Term Life Insurance Blog

Sunday, April 08, 2007

Canadian tour of personal finance

Canadian Money Advisor is hosting the First Ever! Canadian tour of personal finance.
Check it out on April 16, 2007

Canadian Tour of Personal Finance blogs.

by monty loree - Term Life Insurance -
Term Life Insurance

Thursday, December 21, 2006

Life Insurance Blog, Law Blog, Related Industries Blog Life Insurance Bloggers Wanted

I am inviting anybody life insurance blog writers and law blog writers to come and visit on my blog.

In 2007 we will be covering many topics in life insurance. Along with talking about different life insurance products, I will be covering instances where people died an untimely death and hopefully had life insurance.

I will also be excited to visit your blogs and comment on your topics.

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Again, if you have a blog that talks about life insurance, legal law aspects of life insurance, and any other related fields to life insurance, I am inviting you to drop by and visit on my life insurance blog.

The interesting thing is, the more I blog about life insurance, the more I learn about life insurance. Adding the legal and related industries components to this blog will help our readers get a much better grasp of the different aspects of life insurance.

Life Insurance Bloggers Wanted
Legal Bloggers Wanted
Funeral and Death related industry bloggers wanted

by monty loree - Term Life Insurance -
Term Life Insurance


Saturday, December 02, 2006

Term life insurance

I noticed that I haven't written much in this term life insurance blog recently.
I have switched over to Term life insurance blog on http://www.quality-ins.com

It's pretty time consuming to post different articles to different places, even though they reach different audiences.

I thought while I was here, I would post some interesting news articles about term life insurance in Canada and the U.S.

Why Now is a Good Time to Consider Life Insurance
2 Dec 2006 at 8:36am
(ARA) - Life insurance isn t a topic that is usually brought up at dinner time. No one likes to think about their death or the death of a family member. And no one thinks it could happen to them, but the reality is it could!

Applying for Life Insurance? Be Sure to Tell Them Everything!
2 Dec 2006 at 3:06am
(ARA) - The last time you filled out a job application, did you maybe stretch the truth a little about your responsibilities? A lot of people do it to make a better impression on a potential employer, but you better not do it on an application for life insurance!

Why You Can\'t Depend on Group Life Insurance
2 Dec 2006 at 3:06am
(ARA) - If you have a full time job, you may also be fortunate enough to have a free term life insurance policy through your employer. For most people, it s the equivalent of a year s salary. If you re lucky, it might even be as high as three times your annual salary.

China to keep 50 percent cap on foreign stake in life insurance joint venture
30 Nov 2006 at 9:52pm
China is unlikely to lift the 50 percent cap on foreign investment in life insurance joint ventures "in the foreseeable future", state media cited the industry regulator as saying.

Smokers Can Afford Life Insurance
1 Dec 2006 at 5:40pm
(ARA) - If you ve been putting off shopping for life insurance because you re a smoker, or think you are paying exorbitant premiums because of your habit, it s time to start shopping around.

Life insurance Without an Exam Not a Good Idea
1 Dec 2006 at 2:06pm
(ARA) - Are you one of those people who always gets nervous at test time? If so, you may be intrigued by the prospect of buying a life insurance policy that doesn t require a physical exam, but you could be making a huge financial mistake.

Universal American Completes Sale of Its Canadian Subsidiary PennCorp Life In
1 Dec 2006 at 2:21pm
RYE BROOK, N.Y.----Universal American Financial Corp. announced today that it has completed its previously announced sale of UAFC Inc., including its Canadian insurance subsidiary PennCorp Life Insurance Company, in an all-cash transaction to a venture 70% owned by La Capitale Civil Service Insurer Inc., a subsidiary of La Capitale Financial Group Inc., and 30% owned by GMF Assurances, a French

Bankers Conseco Life Insurance Company Introduces New Health and Life Insuran
1 Dec 2006 at 11:21am
Bankers Conseco Life Insurance Company today announced that it will begin selling health and life insurance plans, including those specifically designed for seniors, through their career agent force in the state of New York, effective immediately.

Term Life Insurance Prices Drop by Half
30 Nov 2006 at 9:25am
With economic inflation, most prices tend to go up, not down. But there are always exceptions, including term life insurance. It now costs 50 percent less than it did 10 years ago.

China to keep 50 percent cap on foreign stake in life insurance joint venture
30 Nov 2006 at 10:02pm
Shoppers in Chengdu. China is unlikely to lift the 50 percent cap on foreign investment in life insurance joint ventures "in the foreseeable future", state media cited the industry regulator as saying
by monty loree - Term Life Insurance -
Term Life Insurance

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Monday, July 17, 2006

Home Maintenance – Don’t Lose Out on your Home and Contents Insurance.

Home Maintenance – Don’t Lose Out on your Home and Contents Insurance.
Michael Challiner
Express Home Insurance
Holmes Chapel, Cheshire

Every homeowner is familiar with the maintenance it takes to keep your home in good shape to avoid future problems. Keeping your property in good repair with regular preventative care is a necessity to make it a comfortable home – but did you know that poor maintenance can have other side effects besides a little damp or dry rot? In the event of a claim on your home and contents policy, insurers will look at your property’s upkeep very carefully, Should your care be found to be at fault, your claim could suffer. Poor maintenance can lead insurers to reduce their payment to you – or worse, refuse to pay altogether.

So how can you avoid this problem? Here are our top ten tips in our once –a-year guide to a well-maintained home. It’s the annual checkup no homeowner can afford to miss!

Start your care plan once winter is over – winter is the time when most problems reveal themselves due to the damage caused by wind, rain, snow and frost. In the springtime, you can assess them properly and take corrective measures. Choose any calm spring afternoon, or even take it up as part that other traditional Easter pastime – doing up the house! If you catch a problem early, it will be much easier to correct and could save you a lot of money, not just in terms of work but the insurance claim we mentioned earlier.

So here it is, our handy guide to home maintenance!

1. Check and clear all gutters – don’t forget any on freestanding buildings like the garage. Unless you have the proper ladders and safety equipment, this can be a dangerous job so you may want to hire a professional cleaner. Clean out leaves and debris. In the autumn and winter, as well as summer showers, gutters are in constant use. Overflowing gutters leak down walls, causing problems with damp inside and out, from redecorating to damp proofing as water penetrates the fabric of the building. A costly affair that can be simply prevented with the right preparation.

2. Examine your roof. You can use binoculars to help. Check for any loose, cracked or slipped tiles. You don’t want rain to get in – there’s no sinking feeling like the one you get on hearing the steady drip, drip, drip of water coming from your ceiling. In addition to nuisance, water can cause long-term, expensive problems like damp or dry rot. Not to mention having to redecorate! There could also be problems in high winds – a loose slate or tile could be blown loose and hit you or a passer-by. Not a risk you’d want to take.

3. Keep an eye on any exterior finishes and paintwork. These are continually exposed to the elements – summer heat can make paint or underlying surfaces expand and crack or blister. When winter comes, these damaged areas contract with the cold and more cracks can start to form, letting in moisture. Once water gets in, frost and ice expand it causing even more damage. It’s well worth tackling any surface damage early with a lick of paint or sealer.

4. If you’re lucky enough to have an old-fashioned fire, you need to make sure that the chimney is swept annually. Not only is soot build-up unsightly, it is a fire risk and a chimney blaze is something to avoid. In the warmer summer months you may not use your fire, but any soot will absorb damp from the air and this may start to affect the brickwork.

5. Check the damp proof course. Make sure it is still intact, and that there is nothing bridging it. Your DPC can’t work properly if it is covered by garden rubbish or other yard debris. If the damp proofing fails, it will no longer protect your property from damp and dry rot.

6. Standard trees and specimen shrubs can add to the look of a property, but some will grow very large indeed – consider that a tree has a root spread at least as far as the branches of its crown. If a tree is overhanging your house, its roots are under your foundations. Removing them – or getting them out of the drainage system – is a very expensive business. The most notorious trees for this are Willows, which love water, and Poplars. In fact if a new house is built within 150 feet of a Poplar tree, the foundations have to be reinforced.

7. Falling trees or branches can cause problems too. If damage is caused to your property from a tree on someone else’s land, you will be covered in the event of an insurance claim. But if you own the land on which the tree grows, its maintenance is your responsibility. If its branches are structurally unsound or the trunk rotten, then it is up to you to keep it in a safe condition or have it removed. While you can keep smaller plants in good order yourself, you may need to have a tree surgeon conduct an annual inspection to ensure that large trees are safe, and not likely to be blown over except in extreme conditions.

8. Rambling ivy or Virginia Creeper may add a touch of the rustic to your home, but climbing plants can cause a lot of damage to the brickwork. Removing them is hard too, with roots penetrating mortar and plasterwork. Any cracks caused will be exploited by bad weather. Ivy is the most damaging, and you need to be especially careful not to let it get in to damage the roof.

9. Have your gas checked by a properly qualified professional. Make sure you choose a Corgi-registered engineer, who will check your boiler, radiators and gas appliances as well as carbon monoxide levels. Springtime is best for this, after the high-use winter period is over.

10. Finally, check the loft. Birds like to creep into roof spaces to nest, with messy consequences, as do wasps. Squirrels can also nest in roofs, and they have one nasty habit that could have a dangerous or even fatal outcome – they like to chew the insulation found on wires. Block up any access to your roof an ensure they don’t take up residence.

Follow our ten tips, and your home should be equal to almost anything the weather can throw at it. You will also be protected in the event of a claim on your home and contents insurance, knowing that your maintenance is up to standard.

Express provide great deals on home insurance quotes www.express-life-insurance.co.uk

by monty loree - Term Life Insurance -
Term Life Insurance

Tuesday, July 11, 2006

Times you think about Life Insurance?

Summer Holidays are a great time to think about things. On our recent trip I took some time to think about some conversations and events that I normally don't take the time to reflect upon.

I was talking to some people over the holidays about life insurance and how they felt, thought about life insurance.

There are two basic times when people think about their life insurance policies:
1) They're reviewing their bank accounts and payments
2) A frightening event happens in their lives

You're reminded every month of your life insurance policy when it comes time to look at your bank statement and do your bank reconcilation. At this point your life insurance policy is nothing more than another banking entry.

Most people are familiar with this experience. Your spouse is gone for a few hours longer than they said they would be. They've gone to the mall with the kids or with friends and haven't returned yet. After a few hours, your spouse hasn't called yet. You start to worry.

After a little while longer, you start to worry about the worst case scenarios. Maybe my spouse has been in a car accident, maybe they're hurt and in the hospital. Maybe they've been kidnapped or maybe they've hurt themselves and can't contact you for some reason. These are scary but real worries.

If a loved one doesn't call for a while, it's very possible start worrying about the worst case scenarios and this happens to most people.

After thinking about the worst case scenarios, the next thing your mind thinks about is "am I covered?".

When trying to imagine the first things you would do if something happened to your loved one, a person starts to think of their own well being. What happens to me if somethings happens to my spouse. It's a scary feeling, however it's a very natural feeling.

This "worst case scenario" situation is normally when people think seriously about and start to rely on their life insurance policy for comfort and peace of mind.

Fortunately, for all of us who worry, our spouses usually just lost track of time and come back home and then all is well again. However, in that small amount of time or worry, it's really nice to know that we're covered.

During my holidays, I had time to chit chat with some people and these are the impressions I got from those people. The times they thought about their life insurance were those few times that they were worried their spouses might be in danger.

I'm glad that most of the time people's worries are nothing more than a reflection of how much they value their spouses, and the value of the comfort of their life insurance policies!

Life Insurance - Adds Comfort

Recently we went on a trip to beautiful Calgary, Alberta where we visited family, Banff and the Rocky Mountains.

After being on holidays for a few days it's sometimes important to think about work to relieve a little "holiday stress".

I was talking with a lady who asked me what I did for a living. I said one of the things I do is maintain a life insurance website where people can get life insurance quotes and life insurance information.

This is not a very common occupation and the lady didn't know what to say. Quite frankly, who talks about life insurance on a day to day basis. Usually you buy it, and then forget about it.

The lady finished up the short life insurance conversation by saying that her husband has $1,000,000 in life insurance coverage. She mentioned with a sigh of relief that this policy gave her quite a bit of comfort knowing that she would be taken care of in case of his death.

The look on her face when she talked about that comfort was something I took note of. She was at peace when she realized that her and her husband had taken the necessary precautions in case of death. If her husband died she DIDN'T HAVE TO WORRY AT ALL! She would have to worry at all about money for the rest of her life.

Life insurance is something that you don't think alot about, but on those ocassions when you do think about it, it's nice to know you're covered.

Please do take a moment to sign up for a life insurance quote and we' ll have a qualified agent contact you with more information.


Monday, June 05, 2006

Health problems and life insurance...

I was talking to a friend of mine that other day.. We were talking about finances , debts and all the usual guy financial talk.

My friend , aged 42, mentioned that he had gone to renew his 10 year term life insurance policy that he got when he was 32 years old. At the time , when he was 32 years old, he was in great health, played sports, wasn't married and had no children. He was also 50 pounds lighter than he is today.

When he met with his life insurance agent, the agent said that he had 3 new problems that were going to increase his insurance rates.
1) Being overweight
2) High blood pressure
3) Being a smoker

The good thing was that all of these problems merely made him higher risk, but still insurable. They did however increase his rates by a considerable amount.

At this stage of his life he needs life insurance more than ever because he's got a big mortgage, a wife and three children. His need has increased for life insurance from over ten years ago when he was renting an apartment and looking after himself financially.

I bring this example up because health issues and smoking are a pretty common occurance.. Especially when you got from your 30's to your 40's. You put on a few extra pounds, your job status changes, you take on more and more stress and your health can take a bit of a beating.

It's important to know about these things BEFORE you renew your old life insurance policy, or apply for a new one.

Example... the life insurance company you used 10 years ago gave you great premiums because you were in top health and didn't smoke. It may be the case that your original life insurance company isn't very competitive rate wise, with your current health situation.

The point is... it's a good idea to shop insurance even though the life insurance agent and company you dealt with for the last 10-20 years has treated you well. They may not be the most competitive rate wise.

If you're renewing your life insurance policy or getting a new one, please take a moment to sign up on our site.
We'll have a friendly agent contact you and help you shop for the best life insurance rates possible.

Smokers life insurance - for smokers

One of the hard parts about smoking is that the life insurance companies think that smokers are a higher risk than non-smokers.

If you've taken up smoking since you got your last life insurance policy, or you're just getting a new life insurance policy for the first time, being s smoker is something that the life insurance companies are going to assess you for.

Companies will rate the amount of cigarettes you smoke and base your life insurance costs on that. Or if you smoke too many cigarettes, they may consider you too high of a risk, and not give you life insurance at all.

It's all about risk for the life insurance company. Assessing risk based on how many cigarettes, cigars, or pipes you smoke in a day is how they'll rate your risk factor.

For more information about your smokers life insurance situation, please sign up today for a quote and we'll have a knowledgable representative contact you with more information.

It's good to know that even if you smoke a few cigarettes per day, you may still be able to get life insurance coverage.

Thursday, May 25, 2006

Lenders Sell Creditor Mortgage Insurance Not Term Life Insurance

Creditor mortgage insurance is not the same as Term life insurance. We recommend that you cover your mortgage with a term life insurance policy and not with creditor mortgage insurance.

The main reason is that mortgage insurance from the lender holds the same rate that you pay, even though the mortgage balance decreases. This is something that you should check into. Sign up for a quote here and our agents will be able to help you out with that.

Another thing to keep in mind is that along with your mortgage, you should have enough term life insurance to cover your other debts. A term life insurance policy will be much less expensive than the creditors will charge you insurance. These include credit cards, lines of credit, auto loans, home loans etc.

If a creditor asks you to purchase insurance for one of these types of loans , as him what the rate is per hundred or thousands of dollars.

A $100,000 term life insurance policy that costs $20 per month = 20� per thousand dollars insured.

The creditor insurance that I've been offered is usually much higher than that. This is especially true when you get those credit card solicitors calling to ask if you'll buy credit card insurance from them. I always refuse that type of insurance.

If you die suddenly, the mortgage still needs to be paid, as well as the other debts that you've accumulated. The creditors will go after your estate to collect the balance of what they're owed. If you don't have enough money or insurance to cover you mortgage, your family could lose the house that you've worked so hard for.

Once again, take a moment to sign up for a quote on this site and one of our agents will be pleased to help you calculate how much term life insurance you'll need to properly take care of your outstanding debts, and the other living expenses that would be needed upon your death.

What the Banks don�t want you to know about Creditor Mortgage Life Insurance? Did you know the following facts about mortgage and creditor insurance offered through banks and trust companies?

1. They are "age banded" and may increase your rates as you enter the higher age bands. The premium that the bank quotes you may be valid for only one year.

2. These insurance programs do not offer contractually guaranteed rates. The insurer may increase their rates at any time depending on the experience of the program; the insurance carriers expense factor, the market interest rates, etc.

Mortgage Renewal Insurance