Cashing Life Insurance Settlements

Life insurance is taken to provide security to an individual?s life against events like accidents or death. A life insurance policy is a contract between the insurer and the company that offers such a policy. Herein, the company agrees to pay an agreed sum of money or cash in case of an accident or death. Cash Life Insurance Settlement policy could be surrendered at times when there is a shortage of money. Hence such policies are sold for cash to meet expenses like medical treatment, inability to pay premium on time, and so on.

When such insurance documents are sold, policy sellers benefit by converting these assets into liquid money, which can be invested as and when needed. It proves profitable to sell off a policy, as it could be worthless if premiums are not paid in time.

Cash life insurance settlement companies offer a high amount on insurance settlements than what insurance companies offer. Usually such cash life insurance settlement companies buy policies from general public, and trusts and offer a fixed rate amount to policy sellers. Cash life insurance settlement company may be the principal beneficiary on the amount at the event of death of a document holder or when the policy matures.

Senior citizens who are above the age of 65 years may be required to sell cash life insurance settlements at times. This could meet emergencies when senior citizens may require money for their medical treatment and other needs. Hence, these cash life insurance settlements are sold to companies for a price that is a little higher than the purchase value. At times brokers bid for policies and whichever is the highest amount, is paid to such citizens. Policyholders may have the right to choose whether to opt for this amount or not as these policies may be worth approximately one hundred thousand dollars.

Health And Life Insurance – Knowing How To Get It

You would be happy to learn how you can get lower rates on your health and life insurance policies. Won’t you? I’ve spent some time looking around for ways to effectively lower anybody’s health and life insurance rates. Here are a few tested ways you can ensure you pay much less.

In deciding what you pay, certain factors are used. Although each insurer has a different weighting for each of those factors, they all factor them in while calculating how risky it is to insure you and, consequently, how much it would cost you. Your rates will be increased greatly by the following…

Smoking or using any tobacco based substance does only one thing to your life or health insurance rate: Shoot it to the roof. Smoking has caused so many deaths and is the major cause of cancers and other terrible diseases worldwide.

Many people have quit smoking. You too can do it if you really mean it.
You can get all the help you need from people who love you or groups that are set up to help you quit smoking. This will lower your life insurance rates. Furthermore, you’ll live a healthier life if you quit smoking.

Participating in dangerous sports make you a great risk to any insurer. To protect themselves insurers will slam you with high rates. You can’t keep up your involvement with such sports and expect anything like low rates in life insurance.

While I do not intend to force my opinion on you, I think the grief you’ll cause your loved ones (If you have any) far outweighs any pleasure you derive from such sports. Well, that’s my opinion.

You pay higher life insurance rates if you are part of a high-risk profession. That is an occupation that exposes you to hazards. You can lower your rates if you change to another occupation — A safe one.

You can get lower rates on life insurance now by visiting at least three insurance quotes sites. Each site will take you around 5 minutes or less to request a quote.

Some people fill in details that are not really correct about them. That isn’t a smart move as the quotes you’ll get won’t do you any good.

You’ll have to choose what represents the best life insurance quote for you from the list of quotes returned. That’s all there is to it. But you could easily save over $1,000.

How to Compare Term Life Insurance Rates

If you want get the best deal on term life insurance, you need to know how to compare insurance rates. Term life insurance rates refer to the monthly premiums you’ll pay for your life insurance coverage. It is generally easy to get a term life insurance quote online, but you also need to know how to compare term life insurance rates to determine if you are get the right policy for you at the best rate.

1. Get term life insurance quotes online from several sources. Most insurers work with online life insurance quote websites to provide you with term life insurance rates.

2. Make sure you’re comparing policies with the same terms and benefits so you can evaluate the rates fairly. Term life insurance rates are based on the amount of coverage you need, the term and your age and health. A discount life insurance policy may offer you less coverage for a lower rate, and a five-year term should have a lower term life insurance rate than a 30-year policy.

3. Check the reputation of the insurers providing the term life insurance quotes. The cheapest term life insurance policy may not be the best choice if the company isn’t reliable about paying benefits. A discount life insurance provider may not be as stable as a company with a better reputation but slightly higher term life insurance rates. Choose a company that is rated highly and that has no complaints.

Excess fat Loss Support For A lot less

Maintaining your perfect body mass is difficult. It requires significant amounts of perseverance to improve routines that will contribute to a healthy daily life. Weight Watchers has helped lots of people for 50 years accomplish their own fat management ambitions.

With Weight Watchers they actually know that developing a healthful weight loss regime requires much more than food stuff. Many people think about weight loss possessing a feeling connected with fear. They think it is all related to doing without your favorite meals and a lot of strenuous exercising It is important that these be looked at in attaining ones recommended bodyweight – activity, healthful lifestyle, help from close friends and family plus appropriate food choices.

The Weight Watchers program helps you modify a system so you’re able to keep track of how you’re progressing, prepare dinners plus plan exercises. Given that you can get this promotion on your smart phone, following how you’re progressing is easier. Weight Watchers offers each of the tools that will assist you to keep up long lasting healthful weight.

Once you join the Weight Watchers plan you save approximately 30% while using Weight Watchers Promotion Code. That means a financial savings of $19 or over dependent on how you employ the promotional. Enrollment is free here at

Best Term Life Insurance

Term life insurance, as a concept is fairly easy to understand as opposed to understanding what term life insurance is the best for you. It is very important that you give long and good thought to what term life insurance would be suited to your best interest. Term life insurance remains in effect for only a limited time that has a predetermined span of time. An individual who holds a term life insurance pays a standard premium only during the specified term of his life insurance policy. In the event of the death of the insurance holder during the term, the death benefits directly end up going to the beneficiary.

Most of the various life insurance policies today offer a variety of options but term life insurance is one of your best options as it offers you maximum flexibility. It is however true that all sorts of options are more readily available with other kinds of insurance solutions. Still, despite the simplicity and limitations, term life insurance is yet a more sensible and of best utility among a large spread of customers.

For those individuals who require a temporary life insurance protection, a term life insurance policy is best. Term life insurance is best to fill a gap like when the case is such that an individual is not protected under any life insurance policy due to whatever reasons. Under such circumstances the term life insurance is best as it can still protect the necessary financial interests of the concerned family. If you are looking for a life insurance coverage for just a short period, then too term life insurance is best opted for.

By and large term life insurance is best suited for young working people who have families. You can easily find the best term life insurance quote for you by making use of the Internet. However when you do get around to searching for term life insurance quotes online you must keep certain points in mind like for example the premium that is to be paid, the term of insurance, the rate, authenticity of the company and so on. You will find affordable term life insurance schemes by searching for life insurance companies that have websites with complete details. By comparing the policies offered by different companies you can settle upon the best term life insurance policy for you.

How Does Term Life Insurance Work?

You are a responsible adult. You get up every morning (or night) and head off to work to build your legacy or provide for your family. You invest your money wisely, and always pay bills on time. You have also tried to put money away for your children’s future education. Because after all, nothing is more important to you than your family, and it’s what makes all of the hard work you do worth it.

But what if in an instance all of your hard work was wiped away? What if your death meant the end to your family’s security, comfort, and future? Is there something you could do to safeguard their future? Would it be expensive? Is it too late? The answer to these questions are yes, no, and NO!

The solution to securing your family’s future is term life insurance. Simply put, term life insurance makes sure that your family is financially secure in the event of your untimely death. Life insurance is essential for everyone, regardless of class or status.

Think life insurance is expensive? Not the case. This is were term life insurance comes in to play. It is one of the most inexpensive forms of life insurance available, and covers a lot of situations and needs, from the dad who wants to protect his family to the single person who wants their business to remain productive even after he is gone.

So, how does term life insurance work?

Term life insurance is life insurance that provides coverage for a specified amount of time (i.e. 5, 10, 20, or 30 years.) This period of time is known as the “term”, thus giving you Term Life Insurance.

Term has also been called “pure” insurance, in that it offers no cash value, only protection. When your policy is over, the money you paid (your premiums) cannot be refunded (exception- Return of Premium Term Life Insurance, just to show the variation in term life insurance.) Your policy just expires, and you either renew it or find another policy. Generally, the death benefit does not change, and your premium stays the same throughout the policy (there are exceptions.)

Natural Gas Safety: How to Safely Heat Your Home

As with any source you use to heat your home, it is important to practice safety techniques. Just like you would never stick your finger in an electrical outlet, there are certain things you should (and shouldn’t) do if you use natural gas in your home. Natural gas safety is important to remember and follow in order to safely heat your home and avoid having any problems. Here are a few tips to keep in mind when heating your home so you can be safe – and warm – in your house!

Pay Attention to Smells

Natural gas is normally an odorless gas, but a smell is added by your utility that will alert you there is a leak somewhere in your system. If you’re wondering what to do if you smell gas, it’s best to contact your utility provider if you can’t find the source of the smell immediately. The cause might be that a burner is left on, but if you can’t locate the source quickly and the scent is very strong, exit your home immediately and call 911, your NG provider, and an HVAC service company. This gas is a flammable substance, so it is best to have the problem taken care of quickly. Simply paying attention to odd smells in your home can go a long way in assuring your safety.

Know the Location of Your Pipelines

Your natural gas gets to your home through pipelines, and these probably go right through your yard. If you are planning any projects that require digging in your yard, it is essential you know where your pipelines are located in order to ensure natural gas safety. As you know, it is a flammable gas, so a leak can be dangerous. You can call 811 nationwide to learn where your pipelines are located. That way, you won’t risk causing a potentially dangerous leak.

Monitor Your Carbon Monoxide Levels

When natural gas appliances aren’t properly maintained (regularly checked by a technician, have routine filter replacement, etc.) their heating elements and burners can wear out, preventing them from burning fuel as cleanly and completely as possible. This manifests as a flickering yellow or orange flame and can have deadly side effects – namely, the creation of carbon monoxide! When your appliances are working as they should, this gas is not created. Some signs your appliances are not burning fuel properly include:

· Streaks of soot around the appliance

· Moisture on the pipes

· A flickering yellow or orange flame

Some utility companies offer a service that will check your appliances for you, including many Pennsylvania natural gas companies. Check with your provider to see if they offer this service.

Carbon monoxide is odorless, colorless, and deadly. You cannot detect it on your own, and that’s why it is always a good safety technique to install a carbon monoxide detector. These work in a similar fashion to a smoke detector and will alert you if there is a high concentration of carbon monoxide in your home. This way, you can get your family out of your home and call your utility provider to get the problem fixed. Symptoms of mild carbon monoxide poisoning include headache, fatigue, and nausea, which often go away after you get outside. Symptoms of severe CO poisoning include severe nausea, confusion, extreme fatigue, and ultimately, death.

Using this fuel source in your home isn’t anything to worry about, as long as you practice good natural gas safety. That way, you can get the warm, cozy home you need without fear of any problems!

How to Find Affordable Life Insurance in Connecticut

Don’t let your search for affordable life insurance in the state of Connecticut make you vulnerable to fraud. If you are contacted to purchase a life insurance policy and then immediately sell it, think twice. You may be the target of an insurance fraud.

The National Association of Insurance Commissioners and the Connecticut Insurance Department want policyholders to be aware that the sale of life insurance policies are being perpetrated illegally.

A little background: Insurance companies provide for the selling of life insurance policies. There are two types of sales and they are called life settlements and viatical settlements.

o Life Settlement occurs when the owner of a life insurance policy sells it to a third party. The third party now becomes the owner/beneficiary of the policy. The new owner must pay the premiums and thus will collect the benefit when the original policy owner dies (as the original policy owner is still the ‘insured’).

o Viatical Settlement: Viatical settlement is similar to the life settlement, except the original policyholder is terminally ill.

Why, you may ask, would anyone sell his or her life insurance policy? There are many reasons; one of them being financial. If the insured is running into financial difficulty, they may sell the policy to a third party for the cash reward. This is a legal practice and these policies may be sold through a life insurance broker. The third party (buyer) pays the brokers commission.

Rather than selling a policy, policyholders can exercise the accelerated death benefit provision of their policy, which could pay a substantial amount of the policy’s death benefit. Additionally, the cash value of a life policy can be used as security in obtaining a loan from a bank or financial institution.

Don’t let unscrupulous people talk you into purchasing a life policy and immediately selling it. If this does occur, it is important to contact the Connecticut Insurance
Department immediately. Do not become a victim.

The Top 5 Reasons People Are Turned Down For Life Insurance

You may be looking into getting an insurance policy and trying to find out if you can qualify. In this article, you will learn about the top 5 reasons that people get turned down for insurance as well as some tips on how to avoid them.

Health Reasons

The most common reason people get turned down for insurance is that they don’t qualify because of their current or previous health history. For example, most insurance companies want to wait one or two years from the time someone has been cancer free, or from the time of a heart attack. Other times multiple health issues together may cause you to get declined for insurance. For example, while diabetes alone may not be a cause for a decline for life insurance, you may be declined if you have diabetes, depression,ADHD,and are over weight. If you think you are at risk for being declined due to your health, make sure to work with an agent that understand high risk insurance.

Financial Reasons

Most people don’t know that there is a limit to the amount of insurance you can buy. One of the ways insurance companies decide how much insurance you can qualify for is based on your annual income. If you don’t have an income, you must have a financial justification to have insurance in place. If you can’t come up with one, the life insurance company will decline you for insurance. One item to note is that if your spouse or significant other has insurance, you can usually qualify for the same amount, even if you don’t have an income to qualify.


If you are currently going through a bankruptcy most life insurance companies will decline your insurance application. Chapter 7 is usually considered worse than a chapter 11,12, or 13. This means that you may have to wait a year from a chapter 7 bankruptcy, while you may be able to qualify for insurance if you already have a payment plan and in the midst of a chapter 11,12 or 13 bankruptcy.


If you have received a DUI in the last 10 years you might be declined for life insurance, depending on which company you apply and how old you are. If you have had multiple DUIs – 3 or more over the last 10 years, you probably won’t find any life insurance companies that will approve you. The key to getting approved is knowing the guidelines of the insurance companies and finding out who is most likely to approve you.

Criminal History

If you have a criminal record, especially a record that includes one or more felonies, you may be declined for insurance. Depending on the crime, the conviction, and how long ago your parole ended, you may or may not get approved for life insurance. Being upfront and honest about your past will be your best bet to getting approved.

If you are looking into life insurance here are a couple of things you should do. First, be completely honest about your situation, whether it’s health or any other issue. The more information your agent and the insurance company have, the better. Second, make sure you work with an agent that has the experience to help you navigate the various guidelines of insurance companies, so that you have the best chance of getting approved for life insurance.

Bonded Life Insurance Settlements

Bonded life insurance settlements are settlement for insurance policies that are provided by bonding companies. For a premium, these companies promise to buy out the purchaser’s interest in the policy at face value, in case the policy does not mature by a particular date.

Bonded policies typically have a low return on investment, as a part of the purchase funds is dedicated towards, paying a lump sum performance bond premium. Bonded viatical life settlements, also known as bonded viaticals, are termed as secondary market life insurance policy contracts. Viatical investment contracts have the option of, emergency or stop loss insurance on the life expectancy, which is called a wrapper.

The insurance company that issues the wrapper offers, an insurance policy or financial guarantee, according to the performance of the underlying life expectancy. This kind of financial guarantee ensures more security and safety to policy owners, who might be interested in purchasing viatical investment contracts. This transfer of the life extension risk from the purchasers to an insurance company increases, the chances of a return on the funds that are invested.

However, there is one major risk associated with viatical purchase contracts or viatical investment. The risk is that the insured, which is also known as the viator, will live beyond their originally anticipated life expectancy. To combat the life extension risk, some viatical companies escrow additional funds to cover for it. In case these funds are exhausted prior to the maturity of the policy, its responsibility lies with the purchaser. It means that the purchaser of the viatical investment contract may have to maintain the account by paying the premiums, until the maturity of the contract. The maturity of the contract in this case is the death of insured.

There is also a possibility that, an escrow agent or trust department, is concerned with making payments for premiums on the life insurance policy. The status of this escrow agent or trust company status must also be looked upon during the determination of the value of the investment.