legislation is to be considered of general benefit, the above-mentioned obligations and rules apply to both Italian and non-Italian insurers, unless they limit their "Italian" motor TPL licences to fleets only. 

5. CPI business 

In relation to insurance products connected to loans, intermediaries must be transparent as regards commissions received and are prevented from being, directly or indirectly, the beneficiaries of indemnity rights. 

Furthermore, if an insurance guarantee is required for the grant of a loan, intermediaries (i.e. banks or financial institutions offering the loan) can not compel the client to purchase an insurance policy mediated by them. In addition, they are obliged to offer the client at least two alternative life insurance policies, or to accept a life policy selected by the client. 

6. Insurance portfolio transfers 

The consent of policyholders is not required for insurance portfolio transfers, although insured parties must be notified of the transfer and may withdraw from their contracts if the assignee is a non-Italian insurer. 

According to the Italian regulator, an insurance portfolio must (for these purposes) include policies which are still generating premiums and can not be made up of claims only. 

7. Reinsurance 

EEA and non-EEA reinsurers may underwrite risks in Italy under the freedom of services regime - not having an establishment in Italy - without any previous authorisation and with no requirement to post a specific amount as collateral. However, the Italian regulator, for the purposes of the solvency margin of Italian insurers, may disregard reinsurance contracts entered into with a non EEA reinsurer, based on the solvency of the latter. 

8. Financial Products 

Financial products issued by insurance companies and marketed in Italy are subject to the same rules which apply to financial products issued by banks and financial intermediaries under the MIFID Directive and are subject to the supervision of the financial market authority; for certain transactions, a prospectus must be filed with such authority beforehand. 

In relation to both index linked policies and capitalisation contracts, Italian insurers may not transfer to the client the risk of default relating to an issuer of the asset covering the insurer's reserves.

9. Outsourcing 

Outsourcing of insurance activities is allowed, although an insurance company cannot become a so-called “empty shell”. Underwriting cannot be outsourced, but a call centre may underwrite risks on behalf of insurance companies. Outsourcing of essential and important functions must be notified to the regulator beforehand and may not in any case compromise the stability of the company or the quality of its services, nor increase its operational risks. 

10. Pre-contractual information 

Except in the case of cover for large risks (as defined in EU Directives), insurers must provide clients with pre-contractual information, which is contained in an information booklet. The contents and format of this booklet are determined by the regulator. 

In addition to the terms and conditions, the booklet must contain a summary of the insurance contract, with requirements that may differ on the basis of the type of contract.

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Sunday, 18 December 2016

Premiers has been helping for Student Visa Services

Premiers has been helping students from the Middle East to gain international education from primary universities and colleges in Australia, Canada, New Zealand, and the United Kingdom.


Our core mission is to guide students in making the right choice in pursuing higher education. Aside from important information on how to study overseas, we are also helping students how to comply with the requirements to finally migrate to the country of their choice. 

The decision to pursue global education is a crucial step in your personal investment to increase your employability and to gain a rewarding career. Hence, it is highly recommended that you find a professional firm to help you with your goal. 

Premiers can help you find the right courses that are designed according to your skills and prospects. We can help you choose courses according to your available funds. You can study two-year diploma course on different areas of study, bachelor degrees, post-graduate programs and even practical courses such as accountancy and nursing. 

Regardless of your choice, we guarantee that you will obtain your student visa and enjoy the rewards of international education. Call our client services department today and let us talk how you can jumpstart your career and make your first step towards overseas migration.


Australia Immigration Services 

Australia has become one of the best places to migrate to due to its high demand for skilled workers. As a result, it has implemented a very welcoming immigration policy in which anyone who meets the country’s selection criteria are invited to apply regardless of their race, creed or ethnic origin. Among the skill categories most in demand include

• Business and IT professionals 
• Administrators and managers 
• Tradespersons 
• Associate professionals 

The country also welcomes business professionals who are interested in bringing their investment capital and international experience to help Australia’s economic development. 

If you are interested in migrating to Australia but are not sponsored by an employer, family member or state or territory, you need to apply for a Skilled Independent Visa. 

This is a permanent visa category that allows you to live and work anywhere in the country and include in your application eligible family members, including your domestic partner as well as qualified dependent children and relatives of you and your partner. 

You can remain indefinitely in Australia with full work rights. Since this visa is offered only by invitation, you will have to submit an Expression of Interest through the online service SkillSelect as well as meeting other requirements. 

Contact us now for Free Assessment or Call us on 00971 4 397 9999.

 

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Thursday, 15 December 2016

10 Tips to Get Started with Life Insurance | Help

Many people recognize the need for life insurance, but they don’t take the next step because they feel they don’t have a safe, pressure-free place to start. Here’s what you should know.


1. If you have dependents — you need it 

If you have children or other loved ones who depend on the money you earn, you need life insurance. Its primary purpose is to protect your income. Life insurance helps your dependents keep on living as they would if you were still earning a paycheck. 

2. Life insurance helps replace your paycheck if you aren’t there to earn it 

If you’re looking for a reasonable estimate on the amount of life insurance you should buy, start by multiplying 60% of your annual income times the number of years to retirement. This takes your salary, assumes some normal raises over time, and adds the value of your employee benefits, like healthcare. Then subtract the effect of taxes, and what it costs your family to have you around. 

3. Some life insurance is better than no life insurance 

A good starting place is coverage that equals any outstanding debt (including mortgage, car payments and student loans) + 5 years of annual salary. Use the average American salary, $40,000, to represent your income in your estimate if you’re a stay-at-home parent or currently in-between jobs.


4. Life insurance is less expensive than you think Many people think 

life insurance is much more expensive than it actually is. In fact, many people can get term coverage from a reputable company for a surprisingly low price. A healthy 35 year old can pay as little as $30 a month for $500K of coverage. Life insurance does get more expensive as you get older. It makes sense to buy as much as you may need while you’re young and healthy. 

5. Life insurance is a smart financial move 

If you’re looking for a recommended amount of coverage, you can expect to pay about 1% of your annual salary on the annual cost of term life insurance. (Spending 1% of your income to protect years of income is a pretty good deal.)

6. Make sure you know how much life insurance you get at work 

Many people assume they have more coverage at work than they really do. You should look carefully at the amount of coverage your company may provide, then buy additional life insurance, either through benefits plans at work, or on your own, to make sure you have the right amount of coverage for your unique needs. 

7. Life insurance needs change over time 

Life insurance needs change over time – new family members, a new job, a move, or even a raise at work can change a lot. Review your protection every year during your benefits enrollment period at work or when you receive your Social Security statement in the mail. 

8. Term life Insurance is an easy and inexpensive way to get started 

Term life insurance offers more coverage for less money. It is an easy and cost-effective way to get protection in the short term. Because this type of insurance runs out at the end of the term, use it to protect needs that you can anticipate—like paying off a mortgage or funding college for your children. 

On the other hand, permanent life insurance can also be an important part of your lifetime financial plan. It’s flexible, and can help you meet a number of important goals, including protecting your income building equity, providing an additional source of retirement income, and leaving a financial legacy for your loved ones. You can supplement retirement income by taking loans or withdrawals from accumulated cash value (although the policy’s cash value and death benefit are reduced by the amount taken, plus any loan interest charged). 

9. The financial strength and reputation of the company you buy it from matters 

When choosing a life insurance company, the financial strength and reputation of the company you select is a key consideration to ensure guarantees are kept. Ask around and do some research before you buy. (Publicly-traded life insurance companies are required to report on their financial condition 4 times a year.) 

10. There is no substitute for good advice 

The more you know about life insurance basics, the more control you have over deciding what’s right for you. To get the right answers, some people prefer talking to a trained financial professional, while others favor doing their own research online or in the press. Whatever way works best for you, taking action to protect your family with the right amount of life insurance coverage is an important part of your lifetime financial plan. 

 

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