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[ February 28, 2006 at 12:17 pm ]

You just spent 30 years making reports, fielding phone calls, filing papers, and pacifying your boss at the office. At the end of each day, you find your energy gradually waning as you reach that point wherein you wanted to declare the last part of your work — retirement.
Retirement is when an individual feels like withdrawing from their occupation to find some time for their selves and contemplate on how much he or she has earned or saved.
Everybody needs a time to stop working, reflect back upon the past, and enjoy whatever life has to offer with the individual’s retirement plan or pension staying close behind.
However, the problem of retirement using the typical pensions plans like that of the Social Security; people should start relying on their own savings than the usual way of planning for retirement. This is because the Social Security is gradually losing more assets than it …

World »

[ February 28, 2006 at 12:16 pm ]

Can you find cheap insurance? Yes. You can not only spend less on all types of insurance, but you can get more of the coverages you need for less. Here are a few insider secrets to help you out.
Cheap Life Insurance
- Purchase multiple policies. Instead of buying one large policy, save money by buying two, or even three, and staggering the terms. Have one run until the kids are out of the house, for example, and the other until your retirement fund kicks in.
- Investigate the company. Visit www.naic.org/cis, the National Association of Insurance Commissioners site. It has links to check out companies, including their financial condition, and the complaints filed against them.
- Ask about rebates. Some states allow agents to rebate a portion of their commission to you. Check online or by phone. You don’t have to be from the state to buy insurance there.
Cheap Auto Insurance
Get several quotes, …

World »

[ February 28, 2006 at 12:15 pm ]

While not a life insurance product, I think it is worth mentioning about the other two more popular types of insurance. Instead of paying a death benefit, critical illness insurance and disability insurance pay a living benefit.
Critical illness (CI) insurance was developed by a South African doctor in the early 1980’s after he was alarmed that while many of his patients had standard life insurance, it was of no use to them if they had a heart attack and survived. Critical illness insurance will pay a lump sum benefit should you be diagnosed with a serious illness or condition and survive a set time frame (usually one month). The big three conditions are heart attack, stroke and cancer – but some insurance companies add additional 18 – 20 conditions under their plans (leukemia, severe burns, loss of limbs…). CI application forms are very similar to their life insurance counterparts, the …

World »

[ February 28, 2006 at 12:10 pm ]

Can you find cheap insurance? Yes. You can not only spend less on all types of insurance, but you can get more of the coverages you need for less. Here are a few insider secrets to help you out.
Cheap Life Insurance
- Purchase multiple policies. Instead of buying one large policy, save money by buying two, or even three, and staggering the terms. Have one run until the kids are out of the house, for example, and the other until your retirement fund kicks in.
- Investigate the company. Visit www.naic.org/cis, the National Association of Insurance Commissioners site. It has links to check out companies, including their financial condition, and the complaints filed against them.
- Ask about rebates. Some states allow agents to rebate a portion of their commission to you. Check online or by phone. You don’t have to be from the state to buy insurance there.
Cheap Auto Insurance
Get several quotes, …

World »

[ February 28, 2006 at 12:09 pm ]

While not a life insurance product, I think it is worth mentioning about the other two more popular types of insurance. Instead of paying a death benefit, critical illness insurance and disability insurance pay a living benefit.
Critical illness (CI) insurance was developed by a South African doctor in the early 1980’s after he was alarmed that while many of his patients had standard life insurance, it was of no use to them if they had a heart attack and survived. Critical illness insurance will pay a lump sum benefit should you be diagnosed with a serious illness or condition and survive a set time frame (usually one month). The big three conditions are heart attack, stroke and cancer – but some insurance companies add additional 18 – 20 conditions under their plans (leukemia, severe burns, loss of limbs…). CI application forms are very similar to their life insurance counterparts, the …

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[ February 28, 2006 at 2:37 am ]

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