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animeshp398

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Is Whole Solvency Ratio A Good Product?

Often times it seems the world out there is anti-whole Solvency Ratio, and radio has done a great job at promoting term insurance as the end all and best insurance out there. However, most of these so called "gurus" are being paid to promote term insurance. If term insurance is so good, do we really need whole Solvency Ratio? Let's take a look at whole Solvency Ratio and some of the advantages and see if we can't find something good in what paid spokesman are calling "crap." Whole Solvency Ratio Exists Whole Solvency Ratio exists for a reason. I mean really, if it was completely useless would it still be available? The obvious answer is no. However, there is more to it than just existing. By definition whole Solvency Ratio is meant to last your entire life. The problems is the menta...

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Term Life Insurance Calculator - How Much Life Insurance Do You Need?

If you're in the market for life insurance, you may want to consider using a term life insurance calculator to help you determine the right amount of insurance to meet your needs. Among the most important questions to ask yourself before choosing your insurance policy are the following: What type of life insurance do I need? How much can I afford to pay for insurance? How much life insurance protection do I need? So, " How much insurance do you need? " This is based on the idea that if your beneficiary invests the death benefit of the life insurance policy and gets a reasonable rate of return on the investment, that person would receive the income from the investment to replace your income. The thing is, even if you have 10 times your income in insurance protection, your ben...

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What is Group Insurance and Can I Find It Online?

Group insurance is a plan of health, life, auto, or homeowners insurance that covers a group of people rather than an individual. Group insurance policies are generally more affordable than individual insurance policies because policyholders don't normally pay the full premium. They're usually only responsible for co-payment. The easiest way to get group insurance is through your employer. Most employers offer their employees a group health insurance package, and some offer life, auto, and homeowners insurance coverage, too. In the event you must pay some of the group insurance premium, an employer will normally deduct the amount from payroll. Most employer-sponsored group insurance benefits are available to a policyholder's family members, too. You can also obtain group insurance t...

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Insurance Policy

Insurance is the concept of paying a certain amount every month in anticipation of a future difficulty like illness, personal injury, accident or death. Insurance has become an absolute necessity these days. With so many insurance companies providing so many different kinds of Insurance Policies and plans, policies are becoming more affordable for all kinds of people. Some kinds of insurance are mandatory, while others are optional. Insurance can be meant for anything: life insurance, automobile insurance, health insurance, home insurance, property insurance, disability insurance, travel insurance, pet insurance, cycle insurance, recreational vehicle insurance, sports insurance and so on. There can be special policies like flood insurance, ski insurance, student's content insurance, l...

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Early Childhood Education Planning Tips

While no child is alike and each family is unique, a common tread run deep in the heart of every home - the desire of parent is to give their children the BEST education possible and see them grow into their full potential. However, life is full of unplanned surprise and the path to achieving this desire may be a convoluted one. That's where a sound investment strategy comes in. With flexible planning and a suite of investment options that are available, you may help put your child on the journey to a valuable college degree. Here are a few TIPS that may help kick-start you planning: 1. CREATE A FINANCIAL PLAN WITH AN END IN MIND. First, make an estimate of the costs that will go into your child's education. Your cost should take into account inflation over the investment or saving ...

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Term Life Insurance Policy - To Cope Up With Unanticipated Life Issues

It is quite risky to live a life without investing on insurances. You never know what tomorrow has in store for you. Thankfully for the life insurance policies, we can still live our lives with a certain degree of comfort. The comfort comes on the fact that our families will not have to face financial hardships if something unexpected were to happen to us. Life and death are two unknown entities for all of us. Therefore, it would be wise for us to secure our future with adequate life insurance policies. Many reputed companies have built a strong foothold in the insurance industry, and they are always looking to outdo their competition by introducing new and attractive offers. The policies are available with different structures, premium rates, and services. It can be quite a never-e...

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A ULIP investment plan for secured financial future

ULIPs are investment-cum-insurance plans where a piece of your premium is utilized for giving protection cover and the rest of the money gets invested in market-linked funds. These are equity, debt and balanced funds. The percentage of investment depends completely on your income source and risk appetite. Since returns in ULIP are directly connected to market execution, one has to be careful at the risk involved in ULIPs before investing their capital. In recent years, most insurance companies are promoting the product through digital platforms, thereby harnessing the power of the internet. Online ULIPs are considered both cost-effective and easy to purchase. In the market, there is a variety of Ulip Nav products. At times it becomes difficult for investors to choose the correct ULI...

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6 mistakes you should avoid whilst taking a term policy.

Term plans are an affordable yet highly effective way to secure your family’s financial wellbeing from life’s uncertainties. Opting for one is indeed a wise decision, but sometimes, people get caught up with a plan that might not suit their needs. In such cases, policyholders could incur financial losses and inconveniences that may cause them to lose faith in term plans. All this could be the result of one or two simple mistakes during the process of applying for the policy. This article will discuss some of the most common mistakes policyholders make whilst taking out a life insurance plan and hopefully help you make an informed decision Mistake number one is putting-off the decision to buy a plan: In other words, procrastinating when it comes to buying a Term Insurance. Many o...

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All You Need To Know About Child Insurance

Parents would only settle for the best towards their young kids! But, the price tag for good things definitely would not come cheap. The increasing cost of living and the inadequate income most of us have, coping up would be hard. The lack of sufficient fund and the ever so real threat of inflation would be the main issues that hinder us from acquiring an insurance plan to your kids. High praises to parents who set aside money for the future of their children through child plan of insurance. If you want to invest for your child's future, investing early is not bad idea. All of us are familiar with the traditional insurance plans. The insurance where money is paid into various ways for your child's life is called money back plans. We all want our money to be well protected at the same ...

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How Can Whole Life Insurance Benefit the Buyer?

Whole life insurance policies have been in the market for almost one hundred years. The life insurance agents like to recommend their customers this policy. It is because this has benefits to the buyers, and is very popular in the market. Here are the few benefits that made this policy so saleable. It provides protection to the policy holder As long as the policy holder is alive and he pays his premiums on time the policy provides the buyer the stated coverage. The amount covered is decided by the buyer, and the premium is calculated by the age of the buyer. Guaranteed death benefit Whole life insurance provides the buyer with a guaranteed death benefit; this is effective immediately after the life insurance company receives the first premium paid by the buyer. The life insuranc...

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