Vectors and 3D Models
Local Search - Health
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
03/21/2019 03:10:46

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
OhmydollzAbductionFlash PinballEloikGuitar Drum Revolution

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles

healthy snacks
healthy recipes
health insurance
healthy breakfast
health partners
health net
health equity
healthy dinner recipes
healthy meals
Montreal healthy snacks

Related Images

Article Category Videos to Watch
Go to the Videos Pages

Life Insurance - The Three Most Common Types Of Policies Explained

The life insurance industry has been misunderstood when it comesdown to the sale of life insurance policies. Folks mustappreciate the fact that dying is just a part of life.

There are many things that must be considered before purchasing any life insurance policy. There are 3 main types of life insurancepolicies to look at Term, Endowment and Whole Life. Let's take a look at these three.

Whole life insurance is designed to cover you for your wholelife. When you pay your monthly premiums a portion goes to payfor your life insurance while the rest goes into a savingsaccount. This savings account builds what is known as "cash value"that you can borrow against, if needed, after it builds, but itmust be repaid.

These Whole Life Insurance policies "mature" whenthe insured individual turns 100 years old. At this point, theinsurance company will cash out the insured person for "facevalue" and cancel the policy. Face value is the amount that thepolicy would have paid in the event of the death of the insuredperson.

Endowment insurance policies are designed to be paid for aspecified amount of time until the policy "matures". Some reasonsfor Endowment Insurance could be college tuition, retirement,ect.. Endowment policies are normally more expensive as they'redesigned to be paid in full after a certain period of time ratherthan being paid over the period of the insured person's life.

Term life insurance is the least expensive type of policy thatyou can buy. These policies can be purchased for a specific timeperiod or "term" just as the Endowment policies, however there isno cash value accrued with term insurance policies.

Term policies are perfect for those that need additional securityover a specific time frame. An example would be the breadwinnerof the family needing additional insurance coverage during his or her working years when they would have more obligations to meet.

Before buying any life insurance you need to sit down, with yoursignifigant other, if you have one, and go through every bill that you have.Seperate these bills by figuring out what your regular monthly expenses arefor your household and how much you have going out in payments that willeventually be satisfied.

Examples of payments that will eventually be satisfied are car, boatfurniture, home, ect. These should be figured into the amount of coverageneeded in order to pay these off in the event of the death of the breadwinner.

The other pile will include what your living expenses will be like withoutthose payments. This pile should include homeowner's insurance, life insurancefor the surviving family members, food, utilities, clothing, ect.

You'll also need to take into account the loss of income from the breadwinner.This can be tricky, especially if you have children. You'll need to take intoaccount their ages, how many years they have remaining in the home, medicalinsurance, dental insurance, school expenses, ect.

Finally, you'll need to allow for enough money to survive in the event that you're unable to work or simply need to take a period of "healing" time.The passing of a loved one is never an easy event, but it's made much worse whenyou're not allowed the time to gather yourself before being thrown back into theroutine of life.

The things mentioned above are designed to give you some ideas as to what youneed to be taking a look at. Each family and individual has different needsand expenses though and you'll need to take your time when doing your financialinventory.

For more information about the different types of life insurancethen you should contact a licensed agent and set up anappointment at your earliest convenience.

About the Author: Joe Stewart is a Webmaster and former Life And Health Insurance
Agent. He's made understanding life insurance simple for
consumers. You can read detailed explanations about life
insurance at his website or by clicking on Whole Life Insurance
Quote Online

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2019 WhmSoft - All Rights Reserved.