Insurance Analysis
Highly qualified and experienced insurance industry consultants
Term Life – Advantages And Disadvantages Of Term Life Insurance
There are advantages to buying term life insurance as well as disadvantages. Let us look at both sides of the coin and see whether this policy is good for you or not. You make the decision.
- Advantages
When you buy a term policy you are buying death benefit. Think of this as a purchase of money. Money for your loved ones after you are dead. This money will pay the funeral expenses. It will make the mortgage payments when you are no longer there to take care of it yourself…
In addition your term life policy will guarantee that food is always on the table for your spouse and children, it will guarantee that they will continue to wear nice clothing.
Early menopause leads to increased risk of osteoporosis
According to a study published in BJOG: An International Journal of Obstetrics and Gynaecology, the occurrence of menopause before the age of 47 correlates with osteoporosis, increased incidence of fragility fractures and increased mortality at age 77.
The study concluded that women who entered menopause before 47 had an increased mortality risk of 60 percent, an increased fracture risk of 70 percent and a doubled risk of getting osteoporosis by the age of 77.
Business Life Insurance – About Business Types And Their Life Insurance Needs
Business Life Insurance. As a small business owner you had a dream to own and successfully operate your own business. After the ups and downs and a tough learning process you experience these dreams develop into an extremely profitable enterprise. Your desire is to see the success continue. How do you guarantee this? What actions do you need to take to assure this reality? What key aspects of your business do you need to take a serious look at? It all boils down to proper planning. Success Planning
It takes a unique type of person to make a business successful and to effectively assure its continuation. Planning for death, retirement or disability are things we just must take the time to do.
New link found between arthritis meds and cardiovascular disease
Tens of thousands of seniors use statins to help alleviate the symptoms of rheumatoid arthritis, but a new study indicated going off the common medication could lead to an increased risk of death.
The study, conducted by researchers at the University of British Columbia School of Population & Public Health and Arthritis Research Centre of Canada, shows that discontinuing statin treatment for rheumatoid arthritis was associated with a 60 percent increase in the risk of a cardiovascular disease-related death.
The average age of the 4,102 patients who were analyzed in the study was 67, and 60 percent were women.
20 Year Or 30 Year Term Life
You buy term life insurance online because it is very convenient to do it this way. You do this because you have the opportunity to compare rates from different carriers to find the lowest rates. You can also find out if the company you choose is a good one. You can get a company’s entire history from an objective third party, the A.M. Best Company.
You also buy your term life policy online because you can look at a life insurance needs calculator and come up with a realistic amount of insurance which you will use to protect your family in case you should die too soon.
You buy term insurance online because you are part of a highly successful business partnership and you want to be assured that your family gets true value when you die.
Study: Employers to keep benefits intact
According to a recently released study conducted by MetLife, despite the economic turmoil the country is recovering from, nine out of 10 employers dont intend to reduce benefits for employees.
The 10th Annual Study of Employee Benefits Trends revealed that younger employees are turning to their employers to assist them in establishing financial security. Forty-nine percent of all employees surveyed reported they depend on employers benefits programs to assist them with their financial protection needs. When considering the Generation X and Y workers, the number increased to 55 percent and 66 percent, respectively.
“The workplace has changed rather dramatically over the last decade since MetLife began doing its annual Study of Employee Benefits Trends,” said Anthony Nugent, executive vice president of MetLife. “
30 Year Term Life Insurance
If you like term life insurance and desire to keep it for a long time 30 year term life insurance affords your family financial security for a guaranteed period of 30 years or, in some cases, more than that period of time. I will explain this later on this page. Surprisingly…the premiums are considerably lower than those of most life insurance policies.
When an insured dies the full face amount of the policy, or an income derived from the face amount of this policy, is paid out to the beneficiaries. If you have ever seen the devastation which overcomes a family when the breadwinner dies you will appreciate the value of a life insurance policy like the 30 year term life insurance policy we are discussing.
Low omega-3 level may cause memory lapses
02/29/12
A study published in the February 28 issue of Neurology, the medical journal of the American Academy of Neurology, low levels of omega-3 fatty acids may cause memory problems.
The study was conducted by researchers from the University of California, Los Angeles Alzheimers Disease Research Center and Academic Geriatrics Research Center. Researchers examined MRI brain scans of 1,575 people of an average age of 67 who were free of dementia.
Omega-3 fatty acid, which is usually found in fish, may cause a persons brain to age faster and lose its memory and thinking abilities, according to the study.
“People with lower blood levels of omega-3 fatty acids had lower brain volumes that were equivalent to about two years of structural brain aging,” said study author Dr.