It may sound strange but there is a new type of life insurance called relevant life insurance available in the U.K. If you are a director of a company and offering relevant life insurance benefits or death in service benefits to your employees, you can qualify for substantial tax benefits. Directors and high-income employees can also benefit […]
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People over the age of 50 may find that they do not hold adequate life insurance but are afraid they won’t qualify for additional coverage. This is why so many companies are now offering over 50’s life insurance products targeted specifically at this market. However life insurance over 50 doesn’t have to be the minefield that it is
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Life insurance can be used for a variety of purposes but primarily it boils down to protection and/or  investment. Protection is necessary if you have others that rely on you to provide for them. This could be family members or even employees or business partners who would suffer hardship if you should pass away. Investment policies
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Many people often struggle to decide which is better for them: Term Life Insurance or Whole-Life Insurance. Both policies exist to serve specific purposes. Term life insurance is simply life coverage only. When the insured person dies, the face amount of the policy is paid out to the main beneficiary. A term life policy can
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Life insurance quotes play an important role in finding the best insurance policies and plans. The importance of life insurance is something that doesn’t need a discussion or debate. Everyone knows that life insurance plays a pivotal role in providing Security  for one’s survivors. There are numerous life insurance companies that operate in the market today and owing to
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Choosing the right life insurance policy can often be confusing and overwhelming. With all the different insurance companies, policy types, and price quotes, it is hard to know which one will provide the coverage that is best for you and your individual situation. If you are thinking of purchasing a life insurance policy but are
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Adequate insurance is not a luxury; it is a necessity. Unless you are among the independently wealthy and can afford significant losses due to illness, theft, disaster, car accidents or an unexpected death in the family, insurance is a necessity of modern life. Even the wealthy protect their jewelry, homes, cars and larger assets with insurance against loss
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None of us wants to think about getting old, but while a few things improve as we age, life insurance premiums are absolutely not one of them. As you get older, life insurance companies consider you a greater risk because, obviously, there’s more liklihood that they’ll have to pay out on a policy than if you were 30 years old. Let’s
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Term vs. Whole Life Insurance Let’s start with Whole Life, a type of insurance which, like its name suggests, is designed to cover you for the remainder of your life. The idea with Whole Life is that though you pay more than you would with Term Life, the extra money gets invested for you by
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Life Insurance Medical Exam Except for a very small subset of life insurance policies (no exam policies) virtually anyone who applies for a life insurance policy will be required to undergo a medical exam. Obviously, the insurance company wants to make sure they understand your health condition before they price the life insurance policy. As
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Is Life Insurance For Everyone? In today’s economy and society, life insurance can be a necessity. Unfortunately, about 40% of American families don’t have individual life insurance. But for families living on the edge financially, life insurance is especially important because if the family was struggling financially with the primary money earner how much more will it struggle
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Insurance You don’t have to change insurance companies every time you see a commercial on T.V. promising to save you 15 percent in 15 minutes. However, it’s a good idea to periodically review your coverage because various events in your life can have a dramatic and significant impact on the premiums you pay. Insurance companies
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