Cheap Life Cover � Options to Choose From While Securing Your Family Financially
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Estephen Dolano
Apr 21, 2010, 12:25:03 AM4/21/10
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Please consider this free-reprint article written by:
Estephen Dolano
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Article Title: Cheap Life Cover – Options to Choose From While Securing Your Family Financially
Author: Estephen Dolano
Word Count: 534
Article URL: http://www.isnare.com/?aid=506071&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=506071
Easy Publish Tool: http://www.isnare.com/html.php?aid=506071
*********************** ARTICLE START ***********************
The term life insurance policy costs less when compared to other insurance policies and are insignificant. The major distinction between term and whole life policies is that former is cheaper to buy and is meant for specific term only. Since term policies don't accumulate any cash values apart from death benefit these are inexpensive and are bought only to insure your life, the beneficiaries get only the death benefit and hold value if the insured person dies within the specific period only. The beneficiaries can’t claim any amount against the policy as soon as the policy term ends. The conditions for these policies are simple and the premium is set in relation to the sum insured.
These policies are pure life insurance product and premium paid on them completely invested in insurance account instead of investing in the market as in the case of whole life insurance. No one knows regarding his/her time of death however still purchases term policies because of the fact that death can occur at any given time. Purchaser of term policy is made to know about the conditions by way of quotes regarding benefits and losses as soon as policies are purchased. Buyers should be aware of all the details and only then agree and sign on the policies. There are several aspects that are measured while deciding on the term insurance rates. These include, health, smoking, alcohol abuse, high risk jobs and sports activities, family health record, age, gender, and so on.
At present, the policies are coupled with several other additional aspects that make insurance a saving alternative as well. Since there are now two kinds of insurance policies, these are term life policies that cover only life and death benefits and whole life policies that double up as life cover in addition to saving as well as investment alternatives. The major disparity in both the policies is their costs. A term life policy costs less when compared to whole life since they have cash value and the beneficiaries are entitled to both death benefits and the cash value accumulated over the years.
There are myriad usages and advantages of life insurance policies. Financial security is one of them. Life insurance policies are usually purchased for life cover and completing financial responsibilities and is the key factor that each person is motivated to get them insured immediately. Some of these responsibilities include caring dependents, debts, funeral expenses, and home mortgages and so on.
It is an excellent means to secure financially your family and even as you are no more with them, you in any case will have provided for them. Therefore doesn't matter what is the kind of policy you must have one, regardless of what your income is. You must get a policy with a face value of 20 times your annual expenditures as a minimum in order that your family can be maintained in an excellent way. If you would not like to take risks in that case there are as well riders for assured returns in which a predetermined cash benefit is assured regardless of the market conditions and the type of your savings.
About The Author: Please visit: http://www.einsured.co.uk.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=506071
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Please consider this free-reprint article written by:
Estephen Dolano
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=506071
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=506071
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Cheap Life Cover – Options to Choose From While Securing Your Family Financially
Author: Estephen Dolano
Word Count: 534
Article URL: http://www.isnare.com/?aid=506071&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=506071
Easy Publish Tool: http://www.isnare.com/html.php?aid=506071
*********************** ARTICLE START ***********************
The term life insurance policy costs less when compared to other insurance policies and are insignificant. The major distinction between term and whole life policies is that former is cheaper to buy and is meant for specific term only. Since term policies don't accumulate any cash values apart from death benefit these are inexpensive and are bought only to insure your life, the beneficiaries get only the death benefit and hold value if the insured person dies within the specific period only. The beneficiaries can’t claim any amount against the policy as soon as the policy term ends. The conditions for these policies are simple and the premium is set in relation to the sum insured.
These policies are pure life insurance product and premium paid on them completely invested in insurance account instead of investing in the market as in the case of whole life insurance. No one knows regarding his/her time of death however still purchases term policies because of the fact that death can occur at any given time. Purchaser of term policy is made to know about the conditions by way of quotes regarding benefits and losses as soon as policies are purchased. Buyers should be aware of all the details and only then agree and sign on the policies. There are several aspects that are measured while deciding on the term insurance rates. These include, health, smoking, alcohol abuse, high risk jobs and sports activities, family health record, age, gender, and so on.
At present, the policies are coupled with several other additional aspects that make insurance a saving alternative as well. Since there are now two kinds of insurance policies, these are term life policies that cover only life and death benefits and whole life policies that double up as life cover in addition to saving as well as investment alternatives. The major disparity in both the policies is their costs. A term life policy costs less when compared to whole life since they have cash value and the beneficiaries are entitled to both death benefits and the cash value accumulated over the years.
There are myriad usages and advantages of life insurance policies. Financial security is one of them. Life insurance policies are usually purchased for life cover and completing financial responsibilities and is the key factor that each person is motivated to get them insured immediately. Some of these responsibilities include caring dependents, debts, funeral expenses, and home mortgages and so on.
It is an excellent means to secure financially your family and even as you are no more with them, you in any case will have provided for them. Therefore doesn't matter what is the kind of policy you must have one, regardless of what your income is. You must get a policy with a face value of 20 times your annual expenditures as a minimum in order that your family can be maintained in an excellent way. If you would not like to take risks in that case there are as well riders for assured returns in which a predetermined cash benefit is assured regardless of the market conditions and the type of your savings.
About The Author: Please visit: http://www.einsured.co.uk.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=506071
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com --
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