Jan 30

Cheap Life Insurance

Life insurance is an important long term financial strategy and an investment into your family’s security and peace of mind. But finding coverage you can actually afford can be challenging, which is why many people put off purchasing life insurance until later in life. The good news is, it’s easy to find reliable coverage that won’t break the budget and we can help. If you’re ready to find cheap life insurance you can trust, here’s some information that may help.

Why Cheap Life Insurance?

Believe it or not, there are several reasons why it might make sense to choose cheap life insurance over more expensive alternatives. For many people, supplementing coverage with just a little more protection can help customize the perfect financial strategy. In some cases, it’s only needed for medical expenses, or a mortgage. In other cases, an inexpensive policy can be the perfect way to ensure outstanding debts or other expenses are paid. The point is, as long as the coverage you consider is reliable, cheap life insurance can be a practical, smart solution.

Reasonably Priced Options Are Available

Despite what you may have heard, there are several different types of cheap life insurance available, and you’re not limited to only term policies. Yes, term insurance is typically the least inexpensive because it’s the simplest form of protection for a predetermined amount of time. However, there is no cash value that accumulates and you cannot borrow against a policy. Universal life insurance can be a great option for someone looking for flexible coverage that’s reasonably priced and reliable.

Helping You Locate The Best Options

The key to finding dependable, cheap life insurance is to compare a few different options. We can help you locate the best policies that will fit your needs and your budget. Having all the information you need in front of you is how you will make a good decision with a policy that’s affordable, reliable and provides the coverage your family needs when they need it most.

Cheap life insurance doesn’t have to be unreliable. When you’re ready to explore your options, let us help you get the information you need to make a smart, practical decision easily and conveniently.

Aug 17

No Exam Life Insurance

Life insurance can help provide financial protection for your family members if you should pass away. The insurance can pay for funeral expenses, and it can pay any debts that you owe. However, many people believe that you must be in excellent health in order to be approved for a life insurance policy. Fortunately, no exam life insurance policies are available. This type of policy allows you to purchase life insurance without being required to obtain a medical examination.

Simplified Issue Life Insurance
Simplified issue life insurance is a type of policy in which you are required to answer a few medical questions about yourself; however, no exam is required. The coverage amount is usually between $5,000 and $300,000, and it is usually a term life insurance policy. Some of the people who might apply for this type of policy include overweight individuals, people with hepatitis or individuals with diabetes. They might ask you questions about tobacco and drug use, and they might ask if you have a history of cancer or other diseases. However, you will not be asked extensive medical questions. As long as you do not have a major terminal illness in which your life span is less than five years, you will normally be approved for a policy.

Guaranteed Issued Life Insurance
This type of policy does not require a medical exam, and you will not be asked any health related questions. Unless you are living in a nursing facility or a hospital, you will not be denied a policy. The policy amount will normally be less than $25,000. The coverage is permanent, and your rates will not increase. You have the option of purchasing term or whole guaranteed issued life insurance. Term insurance will expire when the term is complete. No cash value is accumulated during the life of the policy. Whole life insurance is more expensive than term life insurance; however, it never expires. With whole guaranteed issued life insurance, your premiums will not increase.

If you have health problems, you will be able to purchase a no exam life insurance policy. Do not assume you will not qualify for a policy because you smoke, have diabetes or have heart issues. You can find a life insurance policy, and your loved ones will not be left in debt after your passing.

Aug 15

Obesity’s Death Toll May Be Much Higher Than Thought

From MSN.com

By Dennis Thompson HealthDay Reporter

THURSDAY, Aug. 15 (HealthDay News) — Researchers have vastly underestimated the number of deaths caused by obesity in the United States, a new report reveals.

Obesity accounts for 18 percent of deaths among black and white Americans between the ages of 40 and 85, according to a study published online Aug. 15 in the American Journal of Public Health. Previous estimates had placed obesity-related deaths at only 5 percent of all U.S. mortalities.

“This was more than a tripling of the previous estimate,” said study author Ryan Masters, who conducted the research as a Robert Wood Johnson Foundation scholar at Columbia University’s Mailman School of Public Health, in New York City. “Obesity has dramatically worse health consequences than some recent reports have led us to believe.”

Earlier estimates erred by overlooking generational differences in the way the obesity epidemic has affected Americans, Masters said.

Because younger generations have been exposed longer to risk factors for obesity, they are at even greater risk of becoming overweight or obese and suffering all the health problems that accompany the extra pounds, the researchers warned.

“A 5-year-old growing up today is living in an environment where obesity is much more the norm than was the case for a 5-year-old a generation or two ago. Drink sizes are bigger, clothes are bigger and greater numbers of a child’s peers are obese,” study co-author Bruce Link, a professor of epidemiology and sociomedical sciences at Columbia, said in a statement. “And once someone is obese, it is very difficult to undo. So, it stands to reason that we won’t see the worst of the epidemic until the current generation of children grows old.”

The researchers investigated this possibility by breaking the population down into “cohorts,” or generations, and studying the effect of obesity on deaths for those age groups.

Using these generational groups, they analyzed 19 years’ worth of annual U.S. National Health Interview Surveys from 1986 through 2004 and compared those findings to individual mortality records from the National Death Index. They focused on ages 40 to 85 to exclude deaths caused by accidents, homicides and congenital conditions, the leading causes of mortality for younger people.

“Successive cohorts are living in this new environment and are at greater risk of obesity at earlier times in their lives,” Masters said. “Each specific cohort looks like a wave that’s grown bigger than the cohort that has come before it.”

For example, Masters and his colleagues noted obesity’s increasing effect on mortality in white men who died between the ages of 65 and 70 in the years 1986 to 2006.

Obesity accounted for about 3.5 percent of deaths for those born between 1915 and 1919, but it accounted for about 5 percent of deaths for those born 10 years later. Obesity killed off around 7 percent of those born another 10 years later.

Women appear to be more vulnerable than men to dying from obesity. Black women had the overall highest risk of dying from obesity or being overweight at 27 percent, followed by white women at 21 percent.

Dr. Georges Benjamin, executive director of the American Public Health Association, said the new research provides a helpful framework for understanding and tackling the obesity epidemic.

“Up to now, it’s been a unilateral discussion about how obese you were or how much body fat you had,” Benjamin said. “The solutions are not only more exercise and eating better, but a whole range of environmental factors we’re going to have to address. The generation we have now is expected to be obese longer. That’s a core reason we need to change things now if we’re going to make this a healthier generation.”

To that end, the study does validate current efforts by public health officials to combat the obesity epidemic by focusing on youngsters, Masters said.

“The fact they’ve been trying to stave off obesity earlier and earlier in life, I think, is the right thing,” Masters said. “It’s a reaffirmation of the public health campaigns that are putting obesity at the forefront.”

Aug 04

Is a Final Expense Policy Right for Me?

A final expense policy is designed to help individuals cover expenses related to burial, as well as to provide for other expenses that are left behind which are not covered by other types of life insurance. This type of coverage works well for individuals who do not wish to utilize their regular life insurance policy in order to cover some of their additional final expenses. Moreover, a final expense policy, also known as burial insurance, is usually designed to provide payment much faster than many life insurance policies because it is best suited for paying for burial expenses. Therefore, it is essential that payouts occur rapidly after they are requested.

There is a great deal of debate about how many individuals in the population actually need a final expense policy. It is a rather subjective debate, as certain individuals feel that everyone should have this type of policy in order to be responsible citizens who do not leave the cost of burial up to loved ones. Other people, on the other hand feel that not everyone needs to have a final expense policy and that it only applies to certain individuals. The question that a person must then ask themselves is whether or not they have enough money to cover all of their final expenses without putting an undue burden on loved ones. If the answer is no, then getting a final expense policy is a good idea. Despite the conventional wisdom that not everyone needs a final expense policy, it can be safely said that almost every person should at least consider purchasing one.

These policies are designed to provide an extra level of peace of mind for those who are concerned about having enough money to pay for their final expenses. Policies which pay a flat amount without stipulating which expenses are covered provide the greatest level of protection. As a result, it can prove to be a worthwhile expense to purchase such a policy. Depending on the policy that is selected, individuals may be able to get one that is very reasonably priced, requiring only a small payment each month. In addition, many of these policies can be utilized not only for final expenses, but also for any other type of expense that is present. Therefore, purchasing a final expense policy is something that should be considered by most individuals.