Life Insurance: The Perfect Holiday Gift

Term life  insurance  may be the  perfect  holiday gift for you to give to your family this year. Why? Because it provides what we all want–throughout the entire year, but most of all at the holiday season: peace of mind.

Put simply, a term life policy gives your family financial stability if you die. That stability gives your spouse and children (and, of course, you) the comfort of knowing that their future is protected. Term life insurance coverage can help make sure that, even if your income suddenly disappears, there’s still enough money for your spouse to pay for your children’s college education…enough to cover your mortgage…enough to pay off your debts…even enough to pay for your funeral expenses.

Term life insurance provides protection for a specific period of time (or term). This ability to obtain temporary coverage–for a set number of years–gives you the power to make sure that your family can maintain the lifestyle you have worked so hard to create for them, even after you’re gone.

What’s the value of that stability and peace of mind? You can’t put a price tag on the emotional security that life insurance provides. That’s what makes the affordability of a high-quality term policy so surprising and welcome. Term life insurance costs a mere fraction of permanent life insurance. Various types of permanent policies include whole life, universal life, and variable universal life. Any one may be suitable for you and your family, but plan on paying five or more times as much as you will for term life insurance. With a term policy, you can expect to pay less per day than you’d pay for a cappuccino at the neighborhood coffee shop.

There’s another big difference between term and permanent life insurance. A permanent policy will require a medical examination and extensive questionnaire. But a term policy? You can get that in a matter of minutes–from a reputable, experienced company…and without a medical exam!

By all means, don’t avoid permanent life insurance if you can afford it. Just make sure you also have the unique kind of protection that only a term life policy can provide. It couldn’t be easier.

These days, you can compare life insurance rates online, then get a free, no-obligation quote in seconds. You may be able to choose policies of 5-, 10-, 15-, 20-, 25-, or 30-year terms, in some cases up to age 85 (or even beyond).

If the quote fits your budget, you may be able to make the purchase immediately. With many companies, you can talk with an insurance agent over the phone, if needed. Either way, you may be able to pay your first month’s premium online, then download and print a hardcopy of your policy. Before filing that policy away with your important family documents, however, you may want to roll it up (or place it in a nice box or envelope), tie a ribbon around it, and give it to your spouse this holiday season. It may be one of your nicest, most memorable gifts ever. It says, “I love you. And I want to do everything I can to protect you even after I’m gone.”

Visit NoMedExamLifeInsurance.com. Or call 1-800-939-0710.

Health And Fitness Means Getting Out Of Your Comfort Zone

Millions of people are being led astray by incorrect information, beliefs, opinions, and practices recommended by health care professionals, fitness instructors, and coaches who do not fully understand exercise and its requirements.

Many governmental agencies and fitness industry institutions promote the supposed health benefits of general physical activities over planned structured exercise. In an effort to gain compliance, these organizations have lowered the requirements of exercise to such a level that virtually every activity that involves mere movement of the body qualifies.

Such misinformation has caused many people to miss the real benefits that a proper exercise program can deliver or, even worse, to end up injured in the pursuit of health. Others become frustrated by lack of results or confused by conflicting information and choose to do nothing at all.

Suddenly there are all these experts saying things like, just park the car a bit further away from wherever you are going, or just do some gardening or housework. The most misleading of all is the notion that walking alone is enough to strengthen and condition the body and that is all that is necessary. Well listen up, we all have legs and we all walk, legs are the things that move our body and walking is what you do when you need to go to the shops or somewhere. How did it suddenly become an exercise program?

The truth of the matter is that if you want to lose weight, get fit, increase your strength or change your risk for heart disease you are going to need to work your body much harder than simply going for a leisurely stroll.

If it were that easy why is the world now facing an epidemic of overweight and obese people, sky rocketing levels of heart disease, cancer, diabetes and other life threatening illnesses and conditions labeled lifestyle diseases? One of the greatest global health threats of the modern age is our sedentary and inactive lifestyles.

People who have health disorders which can be treated with physical activity should not be mislead into believing the “walking is all it takes for a good health” myth. This myth has given many a false sense that a stroll through the neighborhood is all you need to stay strong, fit and healthy. Instead of pushing people to become more active, it has merely provided an excuse to do as little as possible.

The other misleading type of information is to just “do something you enjoy”. What has fun got to do with an exercise program? Getting up at 5 o’clock in the morning to exercise before work is not any fun at all. Sometimes it is dark, cold and wet and it takes commitment and discipline to roll out of bed when it would be so much easier and nicer to stay in bed. Absolutely no fun there!

Well, here’s the truth that no one else in the health and fitness business wants to tell you: change is tough and getting fit takes hard work. In the fitness arena, that might mean better health, higher levels of cardiovascular fitness, increased strength, decreased body fat or decreased risk of disease or illness.

Perfect Auto Insurance

While you are having a bad credit history, it does not at all make you a bad driver; however, it will be useful in raising your auto insurance rates. Following are some of the means via which you can obtain cheap auto insurance rates even when you are having a bad credit history.

Bad Credit Auto Insurance:

It may be sounding strange but it certainly is helpful in affecting your auto insurance ratings with most of the companies. It has been stated by the Auto insurance companies that all those people who have bad credit file around 40 percent of the claims when compared with people with good credit. If you have a bad credit history then you should be aware of this that the insurance coverage that you are going to get is going to be 30%-50% costly as when compared to someone with good credit history.

The good news is that not all the companies require credit history and some of the states even do not permit the insurance companies to use this particular history. Thus, if you are declared a person with bad credit then you should be opting for insurance quotes from such companies that do not require credit history.

There are numerous web portals that are offering auto insurance rates from such companies that are rates as A grade companies. You can get professional assistance and opt for any kind of insurance policy that suits your requirements.

Lowering Your Auto Insurance Rates:

Following are some of the means via which you can lower down your insurance rates:

• Increasing your deductibles: increasing your deductible will be helpful in saving you with hundreds of dollars annually which you pay in your insurance premium. You will be figuring out that the money you saved on insurance premium will be more than your deductibles.

• Dropping down the collision and comprehensive insurance coverage: you need to consider if you really require having collision and comprehensive insurance coverage and if not then you can drop it as it may happen that the repairs are costing you too much then the actual worth.

• Merge the insurance policies: you can get discounts on different insurance policies if you are getting them from one company.

• Getting Discounts: all the insurance companies offer discounts on different policies. You can consult your agents and if you are eligible for them then go and get benefited.