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INSURANCE YOU MAY NOT NEED ,

WHEN YOU ARE HEALTHY AND YOUNGER YOU ARE
TAKING A TERM LIFE INSURANCE WITH AN INVESTMENT
PLAN. THIS SHOULD BE THE BEST FOR ANYBODY AT ALL
TIME,

BUT NOT THAT... . Guaranteed issue.
WHAT IS Guaranteed issue life insurance? Is peddled on late-night television. You've probably seen
the ads. The major selling point is that if you apply, you can't be turned down. On the face of it, it
might seem like a no-brainer. But there is actually far less to this policy than meets the eye.

Who Should Buy Guaranteed Issue Life Insurance – A Surprising Answer
Guaranteed issue life insurance is a last-ditch option for many people. But is it a good bet? First, let’
s understand what guaranteed issue life insurance is.

This is a life insurance policy that the company “must” issue if you pay your premium. The
company usually just asks your age. They don’t ask any medical questions whatsoever.

As you know, most life insurance applications ask you lots of medical questions. And they usually
have a nurse come to your house for a medical exam. They really only want to insure you if you are
healthy. This way, you’ll pay premiums for a long time and possibly even cancel the policy before
you die.

Guaranteed issue life insurance caters to people who
NORMAL life insurance anywhere else. So if you can’t get life insurance
elsewhere, why not get a guaranteed issue life insurance policy? KNOWLEDGEFINANCIAL.COM

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There are plenty of reasons to stay away:

First, the premiums for a guaranteed issue life insurance
policy are high. They could even be four or five times as expensive as a comparable life
insurance policy.
“Well,” you’re saying to yourself, “if I can’t get coverage elsewhere, I’m willing to pay the higher
price.” Don’t be so sure it’s a good option. First, even if you think you aren’t insurable or you’ve been
declined by other companies, it never hurts to ask other companies for offers.

Understand that insurance companies are really run by
actuaries. (These are just accountants with a tad less personality). They determine what your
life expectancy is.
Different actuaries interpret risks differently.

One mainstream life insurance carrier might offer you a policy where other companies wouldn’t. It
never hurts to ask for a life insurance quote.
There is also one big caveat you have to understand if you are going to buy a guaranteed issue life
insurance policy. In most cases, if you die (other than as a result of an accident) within two years of
buying the policy, you only get your premiums refunded. You won’t get the full death benefit. This is
the insurance company’s way of protecting itself from very bad risks.

But people facing huge health risks are the ones most interested in buying this policy. For that
reason, if you are facing a major health crisis and are scrambling to buy life insurance, make sure
you check this provision out before you sign on the dotted line.

Another consideration is that these guaranteed issue life insurance policies are usually issued for
small amounts. Usually, the policies issued for death benefits are between $5,000 and $50,000.
If you need life insurance, don’t assume a traditional carrier will decline you.

Find out. It doesn’t cost anything to get a quote. It could be the best move you could make to protect
yourself and your life insurance beneficiary. Of course you should be completely honest when you
complete your application. But guaranteed issue life insurance should be your very last option and
even then, possibly avoided.

First, if you do purchase such a life insurance policy and die within two years, most policies call for
the company to simply return the premium you paid. That means if you are very ill and don't expect
to live a long time, this might be just a waste of energy. Also, the death benefits are very low and the
premiums are expensive.

If you absolutely need life insurance, can't get coverage elsewhere, and think you have a chance to
live beyond the exclusion period (check with your carrier), you may have no choice but to purchase
a guaranteed issue policy. But please check into other alternatives, like senior term life insurance,
first. KNOWLEDGEFINANCIAL.COM

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L ong-term care insurance?
Is a long-term care insurance policy really provides money to help cover the
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SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL SECURITY WORK?

What is the importance and benefits of life insurance in real life, and at
retirement age?

Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And
what does it matter?

What is Annuity Insurance Investment, Annuity & Pension Insurance? Are
Annuities Planning today for a secure tomorrow?

INSURANCE YOU MAY NOT NEED ,

WHEN YOU ARE HEALTHY AND YOUNGER YOU ARE
TAKING A TERM LIFE INSURANCE WITH AN INVESTMENT
PLAN. THIS SHOULD BE THE BEST FOR ANYBODY AT ALL
TIME,

BUT NOT THAT... Preneed insurance or funeral insurance:

What Is Pre-Need Insurance?
Is a way for people to make and pay for their own funeral arrangements, prior to
their demise. Is usually when they can not find normal life insurance nowhere.

Preneed life insurance was developed to help families plan and fund
funerals before the need arises. Planning ahead allows you to choose

A specialized form of life insurance or annuity used to fund the predetermined
expenses of a funeral ...

Assurant Preneed - Assurant
Assurant Preneed. Assurant Preneed offers pre-funded funeral insurance used
to fund costs incurred in connection with pre-arranged funerals. Serving the
Funeral Industry. KNOWLEDGEFINANCIAL.COM

INSURANCE YOU MAY NOT NEED IF, WHEN YOU ARE
HEALTHY AND YOUNGER YOU ARE TAKING A TERM LIFE
INSURANCE WITH AN INVESTMENT PLAN. THIS SHOULD
BE THE BEST FOR ANYBODY AT ALL TIME, BUT NOT
THAT...

CREDIT LIFE INSURANCE: // KNOWLEDGEFINANCIAL.COM
Credit insurance protects the borrower and the lender in case when the
borrower cannot make payments due to death, disability or unemployment. It is
sold in connection to a loan account or a credit card. Credit life is one of the
insurance products that lenders may offer in connection with a loan or a credit
card.

Types of Credit Insurance
Credit life insurance pays off the borrower's remaining loan balance if he dies
during the term of the coverage. Credit disability insurance covers a specified
number of monthly payments if the borrower becomes disabled during the term
of the coverage.

Credit involuntary unemployment insurance pays a specified number of
monthly payments if the borrower becomes involuntarily unemployed during
the term of the coverage. Credit property insurance covers the collateral for
the loan and pays off the loan if the property is damaged or lost during the term
of the coverage. KNOWLEDGEFINANCIAL.COM

Credit life insurance does not require a medical evaluation. A
borrower with a serious medical condition, which makes him unable to obtain a
term life coverage, also will benefit from a credit life policy when he gets a loan.

Credit Insurance Premiums
Credit insurance premiums depend on the amount of the loan. On credit cards
and open-ended loans, the premium is calculated based on the current
balance. Usually, premiums are included in the monthly payments. In some
cases, you may be able to pay it up front. A borrower has a right to cancel the
policy at any time. If he cancels within the first 10 days, he is entitled to the full
refund of the premium. If he cancels later, the refund will be prorated.

Legal Aspects Of Credit Life Insurance
Lenders cannot require credit insurance, including credit life insurance. It is
illegal to include insurance products with the loan without notifying or
discussing it with the consumer.

A creditor cannot require a borrower to obtain a credit life insurance policy
based on age or her health condition. Lenders cannot deny credit if borrowers
don't buy credit insurance. Credit property is the only insurance product that
creditors may require borrowers to have. . KNOWLEDGEFINANCIAL.COM

''INSURANCE YOU MAY NOT NEED ,

WHEN YOU ARE HEALTHY AND YOUNGER YOU ARE
TAKING A TERM LIFE INSURANCE WITH AN INVESTMENT
PLAN. THIS SHOULD BE THE BEST FOR ANYBODY AT ALL
TIME,

BUT NOT THAT... ''- WHOLE LIFE INSURANCE

'Life Insurance FREE QUOTE, FAST & EASY''''Find Out How Much You Can Save
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Too Much For Life Insurance.

On the other hand, whole life insurance has two purposes. The first is to protect
your family. (And if you face estate taxes, whole life insurance does protect you
against that problem while term life doesn’t.) The second purpose of whole life
insurance is to make insurance companies and agents lots of money.
That’s why term life insurance is bought while whole life insurance is sold.

Let me explain.
When you buy insurance (whole or term), the insurance company knows what
your odds are of surviving during the period of the insurance. For example, let’
s assume you are in excellent health, you are 35 years old and you want
$100,000 worth of insurance. / KNOWLEDGEFINANCIAL.COM

The insurance company sells you (and 5,000 other 35-year-old people) $100,000
worth of coverage. Let’s assume the insurance company knows that out of 5,000
35-year-olds, 20 are going to die this year. That’s what actuaries figure out. That
means that it’s probably going to cost the company $2,000,000 in clams this year.
Make sense?

Now, if the company is going to pay out $2,000,000 this year, they have to collect
at least that much in premiums. That means the company must collect $400 from
each of the 5,000 people who buy insurance just to cover their costs.

Now, this is called mortality cost, and those go up each year. Why? Because as
you get older, your mortality risk increases (the chances of you dying go up.)

So the mortality cost might be $400 this year, but since a 36-year-old has a
slightly higher risk of dying than a 35-year-old, the insurance company is going
to pay out more money for every 5,000 people they insure each subsequent
year.

If you are very advanced in age, the premiums get really expensive. That’s why
some folks consider guaranteed issue life insurance, but senior term life
insurance is usually a better bet.)

When you buy a whole life policy, the insurance company has the same exact
mortality and administrative costs, so they charge you the same costs. But it
doesn’t stop there. The insurance company actually needs to collect more. A lot
more.

Why? Because with whole life, the deal is, you not only pay the cost of
insurance, you pay extra. The insurance company takes that extra money and
invests it.

In theory, the earnings from those investments should earn enough to pay the
premiums for you.. So, in other words, after a certain number of years pass, the
insurance is paying for itself. Isn’t that wonderful? I DON'T THINK SO, HA, HA, HA.

WHOLE LIFE HAS AN INVESTMENT PLAN, IT SUPPOSE TO BE YOUR
MONEY. BUT, IF YOU NEED TO GET SOME OF IT ; YOU HAVE TO
BORROW IT WITH HIGH INTEREST RATE , AND IT TAKES YEARS TO
BUILD UP, IT REDUCES THE DEATH BENEFITS / KNOWLEDGEFINANCIAL.COM

JUST BUY THE TERM LIFE INSURANCE AND INVEST THE DIFFERENCE. NOW YOU
CAN GET READY TO ENJOY PEACE OF MIND AND FINANCIAL FREEDOM..

WHOLE LIFE'S problem is that the insurance companies charge very high
commissions for the investment elements when you buy whole life insurance,
and it rarely works as they project. They also charge very high expenses. The
bottom line is, you could invest that extra money yourself and grow it much
quicker than if you bought whole life and let the insurance company do it for
you.
That’s why term life insurance is much cheaper than whole life.

So why would you buy whole life?
You wouldn’t unless you had no choice. If your family is at financial risk that
goes beyond your life (meaning you face estate tax liabilities), you will need
whole life insurance to transfer estate tax risk.

That is the only reason to buy whole life (or universal life for that matter). Term
doesn’t work to solve the estate tax problem because you might die after the
term expires. Whole life insurance never expires, and you won’t have to make
premium payments if the company is able to invest the money well.

So you should buy term life insurance if you are financially responsible for
others for a specific period of time. If your family will need money to also pay for
estate tax, you might buy whole life.
The bottom line is, whole life insurance is not an investment. The returns are
terrible because the costs are very high. KNOWLEDGEFINANCIAL.COM

Senior Term Life Insurance – The Complete Guide

More and more mature citizens want to know how to get senior term life insurance cheap. They are
looking into this because they can’t count on real estate equity and stock market investments to
“self-insure” as they did in the past.

If you are a senior citizen and still working, you might need term life insurance to protect your family
in case you aren’t around anymore to work and bring home that income.
Even if you aren’t working, you may need insurance to make up for the reduced Social Security
spousal benefits and lower pension income your survivor may have to deal with one day.

'' 'INSURANCE YOU MAY NOT NEED

WHEN YOU ARE HEALTHY AND YOUNGER YOU ARE
TAKING A TERM LIFE INSURANCE WITH AN INVESTMENT
PLAN. THIS SHOULD BE THE BEST FOR ANYBODY AT ALL
TIME,

BUT NOT THAT ''- TRAVEL ACCIDENT LIFE INSURANCE...

2. Travel/accident insurance. This coverage is very cheap for good reason.
Most people arrive at their destinations safely, and very few get into
terrible accidents. And what does it matter how you die, by the way?
Why would your family need more life insurance just because you died in an accident rather than
from an illness?
I know this sounds crass, but this insurance makes no sense. Rather than throw your money away
on these policies, have an extra-large, fresh-squeezed orange juice at the bar while you are waiting
for your flight. You'll live longer.

. Whole life/universal life. Life insurance is a tool, not an investment. With whole
life/universal life insurance, you will pay a higher premium with the promise that the company will
take those extra dollars and invest them for you. The problem is that this type of insurance is very
expensive. The investments don't grow because the expenses eat up your interest.

Whole life and universal life policies are the reasons why life insurance companies can afford big
buildings and Super Bowl ads. The only time these policies make sense if you have an estate-tax
problem but this is a subject beyond the scope of this post.

Life insurance is a very important tool. When you use it for its intended purpose, it's great. That
means you should look to term life to cover your family protection needs. Ignore the slick sales
gimmicks of guaranteed life, life insurance or children, travel and accident insurance, and whole
life/universal life.
What kind of life insurance do you have now? You better check your policy again, and again..
KNOWLEDGEFINANCIAL.COM.

Five Insurance Policies Everyone Should
Have
Protecting your most important assets is
an important step in creating a solid
personal financial plan. The right
insurance policies will go a long way
toward helping you safeguard your
earning power and your possessions.

TERM INSURANCE ADVANTAGES, TERM
INSURANCE GENERAL KNOWLEDGE. Buy
the term, and invest the difference.

THE IMPORTANCE OF INSURANCE IN
SOMEONE'S LIFE!
Your Financial Plan; Insurance is an
important element of any sound financial
plan
Different types of insurance protect you
and your loved ones in different ways
against the cost of accidents, illness,
disability, and death.

INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES,
FEATURES AND BENEFITS WHILE
ALIVE AND AFTER DEATH.
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Life Insurance
Life insurance, payable when you die, can
provide a surviving spouse, children, and
other dependents with the funds
necessary to maintain their standards of
living, can help repay debt, and can fund
education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..

INSURANCE PRODUCTS: How to make
profits with the insurance companies?

Auto Insurance
Auto insurance protects you from
damage to the often considerable
investment in a car and/or from liability
for damage or injury caused by you or
someone driving your vehicle.

The 10 Best Ways to Lower Your Car
Insurance Bill
Money saved is money earned. Many
people spend more than is absolutely
necessary on their daily bills, the things
that they take for granted.

Auto Insurance - What do You really
Need?

When shopping for car insurance, you
must take a number of factors into
consideration in order to obtain the best
coverage for your needs at a reasonable
price. For instance, how much is your
vehicle worth?

Home-owner's Insurance: How to Save
Money on Home Insurance?
Home-owner's insurance should allow
you to rebuild and refurnish your home
after a catastrophe and insulate you from
lawsuits if someone is injured on your
property.

Guide To Homeowners Insurance:
Different Types of Coverage
All insurance is definitely not created
equal or, put another way, you get what
you pay for. The least costly homeowners
insurance will likely give you the least
amount of coverage, and vice versa.

Ways to Reduce Your Life Insurance
Premium
While you can't do anything about two of
the three main factors affecting your
insurance premium (age and family
medical history), there are steps you can
take regarding the third - lifestyle. You
could lower your insurance premium if
you:

Annuities & Pensions Insurance
Basically, an annuity is just a series or
stream of payments. “Annuity” comes
from the Latin for “year”. In the context of
life insurance, it is a contract between
you and an insurance company under
which the insurance company pays you
money for a stipulated period.

Things to Remember When Buying Health-
care
It’s always much easier and much less
complicated choosing healthcare
coverage from your employer.

Your Health Insurance; and what it should
Cover
How to analyzed the costs that you pay
under your health-care insurance plan. In
this article we’ll look at some of the basic
coverages which should be included in
your policy.

Business Needs Business
Insurance
Three Common Myths About
Liability and Understanding the
Value of Insurance

Disability Income Insurance
Insurance?
If you were unable to work for an
extended period of time due to
an injury or illness, how long
would you be able to pay your
bills and meet your day-to-day
expenses? LEARN MORE...

LONG-TERM CARE INSURANCE:
What is long-term care
insurance? Should you buy a
long-term care policy? What
should you look for in a long-
term policy?

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Life Insurance Benefits, Advantages- ' Life Insurance Plan    -/
Reduce Your   Premium And Get More Coverage For Less Money For You And Your Entire
Family no Matter How Many Children You Have or Will Have; All Cover For The Same Low
Cost. --
'' Life Insurance Policy    /

South Fl. Call Anthony The Insurance Representative At: 786-

Be Properly Protected With a Good Insurance Policy.
Affordable Life Insurance: Best Price, Best Plan With The Best Company.   Call At: 786-
'' EXCELLENT LIFE INSURANCE PLAN:   -/

Family Treasure; Life Insurance Can be a Great One.
Call Anthony The Insurance Representative At: 786- -

''LOW COST LIFE INSURANCE, BUT VERY GOOD PLAN   -/
The Entire Family Can Cover For The Same Low Price no Matter How
Many Kids You Have or Will Have, All Cover Under One Policy.
SOUTH FL. CALL THE INSURANCE REPRESENTATIVE AT; 786-709-6577-

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South Florida, Life Insurance
Licensed Representative

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in order to obtain the best coverage for your needs
at a reasonable price. For instance, how much is
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Home-owner's Insurance: How to Save Money on
Home Insurance?
Home-owner's insurance should allow you to
rebuild and refurnish your home after a
catastrophe and insulate you from lawsuits if
someone is injured on your property.

Guide To Homeowners Insurance: Different Types
of Coverage
All insurance is definitely not created equal or, put
another way, you get what you pay for. The least
costly homeowners insurance will likely give you
the least amount of coverage, and vice versa.

Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three
main factors affecting your insurance premium
(age and family medical history), there are steps
you can take regarding the third - lifestyle. You
could lower your insurance premium if you:

Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of
payments. “Annuity” comes from the Latin for
“year”. In the context of life insurance, it is a
contract between you and an insurance company
under which the insurance company pays you
money for a stipulated period.

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Information on Applying for
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'' Insurance Quotes: How Much An
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Financial Planning 101: Do You Know That? Someone is going to
get your money when you die. Do you know who that will be?
---------------
Who will get your money when you're gone? Some things to
know...

What a shame if the money you worked so hard to accumulate
over a lifetime were to go to the tax collector, the government,
lawyers or even your ex-spouse, or a relative you haven't
spoken to in years.
------------

It is now a good time to check the beneficiaries of retirement
accounts and life insurance policies, since they receive the
proceeds directly at your death, regardless of what your estate
plan directs.
------------

Here are important things you should know about naming
beneficiaries to retirement plans and insurance policies.

1. The owner of an account or policy can change the beneficiary at any time simply by
contacting the custodian or plan administrator or life insurer.
----------------
2. You should also name a "contingent" beneficiary to stand second
in line in case your named beneficiary is not alive (perhaps in case of an accident where both of
you die together). Keep a list of the beneficiaries you have named for various accounts.

-3. Tax implications for beneficiaries vary. Life insurance proceeds are
received by the beneficiary free of taxes; he or she receives the money directly after submitting
required proof of death.
------------------
4. The money received by a beneficiary of an IRA is subject to a
number of options, including various types of rollovers, depending on whether the
beneficiary is the spouse or some other person.
These choices can impact the taxes to be paid as money is withdrawn, or is required to be
withdrawn, from the retirement account.
--------------

5. Importantly, the total value of life insurance and retirement policies are
included in the asset value of the estate of the person who died while owning
the account or policy. The value of those accounts may be substantial enough for the
decedent's estate to be subject to estate taxes at the federal or state level.
----------------
6. The beneficiary does not have to be a relative.
It could be a friend or a charity. But if you do name an individual as beneficiary of a retirement
plan, there are some important tax advantages if the beneficiary understands the rules.

So you should leave instructions for the beneficiary NOT to make an immediate withdrawal from
a retirement plan.
----------
7. Depending on the age of the person who died, and whether the
beneficiary is a spouse, there are a variety of decisions to be made about rolling the account
into another IRA, which can keep the money growing tax-deferred (or tax-free, in case of a
Roth). Each decision will have various tax and withdrawal implications for the beneficiary.

To make the right choice, the beneficiary will need professional advice. Major mutual fund
companies such as Fidelity and Vanguard have experts to help you make the best decision for
your situation.

8. Do not name a minor as a beneficiary of a life insurance
policy or a retirement account. That will likely result in a court-ordered trustee being
appointed.

That trustee would be empowered to make distribution decisions, which might not be of your
choosing (for example refusing to pay tuition to an expensive college).
-----------------------

9. If you want your children to be beneficiaries of the money,
you should consult an estate planning attorney to set up a trust as
beneficiary, naming a trustee of your choice, and adding your payout instructions.
-----------------
-10. It's up to you whether to tell your beneficiary that he or she is next in line
to receive your money at your death.
But if you're naming an institution or charity as beneficiary, you should make sure you get the
proper forms and instructions to correctly name the beneficiary.
--------------
11. No one likes to think about death and beneficiaries. The sooner
you make sure you have all your forms updated to reflect your intentions, the sooner you can
stop thinking about it. And that's The Savage Truth.

'' Learning Tools And Resources ''.

''Financial Literacy 101: Investing,

'' Business Information Center -''
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Personal Finance 101.

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'Personal Finance 101 - Useful tools &
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