Of all the different types of policies, the universal life insurance seems to be the most favorite among today’s policyholders. It is a much later innovation, conceived to meet a modern need. However, it does not mean that the earlier policies have all become redundant. No, even term life, the original life insurance policy, has quite a big following even today and so have the whole life policies. Nonetheless, people seem to prefer universal life because it combines the low cost protection of the term life with the saving elements of a whole life to provide a perfect solution to modern insurance need.I am sure you are aware that the term life is the original type of insurance policy. Indeed, life insurance may have actually started in the form of burial clubs and artisans’ guilds in the Middle Ages, but the term insurance that we know of today is a much refined version. It is a pure life insurance policy valid a temporary period only. You can buy one for a period of 1/5/10/15/20/25/30 years. Since these policies do not accrue any cash value, you can have a large coverage at a very reasonable rate.However, on the con side, unless you die within the valid period, the term insurance policies offer no return. The whole life policies were next conceived as its antidote. They had saving element incorporated in them. However, such policies were little too expensive and premium payment mode was little too rigid. The universal policies came next. It became instant hit because it offered more flexibility when it comes to cost and coverage.Indeed, if you want to take advantage of the market without loosing the security of the life policy, there can be nothing better than a universal life. Following are some of its salient points:• It is a permanent policy valid for the life of the insured and so whenever the insured dies, his beneficiary is sure to get the benefit.
• These policies are slightly overpriced and amount paid above the cost of insurance is credited to a cash value account.
• Interest too is credited to the account. It may either be determined by the insurer or pegged to financial indexes such as stock, bond etc.
• If you fail to pay the premium, the amount will be debited from this account, thus keeping policy in force in spite of occasional lapses.Today we also have variable universal insurance, which allows the cash value to be directed to a number of separate accounts that operate like a mutual fund. However, since these policies are equity based, they can offer higher return, but if the market goes down, they offer greater risk too. If you are buying the policy solely for insurance purpose, such a policy may not be a very good idea because the death benefit will be paid as long as you have enough cash value to pay the costs of insurance in the policy.However, it is not for me to tell you what type of policy to buy. Receive different categories of life insurance quote on line and then decide. All said and done, I cannot stop myself from adding that, for life insurance purpose, you will do well if you buy only a term life insurance. It is true that a term life does not offer cash value, but its rates are so low that only a financial fool will expect it from the policy. Instead, the financial advisers say that one should buy a low cost term life for insurance purpose and then invest the difference in separate fund.However, not every type of term insurance is cheap. The term life insurance no medical exam policy for example is so expensive that the concept of investing the difference cannot be applicable here; in fact, the price structure of such a policy does not leave any difference to invest. Sometimes they are as expensive as a universal life policy is. Yet, such policies are no less popular because they too have some unique advantages.No medical policies provide instant coverage. You apply today and if you qualify, your family will start being covered by the policy from tomorrow and that too for the full amount. Of course, just as every other case, suicide within first two years is always excluder from its purview; otherwise, every other type of death in included under this policy. You may wonder why this policy is so expensive. Actually, without the medical test, the carriers can never work out the exact cost of insurance and so they charge more. Remember, they are here to do business, not for charity.
Universal Life Insurances Can Be Popular – But Is It For You?
Spin-Written and Regurgitated Articles – Is it the End of Them?
To start up the right way here, I want to specify that I am not saying that I have always written perfect articles, but I can’t thank EzineArticles enough for their decision on not to accept spin-written, regurgitated, empty content, you name it… articles anymore.I guess this is a good time for article marketers to understand that they will not go very far with short, regurgitated and pure sales page articles that they are sometimes displaying. As a matter of fact, if those marketers really understood what article marketing is all about they would have never have written such articles in the first place.As an internet marketer why are you writing articles?As an internet marketer, affiliate marketer or article marketer, which ever name you want to be called, you should write articles to have people recognizing you as an expert, as a source of good value that they can refer to and even refer others. This is not only the best way, but lastingly the ONLY way to build real targeted traffic to your site.Have you ever thought about the readers?Readers are not stupid, and they can tell when they are reading an empty spam article that is only meant to sell them. As a matter of fact, such articles might be a warning sign for them that the product and the person selling it cannot be trusted. As an internet marketer, this is the last impression you want to give to your potential customers.Do you know how your articles get picked by publishers?The kind of articles that EzineArticles will be rejecting from now on, are not the kind or articles that will ever get picked up by publishers anyway. So, here is another reason why you should not write thin, non-original reused content articles. The kind of articles that publishers are looking for to publish on their sites are original, informative, or educational articles that their readers will take advantage from and come back to for more. When your articles are picked up by publishers it increases your potential of the article views tremendously as well as backlinks. As an affiliate marketer, you should always want to write well enough to have your articles picked up by publishers.Want to make article marketing fun and exhilarating?Look for ideas and tips within your niche that could improve the knowledge of your readers. Write educational articles that answer common questions that a large amount of people have. When people see the value of your articles they will come back for more. As they do, they will certainly check your product out and even send you referrals. This will happen only if you write original, rich and educational articles.
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