Sadly, even today, people tend to be rather callous when the question of car insurance comes up. Many give the excuse that since they are good drivers they will not need insurance at all. However, road traffic is not what it used to be and you can never predict what is going to happen on the road even if you follow all the driving rules.
Do You Need A Life Insurance Policy?
One question that’s asked by nearly everyone eventually is “should I get a life insurance policy?”.
Using Life Insurance To Protect Your Key Employees
Most businesses rely on the work, experience and skills of a few valued employees who are key to the efficient running and profitability of the company. Whether a chairman, director or talented technician, the loss of such a crucial staff member could and often does result in lost revenue and even closure in some cases.
To Smoke or not to Smoke? – Tobacco & Nicotine Testing Kits
Due to its obvious health hazards many companies have begun to test their employees for nicotine via nicotine tobacco tests. Nicotine tests help employers and insurance companies alike evaluate a persons health more accurately, often times resulting in increased costs to the smoker.
What Is Standalone Critical Illness Insurance?
While the majority of people who take out a critical illness policy choose a policy that also includes life insurance, there is also an option many dont consider – a standalone critical insurance policy. So whats the difference you might ask?
Ways To Purchase Your Life Insurance
When it comes to buying life insurance it is important that you purchase a policy that is suited to your needs and that of your family.
What Do You Know About Exclusions?
Looking for Insurance? Lots of people do every day, and they all want the best deal on what ever kind of insurance they need a the moment, price and fast, in that order. And because of the hurried pace of society today not many people read the fine print on insurance contracts, although they should. Knowledge when it comes to insurance is very useful. The more you know, and the more you understand about insurance, the more likely you will be to choose insurance that not on…
Top 5 Tips To Reduce Your Life Insurance Premium
Life insurance is essential without a doubt but it can be very expensive and as such can be tempting to avoid taking out. However should the worse happen then you could leave your loved ones in a whole lot of trouble financially.
Understanding Critical Illness Cover
One of the many forms of insurance that you can take out to give you financial peace of mind in the event that something should happen to you is critical life insurance. This type of cover will pay out a lump sum should you be diagnosed with one of the illnesses outlined within the policy.
Understanding The Different Types Of Life Insurance
There are many companies providing life insurance services; you can get most of the information you need from insurance brokers, financial advisers who work for insurance companies, employees of insurance companies, and other sources. Much of the information you receive, however, will be in general terms or will focus more on sales talk aimed at getting you to purchase life insurance from the person you are talking to.
Term Versus Permanent Life Insurance- Whats Right For You?
Almost everyone needs life insurance. Whether its to pay off debts, ensure the family income and standard of living, make sure college can be paid for, leave a bequest to charity, provide liquidity for a business or real estate, or hedge against the return of estate taxes. Most of our clients need at least some life insurance. At the same time, two people who are outwardly similar may have very different needs, cash flows, risk tolerances, and so forth. For many people, the …
The Benefits Of Term Life Insurance
When you want a complete and pure life insurance cover for you or your family members then the term life insurance is your best bet. Term life insurance is considered to be the original form of life insurance and is regarded as pure insurance protection because it builds no cash value.