A New Year and a Happy Financial Plan!

Life Insurance Contracts

January is a peak time for most Americans to take time to reflect on their previous year and what they were able to accomplish. Sometimes it’s a good review, and sometimes it isn’t so pleasant. Care to share what things jump off the page from your 2013?  If you’re like most others, the New Year also brings out the willpower for a New You! Goals are set and new habits are formed, from diets and personal life changes to maybe a career change in your professional life. In either case,…

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Life insurance customers in India pay 56 percent more if they smoke

nonsmokers homeowners insurance

Non-smokers in the country pay less than half than their counterparts do within that country. The research from Aviva Life Insurance in India has revealed that when a 10 year term plan is purchased by a smoker in India, he or she pays 56 percent more than his or her nonsmoking counterparts. This is because the habit has been identified as increasing a large number of health risks among policyholders. Term plans are the form where only the life insurance amount is paid at the time of a policyholder’s death…

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Too good to be true life insurance

When shopping for life insurance on and offline buyers should beware. Many, not all, quote preferred rates which are hard for the best of health to get. We’ve all heard the commercials or seen the ads promising premiums for $10 a month with no underwriting required, but many find that after speaking with an agent, that $10 a month is nowhere in the ballpark, and medical tests are required! It’s called the ol’ bait and switch but here are some dos and don’ts to avoid this… Online quotes are merely…

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