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Life Insurance : Insurance

How to Decrease a Term-Life Insurance Policy

Term life insurance is a life insurance policy that is established and exists only for the time frame established in the policy. Term policies are usually in effect for durations of five, 10, 15, 20 or 30 years. This type of insurance is used to offset mortgage costs or provide coverage for a family

Taxation of Whole Life Insurance

Whole life insurance is insurance protection with a cash value on the interior of the policy. The premium normally remains level, although some policies offer a step-up premium that starts lower and later increases to the level premium for the rest of the policy years. Whole life insurance receives

Tax Consequences of Death Benefits

When you die, your beneficiaries may be taxed on their inheritance. That's why it's important to sit down with those to whom you are leaving your money and explain potential tax consequences of death benefits they might receive. Depending on the source of the inheritance, your beneficiaries may or m

An Executive Administrator's Salary

Executive administrators are those at the top of a company or organization, overseeing all aspects of the business and ensuring goals and objectives are met. The salary an executive administrator earns will depend on the type and size of the company he manages, as well as his level of experience and

Creditor Attachment of Life Insurance Death Benefits

Life insurance death benefits protect your family from your financial obligations after you die. While during your life, the people you owe money to could come after you if you fail to pay your bills, creditors may or may not be able to take your life insurance proceeds after you die. This depends o

How to Determine the Cash Value of Life Insurance

Life insurance cash value refers the amount of money accumulated in an insurance policy based on premium payments and earnings. The cash value is payable to the insurance policy owner if the policy is surrendered, meaning terminated by the owner. When considering terminating a policy, the policy own

Benefits That You Can Have Life Insurance Policy

There is no telling what could happen in the future. Many of us do not often think about what can happen and may end up without a safety net. A new life insurance policy from ...

How to Calculate a Life Insurance Premium

Insurance companies pay out when the insured dies, so they base their premiums on the statistical probability of that person's death. The companies consider certain factors that make a difference in the life expectancy of the insured: For example, statistically, men die at a younger age than women,

How to insure your life the right way

Why insuring your life? The major reason for insuring one's life is taking responsibility. People tend to have more responsibility over their family, their debts, their property and other things as the life goes on. ...

Tax Saving Investment Plans

The primary purpose of any insurance plan has to be protection and security. You take insurance for a very specific purpose, for financial security of family members. There are investment linked insurance plans that give ...

The Beneficiary's Guide to Life Insurance

A life insurance policy is a legal contract between the owner and the insurance carrier, wherein the carrier agrees to pay a specified sum of money to people chosen by the owner if the insured person dies while the policy is in force. The policy owner may change the recipients at any time. If you ar

The Salary for a Physical Fitness Trainer

A physical fitness trainer provides fitness assessment and instruction to individuals and groups. She may provide personalized training and exercise plans, advise on nutrition and stress management, measure heart rate and body fat ratio, monitor a client's development and offer motivation and feedba

Is Insurance Payout Taxable?

Whenever there are large sums of money involved, the federal government is interested. Insurance payouts, depending on the type of insurance involved, can be hundreds of thousands, even millions of dollars. When you have that much money coming to you, it is wise to understand how taxes may affect th

How to Prepare for Life Insurance Underwriting

When you apply for a life insurance policy to protect your family and their assets after your death, your health and lifestyle will be scrutinized by life insurance underwriters in order for them to determine ...

What You Wanted to Know About Life Insurance

Life insurance is easier to get than ever, with so many different companies offering life cover, the ability to search easily online between companies and policies, the sites that do the comparisons for you and ...

Term Insurance vs Permanent Life Insurance

Insurance is an important part of modern life. It can mean the difference between financial disaster and picking oneself up after a would-be catastrophe and moving on. In the old days, a flood, fire or ...

Questions for Insurance Companies

The key to understanding insurance is knowing the right questions to ask.There is question image by Oleksiy Ilyashenko from Fotolia.comInsurance can be a confusing subject. Trained insurance agents receive continuing education in order to stay up to date with all of the changes that...