Jika Niatnya Hanya Berteman Maka Bertemanlah Tanpa Memancing Perasaan

Dear Lelaki, Tidak ada yang melarangmu berteman dengan siapapun, hanya saja kamu tidak boleh melupakan rambu-rambu yang telah Allah tetapkan kepadamu sebagai seorang wanita dan lelaki.

Bertemanlah sewajarnya saja, dan jika memang niatmu hanya berteman maka bertemanlah tanpa memancing perasaan dan memicu terjaidnya fitnah.

Bertemanlah Tanpa Mengucapkan Kata-kata Manis dan Perhatian yang Berlebihan

rizapahlevi.com

Bertemanlah kamu dengan niat yang baik, bagaimana selayaknya teman dalam konteks islam, yaitu mengajak kebaikan dan saling menyerukan kebaikan.

Jangan mencari kesempatan dalam kesempitan, bertemanlah dengan tanpa mengucapkan kata-kata manis dan perhatian  yang berlebihan.

Sebab tidak sedikit awalnya cuma berteman, tapi kadang lupa cara yang benar harus seperti apa, hingga terciptalah rasa tak wajar yang berujung fitnah.

Bersikaplah Sewajarnya Sebagai Teman, Tidak Usah Sibuk-sibuk Intens Berinteraksi

rizapahlevi.com

Maka untukmu yang kini sedang menjalin pertemanan dengan lawan jenis, hindari membual yang tak penting yang sekiranya hanya akan membuatnya patah hati diakhir nanti.

Tidak usah berbicara lebay dengan terus memuji kebaikan yang ada dalam dirinya, sebab hati wanita ini tidaklah sama dengan lelaki.

Dia lebih rapuh, maka bersikaplah sewajarnya sebagai teman, tidak usah sibuk-sibuk intens berinteraksi bila tidak ada perlunya.

Tidak Usah Lebay Memberi Perhatian Lebih, Jika Akhirnya Kamu Hanya Akan Membuatnya Berharap Lebih

rizapahlevi.com

Meski benar kamu berteman, tetaplah jaga jarak dengan bijaksana. Tidak perlu lebay menyapanya dengan perhatian lebih, jika akhirnya kamu hanya akan membuatnya berharap lebih.

Pahamilah, dia memiliki hati yang lembut, bisa jadi sikap dan perilaku yang kamu anggap biasa akan menjadi tidak biasa kepadanya.

Jangan Membuat Suara Hatinya Gaduh Dengan Sapaan Lebay dan Perhatian Manis yang Tak Memiliki Arti

instagram.com/asmanadia

Maka lebih jelasnya, jangan membuat suara hatinya gaduh dan merindu tidak jelas dengan sapaan lebay seperti “selamat pagi dan selamat tidur”, karena kadang perhatian kecil seperti inilah yang memicu benih tak wajar dalam hati.

Stop berkata yang memancing agar dia balik perhatian kepadamu, jika tidak maka kamu akan di katakan “jahat” bila ternyata dia menganggapmu telah PHP.

Jangan Mengundang Rasa Nyaman Itu Hadir ke Dalam Hati, Jika Memang Benar Niatmu Hanya Ingin Berteman

instagram.com/giring

Lantas seakrab apapun kamu menjalin pertemanan dengan wanita, hindari dari bercakap-cakap yang akhirnya menjadikan dia ketergantungan rasa nyaman terhadapmu.

Bersikaplah biasa, berperilakulah baik sewajarnya saja,jika memang benar niatmu hanya berteman, agar tak memicu rasa nyaman yang tidak wajar dalam hatinya,

sumber

cccccccc

Cerita Pilot Batik Air yang Lepas Landas saat Gempa Palu dan Rekam Tsunami dari Balik Kokpit

insure
insurance agent
general insurance
car insurance australia
life insurance
allstate insurance
texas auto insurance
the personal insurance
insurance agents
car insurance quotes
travelers car insurance
cheap auto insurance
progressive auto insurance
cheap car insurance uk
online auto insurance
insurance quotes online
liability insurance
nj auto insurance
property insurance
auto insurance michigan
car insurance nj
home insurance
best insurance companies
best insurance
insurance quotes
term insurance
car insurance california
compare insurance
insurance
insurance auto auction
car insurance uk
cheap car insurance quotes
car insurance calculator
insurance company
car insurance companies
health insurance
motorcycle insurance
cheap insurance
car insurance quotes online
insurence
car insurance online
cheap car insurance
best car insurance
auto insurance
buy car insurance online
commercial vehicle insurance
online motor insurance quotes
car insurance quotation online
affordable car insurance
car insurance estimator
car insurance texas
buy insurance
online insurance
truck insurance
free online auto insurance quotes
car insurance qoute
car insr
one day car insurance
company auto insurance
indemnity insurance
business insurance
aaa auto insurance
auto car insurance
homeowners insurance
house insurance

TRIBUNNEWS.COM - Beredar video dan kisah seorang pilot Batik Air yang lepas landas saat terjadi gempa yang mengguncang Sulawesi Tengah pada Jumat (28/9/2018) di media sosial.

Kisah tersebut dibagikan sang pilot di akun Instagram pribadinya, @icoze_ricochet.

Tak hanya membagikan kisahnya, pilot Batik Air ini juga mengunggah video detik-detik tsunami menerjang pantai.

Melalui keterangan videonya, pilot Batik Air menjelaskan bahwa pesawat dengan nomor ID 6231 dijadwalkan akan terbang dari Bandara Mutiara, Palu pada pukul 17.55 WITA.

Namun ia sudah bersiap menerbangkannya pada pukul 17.52 WITA karena mendapatkan suatu firasat untuk berangkat lebih awal dari jadwal.

Pada pukul 18.02 WIB, pesawat sudah benar-benar lepas landas dan ia juga merasakan ada sesuatu yang tidak beres dan ternyata saat itu gempa dan tsunami Palu sedang terjadi.

"Batik Air ID 6231 scheduled to depart at 17.55, door closed at 17.52 then pushed back.

18.02 after cleared for take off, tower building collapsed.

We were just rolling on the runway.

I felt something wrong on the runway during take off roll. 18.02 earthquake 7.4-7.7 magnitude on scale rocks Palu.

Thank God there is a voice (Holy Spirit i believe) telling me to depart early.

I’m rushing the boarding process.

Late by 30 second i would not have flown.

Thank You Jesus. I took this video just after airborne on 1500ft climbing. Strange wave-Tsunami." tulisnya dalam keterangan video unggahannya.

(Batik Air ID 6231 dijadwalkan berangkat pada pukul 17.55, pintu sudah ditutup pada pukul 17.52.

18.02 setelah lepas landa, gedung menara runtuh. Kami baru saja bergulir dari landasan dan merasakan ada sesuatu yang salah di landasan saat take off.

18.02 gempa bermagnitudo 7.4-7.7 menghantam Palu. Puji Tuhan saya mendengar sebuah suara (yang saya percaya itu Roh Kudus) mengatakan kepada saya untuk lepas landas lebih awal. Saya bergegas melakukan proses boarding.

Terlambat 30 detik saja saya tidak akan bisa terbang. Terima kasih Yesus.

Saya mengabadikan video ini tepat setelah terbang di ketinggian 1500 kaki. Gelombang tsunami yang aneh)

Dilansir Tribunnews.com dari Kompas.com pada Sabtu (29/9/2018), momen dramatis ini dialami oleh Kapten Ricosetta Mafella, pilot penerbangan Batik Air ID6231.

Diketahui, pesawat Airbus A320 yang diawakinya lepas landas saat gempa bumi sedang mengguncang Palu pada Jumat (28/9/2018).

Kapten Fella menceritakna bahwa hari itu adalah hari terakhirnya terbang di Batik Air karena lusa ia sudah akan kembali ke Lion Air.

Diketahui, Batik Air dan Lion Air tergabung dalam Lion Group.

Pada saat akan lepas landas, Kapten Fella meminta quick handling, sesuatu yang tidak biasa ia minta kepada ground handling.

"Entah kenapa kayak diingetin harus buru-buru terbang," ungkapnya.

Diketahui, Batik Air ID6231 melayani rute Palu-Makassar, saat mendapatkan izin take off, pesawat mulai rolling di runway dan Kapten Fella merasakan pesawat bergerak ke kanan dan kiri, getaran terasa mendatar dan bukan vertikal.

Saat itu, Kapten Fella belum menyadari apa yang terjadi saat rolling untuk take off itu adalah gempa bumi yang sedang melanda di Bandara Mutiara, Palu.

"Tetapi karena di cockpit fokus untuk airborne phase, jadi tetap dilaksanakan karena gak mengganggu," tulisnya.

Pada awalnya, ia mengira goyangan itu disebabkan oleh permukaan runway yang bergelombang.

Setelah mengudara, awak Batik Air ID6231 pun menghubungi tower ATC sesuai prosedur yang berlaku.

Saat itu, sudah tidak ada jawaban dari tower ATC, dilakukan beberapa kali tapi tetap tidak ada jawaban.

Hal itu rupanya karena tower ATC Bandara Mutiara sudah robot akibat guncangan gempa dan masih belum disadari awak Batik Air ID6231.

Saat pesawat mencapai ketinggian antara 2000-3000 kaki dan checklist setelah takeoff selesai dilakukan, Kapten Fella melihat gelombang-gelombang aneh di pesisir pantai Palu.

"Tahu ada gempa setelah ada info di radio," tulis Kapten Fella.

Akhirnya, semua kru penerbangan diberi tahu kalau mereka adalah pesawat terakhir yang terbang dari Palu, persis saat gempa terjadi.

(Tribunnews.com/Natalia Bulan R P)

Auto insurance is an insurance policy bought by the auto owner to safe guard his/her vehicle against theft, accident and any other loss incurred. You can buy auto insurance for any of your auto mobile such as car, truck or bus...


Auto insurance not only covers insured vehicle and insured party, but some times it covers third parties also. Different auto insurance policies have different terms, norms and conditions under which, these items are covered.

Today large numbers of auto insurance policies are available in the market and it is really very difficult task to purchase the best auto insurance for the safeguard of your vehicle.

Here are some tips, which can be used to find the best auto insurance for your black boomer.

1. To locate best auto insurance, you are requested to make a search on your own. First of all go to local auto insurance providers. Compare auto insurance quotes provided by them. Most of auto insurance providers have their websites, you can go there and request for car insurance quotes online, if you own a car. Compare their quotes and find best auto insurance for your vehicle. Always remember that bargaining is the key to buy cheap auto insurance.

2. After comparing auto insurance quotes apply for the best one for you and your vehicle. While applying given them details as much as you can such as your name, address, zip code, your marital status, car’s annual commuting miles and safety features because as default they can offer you high quotes without any specific benefits. Hence, to buy a cheap and best auto insurance always give full details about you and your vehicle.

3. Sometimes insurance companies provide specific offers. Thus always look for offers, as they can deduct your premium from $200 to $400.

4. Before signing your application form read each and every point of fine printArticle Search, as they can protect your right.

With keeping these simple tips in mind you can find best auto insurance policy.

cccccccc

Tak Mau Ada Korban Lagi, Ibu ini Bagikan Kisah Haru Anaknya Terbaring Lemah

life cover
insure
insurance agent
general insurance
public liability insurance
sbi life insurance
life insurance
what is life insurance
reliance life insurance
life insurance policy
term life insurance
pacific life insurance
whole life insurance
state farm insurance
allstate insurance
medical insurance
best life insurance
health insurance california
life insurance corporation
health insurance texas
cheap health insurance
group health insurance
health insurance coverage
small business health insurance
business health insurance
compare health insurance
the personal insurance
travel health insurance
health insurance companies
best health insurance
insurance agents
car insurance quotes
health insurance quotes
aetna health insurance
individual health insurance
private health insurance
health insurance agent
insurance premium
landlord insurance
cheap auto insurance
best life insurance companies
online auto insurance
insurance quotes online
liability insurance
life insurance australia
income protection insurance
property insurance
product liability insurance
mortgage insurance
healthcare insurance
cigna health insurance
home insurance
best insurance
insurance quotes
term insurance
compare insurance
insurance
american insurance
car insurance uk
dental insurance

The primary purpose for getting life insurance will always be to protect the people you care about in case something were to happen to you. How much capital would you need in order to pay off debts, support your loved ones, or to take care of all your affairs?

After you understand what priorities you would like to protect through life insurance it is fairly easy to determine the correct amount of coverage.

What Type Of Life Insurance

The next question is what type of coverage will best serve your needs. In order to get the right amount of coverage you also have to make sure that the premiums fit comfortably into your budget.

Term Insurance Benefits

Term insurance is less expensive than whole life insurance, because you are renting the insurance. Your coverage is considered pure insurance in this case, because it doesn't develop cash value or participate in company dividends.

Instead it allows you to get the right amount of protection for the least expensive premiums available. Term insurance has also developed over the years to offer more comprehensive options. You can get a return-of-premiums policy where you pay more during the life of the policy, but the insurance company refunds all of your premiums at the end of the fixed term.

There are also term policies that allow you to lock in your age and health for the remainder of your life, so that you can have the coverage and premiums locked in for the rest of your life. This is a great and inexpensive way to obtain permanent insurance.

How Long Should You Lock In Your Premiums

The longer you can lock in your premiums the more advantageous it will be in the long run. The insurance company takes into consideration the mortality risk during the level period of the term. If you are 35 and you get a level 20-term policy then the rates will be fixed until you are 55. And because you are locking in the premiums at a younger age, the average risk and rates will be less than if you were to lock in your premiums at 55.

Most people have an insurance need that will last throughout the rest of their lives. If you can permanently lock in a portion of your insurance at a younger age this can save you substantially on premiums. It happens quite often where people will have to apply for new coverage after the fixed rates on their current policy have expired, and because they are now older and have to pay much more in premiums.

Your health is also locked in when you first take the policy out. Many people looking for insurance in their fifties or sixties are dealing with some type of medical condition that makes the cost of life insurance double or triple in cost. The same logic that applies to locking in your age is also good to keep in mind when locking in your health. We don't know what is going to happen to us, and if we have our insurance locked in then our insurability and premiums will be unaffected by a medical event.

Level Term Insurance

I always recommend getting a level-term policy as opposed to one that will start off lower and increase premiums each and every year. The level term policies allow you to lock in your age and health for the remainder of the term, whereas the increasing-premium policies become more expensive every year based on your new age.

Because term insurance is a less expensive way to get the right amount of protection, I believe that it is the right choice for a large majority of people looking at life insurance.

Cash Value Life Insurance: When To Consider It

First A Word Of Caution About How The Life Insurance Industry Operates

An agent who pushes one company above the others is doing his or her clients a disservice. Every company has its positives and negatives and each company has focused on certain demographics to try to create a competitive edge. There are 17 life insurance companies in the fortune 500 alone. These companies have very similar investment portfolios and conduct business in ways that are more common than not. Eight of these companies are mutual, nine are stock companies, and they all operate in order to make a profit. The most important thing that anybody can do is to have an agent who can help them shop the market for the company that is going to fit their needs best. Somebody that is a smoker with high blood pressure is going to have better options outside of the companies that target nonsmokers without health conditions. Finding the least expensive company on the market for your age and health can save you thousands of dollars.

I used to work for an insurance agency where we only sold a single triple-A-rated-insurance company. When I worked for this agency, my fellow agents and I were especially inculcated with the benefits of this company's whole life insurance. This situation is not unique.

Captive agencies have managers that groom agents to push one company because they get paid commissions when their agents sell these products. Please don't assume that life insurance agents are experts on the benefits of different companies and types of insurance plans, because many of them are unaware of the benefits beyond their own company. Instead of consulting their clients and shopping the market they push a single product that doesn't always match up well. There are far too many people being given advice from agents to consider whole life insurance, because they are trained to present the same products to every client.

When You Are Considering An Insurance Company It Will Always Be Advantageous For Some People And Ill Advised For Others

If you sit down with an agent who goes over a list of benefits about a single insurance company, keep in mind that most benefits are really trade-offs. For instance, if a company is a triple-A rated insurance company than they are probably also more conservative with whom they insure. A triple-A rating is great, but it is really only necessary if you plan on participating in the companies dividends, or in other words buying their whole life insurance. There is no need to pay extra money for the privilege of having a triple-A rated company as many agents insist. A.M. Best considers a company with an A-rating to be in excellent financial health and there are many A-rated companies with less expensive insurance offers if you are not planning on participating in whole life.

When Whole Life Insurance is a Good Idea

For some people, whole life insurance can be a great complement to their financial security. I have sold whole life insurance based on the following benefits.
1) It has a guaranteed return that will consistently build up the cash value in the policy.
2) It gives policyholders permanent insurance so that they are insured throughout their lifetime.
3) It allows them to stop paying premiums after a certain number of years, because the dividends from the company will be enough to keep the policy in force.
4) It allows policyholders to take cash from the policy in the form of a loan, so that you have another option if liquidity is needed.
5) The growth of the policy is tax deferred and tax-free as long as long as the policy is kept in force.

The problem can be that many of these benefits point to life insurance as an asset or investment. Life insurance should always be considered for the death benefit first and foremost. If you have already maxed out both your Roth Ira and 401(k), have at least three months of expenses in accessible savings, and are looking for something else to build up savings then whole-life insurance can be a good option. The point is that whole life insurance is a good choice when you have the ability to max out your qualified retirement funds and are looking to complement your savings with a conservative tie in to your life insurance.

Whole life can be a mistake for a couple of reasons

There are risks when putting your money into whole life insurance. The risks aren't always clearly explained, because the agents focus on the guaranteed dividends that will grow the cash value every year. However, one significant risk is buying into whole-life insurance, paying the premiums for a number of years, and then not being able to keep up with the premiums down the road. Life insurance companies bank on this happening to a certain percentage of policyholders.
If this occurs you are in danger of losing thousands of dollars in paid premiums without the benefit of accumulating any cash value. When a policy lapses or you can't keep up with whole life premiums then the insurance company will retain your premiums without you having any cash value built up or any insurance in force.
These whole life polices are structured to have large front end expenses and it will take at least a couple of years before your premiums start to build up cash value. It takes about ten years before the amount of premiums you put into the policy will equal the cash value in the policy.

How Cash Value In Whole Life Insurance Works

The other risk with whole life insurance is not understanding how the cash value in the policy works and taking out too much of it. The cash value in the policy is liquid, but the insurance company will let you take out about 97% of it in order to protect against the policy lapsing. Any cash that is taken out of the policy is loaned from the policy at interest.

Lets assume that you are in the first 20 years of your whole life policy and are taking a loan from the cash value in the policy. The loaned interest rate is 8.0 %, the non-loaned dividend interest rate is 6.85%, and the loaned-dividend interest is rate is 7.9 %. Notice that the insurance company steps up the interest rate on the loaned amount or the amount borrowed from your cash value. This mitigates the cost of the loan, but the loan still creates an ongoing obligation to pay interest. For instance the cost of borrowing here would be 6.95 %.

(The loaned interest rate (8.0 %) + (the non-loaned dividend interest rate (6.85%) - the loaned-dividend interest rate (7.9%)) = cost of borrowing (6.95%).

The cash value in the policy is really a double-edged sword, because it leads to a significant risk that you will not be able to keep up with the premiums. It is practically intended for people who can repay the loan quickly so that the policy continues to develop dividends instead of an obligation to pay interest. It is great for people who aren't ever tempted to borrow from the policy, because the dividends will compound and eventually be able to cover the cost of annual premiums. When this occurs the risk of lapsing will be negligible. However, this takes quite some time to achieve and it truly depends on how disciplined you can afford to be with the additional cost of these premiums. If you would rather have control of your money up front there is an argument that you can buy term and invest the rest instead of leveraging the insurance companies general fund.

Your Personality Profile And Budget Must Be In Line

I recommend taking a look at both your budget and how much control you want over your money for at least the next ten years if you are considering whole life. Because term insurance can now permanently lock in your age and health in the same manner as whole life insurance, the biggest question is whether or not you want control over investing the difference in premiums. Many people prefer whole life insurance because they don't have to think about investing the difference; the insurance company does it for them. They can also grow their death benefit by the amount of growth in cash value and act as their own creditor if they ever want to borrow cash from the policy.

A Couple Other Points About Whole Life Insurance

The cash value component in a whole life insurance policy needs to be addressed. The first is that cash value is based on compounding dividends. So the longer you keep the paying premiums the more advantageous it is. The second is that if you go with a reliable insurance company they will usually pay non-guaranteed dividends that are based on the results of an insurance companies investments. This is when rating is important to consider, because you are now participating in these dividends. Also if you have allowed the cash value to grow and take out modest loans from the policy later in life, you will most likely have enough in dividends to keep pace beyond the ongoing obligation of interest. However if you do surrender the policy the gains will be taxed as capital gains and you will have to pay a surrender charge as well. If the policy is in force and you pass away while there are still outstanding loans, the death benefit will be paid out after it covers the cost of the loans that you have taken from the policy.

Term Insurance Vs. Whole Life

I believe the most important factor in all of this is the human element. If you are patient, conservative, and comfortably able to continue paying premiums without the temptation to borrow from the cash-value then you are a good candidate for whole life insurance. The majority of people have fluctuating budgets and circumstances where they are better off with something that locks in their age and health and gives them the opportunity to invest the difference elsewhere.

If you are looking to find the right type of insurance look no further. I am a licensed agent, business owner, and financial author and my goal is to consult people on the best options available in the life insurance market. I am licensed in over ten states and have helped thousands of people find a policy based on their priorities and saving them money. To get a free online quote go to:

[http://www.cheapinsurancedirectory.com/]

Or if you would like to speak to me and have me personally shop the market for the guaranteed-cheapest insurance available call 1-888-611-2688. I will talk to you about your priorities and give you a FREE-NO-OBLIGATION REPORT on the least expensive insurance for your age, health, and circumstances. If you are satisfied with report's results the process of insuring your family can all be done online or over the phone to save you time as well. Please call me now at 1-888-611-2688 and I will work to save you thousands of dollars on your life insurance!



Article Source: http://EzineArticles.com/7165008

cccccccc

Hanya Butuh 1 Menit, Lakukan Gerakan Mudah Ini di Rumah, Manfaatnya Bisa Mengecilkan Perut Buncit yang Menggelambir!

life cover
insure
insurance agent
general insurance
public liability insurance
sbi life insurance
life insurance
what is life insurance
reliance life insurance
life insurance policy
term life insurance
pacific life insurance
whole life insurance
state farm insurance
allstate insurance
medical insurance
best life insurance
health insurance california
life insurance corporation
health insurance texas
cheap health insurance
group health insurance
health insurance coverage
small business health insurance
business health insurance
compare health insurance
the personal insurance
travel health insurance
health insurance companies
best health insurance
insurance agents
car insurance quotes
health insurance quotes
aetna health insurance
individual health insurance
private health insurance
health insurance agent
insurance premium
landlord insurance
cheap auto insurance
best life insurance companies
online auto insurance
insurance quotes online
liability insurance
life insurance australia
income protection insurance
property insurance
product liability insurance
mortgage insurance
healthcare insurance
cigna health insurance
home insurance
best insurance
insurance quotes
term insurance
compare insurance
insurance
american insurance
car insurance uk
dental insurance

Are you considering or being pressured to buy life insurance? Join the crowd. Life insurance is one of the most ubiquitous financial products to ever be sold. While life insurance can be a valuable tool in any financial plan, knowing if you even need it -- along with the right amount and type to buy -- can be challenging. There are questions such as: How do I know if I need life insurance? If so, how much life insurance do I need? What type of policy should I buy? How do I know if I am getting the best value and price for the life insurance I buy?

Purchasing life insurance is often tedious, intimidating and complicated, but it does not have to be that way. The insurance companies may offer multiple confusing policies and throw around a lot of jargon that sounds like a foreign language, but in reality, the concepts are simple. Once you understand the true basics of life insurance, your decision can be straightforward and result in the best buy for you.

What you should know about life insurance:

The purpose of life insurance (and, really, its only value) is to offset the economic cost of dying. If you have a spouse or young children who would be faced with financial hardship in the event of your death, life insurance proceeds can solve that problem. If you are a key person or partner in a business, life insurance can help to stabilize the business in the event of your death.


If insurance companies try to convince you that a life insurance policy is anything other than a way to replace your income or long-term economic value to a family or business in the event of your death, they are doing so for their benefit, not yours. Life insurance is not an investment -- it is not a way to make money or an effective tax hedge.

There is an uncomplicated way to decide if you even need life insurance. Ask yourself: If I die, will anyone I care about suffer an economic adversity that I want to prevent? If the answer is no, then you don’t need life insurance. If, however, you want to protect others from the potential economic cost of your death, the right type of life insurance is the best way to accomplish that objective.
If you need life insurance, what type should you buy?

Life insurance companies have more confusing policy options than a Chinese restaurant. But when it comes down to it, all insurance companies pine to sell you some form of what they call “whole life” or “permanent insurance.” (Both are subtle marketing terms used to suggest you should buy and keep paying premiums on the policy for your whole life.) This type of policy has been the backbone, best selling and most profitable product of the life insurance industry for years. So-called “whole life” may have been a reasonable option in the 20th century when the consumer had few other financial options, but that is not the case today.

The supposed benefit for the buyer of whole life is that premiums will never rise and, over time, a certain amount of “cash value” will accumulate in the policy. The truth is that whole life is more like an annuity for insurance companies than a benefit for policyholders. What makes the product so profitable for the insurance company is that, when the insured is young (and least likely to die), the premium charged is hundreds of times higher than the actual cost to provide the promised death benefit. The insurance company invests the excess premium and keeps the profits for itself. Insurance companies know that, by the time the insured ages and is more likely to die, over 97% of the policies will have been canceled with no death benefit paid. That is a good deal, if you are an insurance company but not so good for someone who pays inflated premiums for years and turns out not to need the insurance.

If you do need life insurance, the best way to meet that need is to buy it on a temporary basis for a specific term. For example, your children are not going to be young forever, so why buy life insurance that will last forever? The fact is that your needs will change over time, so you should own insurance that could change as well.

Thus, the most efficient approach to buying life insurance is on a temporary (term) basis. These could be for periods of 5 or 10 years each. These policies only pay a death benefit, but they are significantly less expensive. The policies can be guaranteed to be renewed (no matter how your health may change) at the end of each period (with slightly increased premiums) until you are well into your 80s. This approach -- at less cost -- allows you to review your life insurance needs at the end of each period and decide if you still need the same amount of coverage.

How To Buy Life Insurance (If You Need It)

Life insurance has become much like a commodity, so you should buy it like a commodity. That is, all policies offered by all companies -- especially the renewable, temporary type -- are essentially identical, so it is best to shop around, compare premiums and buy the cheapest one.

That does not mean you have to take the time to talk with 5 or 10 different companies in order to shop. There any number of websites that have relationships with numerous companies, and these sites can provide a spreadsheet of multiple companies offering totally identical policies. This will allow you to easily compare premiums -- which, surprisingly, will be different. It’s a little like shopping online for the cheapest ticket offered by airlines all going to the same place.

In the end, life insurance can be a simple and survivable process. The key is to make sure that you are in charge -- not the insurance company.

cccccccc

Gadis Cilik ini Terkena Usus Buntu, Tak Disangka Gara-Gara Gemar Konsumsi Jajanan yang Lagi Hits ini

insure
insurance agent
general insurance
car insurance australia
life insurance
allstate insurance
texas auto insurance
the personal insurance
insurance agents
car insurance quotes
travelers car insurance
cheap auto insurance
progressive auto insurance
cheap car insurance uk
online auto insurance
insurance quotes online
liability insurance
nj auto insurance
property insurance
auto insurance michigan
car insurance nj
home insurance
best insurance companies
best insurance
insurance quotes
term insurance
car insurance california
compare insurance
insurance
insurance auto auction
car insurance uk
cheap car insurance quotes
car insurance calculator
insurance company
car insurance companies
health insurance
motorcycle insurance
cheap insurance
car insurance quotes online
insurence
car insurance online
cheap car insurance
best car insurance
auto insurance
buy car insurance online
commercial vehicle insurance
online motor insurance quotes
car insurance quotation online
affordable car insurance
car insurance estimator

Many people think that investing inside a life insurance cover is really a big burden. This info is especially to the confident people. Statistics suggest that certain in four breadwinners inside the UK doesn‘t possess a life insurance. This really is an alarming ratio like the families could be left to reside a financially unstable life in case from the breadwinner’s death. Which means almost one fourth of British families live under the chance of facing a fiscal crisis. Like a solution, the support from NHS or any other government schemes could possibly be taken. However, all government support might not be enough to the education of kids, rentals, medication for critical illness or any other basic facilities.

Find here many of the myths related to purchasing a life insurance policy :

Life insurance is to the man !

A survey means that 45% of British men and 38% women are insured for any life cover. Again, both the percentages are very low. Moreover, its general psyche that women who don‘t earn don‘t have the pressing need in an insurance. It was eventually observed by Cancer Research that greater than 130 women die daily because of breast cancer. With such an increasing number of girls health issues, women Shouldn‘t keep themselves with no life insurance cover. Again 1 in 3 people is prone to suffer from critical illness. This manner, life insurance cover is vital for both men and ladies. Ignoring a life insurance cover could prove fatal as your loved ones could be playing many financial burdens.

Contents insurance is enough !

Contents insurance is enough ! This really is another misconception. While we calculate our car, house, laptops along with other accessories insured, we tend require granted the foremost important section of the family i. e. its members. Losing a household member particularly if one would be a breadwinner may create a sudden financial crux. Your family members should manage for money required to the daily needs. Thus, even though you have contents insurance It‘s always important and urgent to purchase yourself a life insurance cover. You never know the longer term but could certainly prepare yourself to the worse.

Mortgage cover would do !

Mortgage is really a common thing inside the UK. People that possess a mortgage also needs to opt for a life cover to ensure that just in case of the accidental death, the insurer would pay leftover mortgage amount. The reality don‘t point to any such awareness inside the Brits. Consistent with statistics, nearly 50% of individuals possess a mortgage with no associated life cover. These facts and figures bring out the significance of life insurance. Whether it is an existing mortgage, a critical illness or death, a life cover helps the beneficiaries to manage the economic situation easily and comfortably. The lump sum amount received from insurer works well for paying to the funeral cost, mortgage, debts or any other family expenses.

Reasons for any life insurance cover :

To aid you just in case of the critical illness

To aid the family in case from the breadwinner’s death

To manage funeral along with other expenses

For financial support towards the family inside the future

For paying educational expenses from the kids

For mortgage payments

Who needs life insurance cover?

Anybody who has got dependents

Married people

Newly married couples

Parents with a brand new born child

Every family that plans to the future

A retiree having a dependent partner

If have the ear of a mortgage

Types of life insurance covers :

There will be several types of life insurance policies inside the UK. With respect to the age, health and occupation, the life covers are categorised straight into the following types :

Term insurance : This cover gives your daily life assurance for any pre-decided and specified interval of your time. When the policyholder dies within this point frame probably the beneficiaries would obtain a lump sum amount. Otherwise, the policy will lapse.

Group life cover : It‘s provided included in an entire employee benefit package. This cover is for those who die while they‘re dealing with the employer. It isn‘t required the death should have happened throughout the work hours or inside the office premises.

Critical illness cover : This life insurance cover is bought if a person has a specific medical condition. In case you die because of other disease or ailment probably the policy would lapse.

Over-50 plans : Specially designed for those who have crossed the 50 year mark, this cover pays money that can be utilized for various financial needs from the beneficiaries. Like the policy is taken after 50, one can get higher premiums.

Whole of life plan : Provides you cover for entire life. It is the greatest cover to satisfy your debts or could be left to some beloved whenever you die.

Reasons why people don‘t buy life insurance cover :

Insufficient awareness : If you feel that a particular illness or cancer cannot happen for you then you‘re living inside an illusion. By having an increasing risk of sickness and critical ailments, one cannot afford to believe that ‘this won’t happen to me’. This really is insufficient awareness and this type of biased optimism may come out to become fatal. A life cover works well for everybody and it is much needed by healthy individuals with dependents.

Too costly : The premiums would feel nothing when compared with the price of your daily life and the quantity of damage your death can cause to your loved ones. A little monthly investment as premium would give lump sum amount just in case from the policyholder’s death. The return on investment is much higher as much as life cover is bothered. So, there isn‘t any point thinking that it must be costly.

Government support is enough : Many people think that NHS along with other government schemes could be sufficient to facilitate the dependents. Well, please seek advice from the family and friends of people that have lost a beloved and that are living upon the Government’s support. You‘ll quickly realise that it help Isn‘t enough for all of the financial expenses from the family. In case your partner is affected by critical illness probably the NHS service might not be enough and thus, a private insurance is really a must.

Better save than insure : A couple of us possess a mind-set of savings. With their opinion a decent level of saving can replace a life insurance cover. Savings might not be the very best idea because it takes a longer time for them to accumulate an enormous chunk of cash. Forever insurance covers, we should pay monthly or yearly premiums but the entire amount received in return is much above the premiums paid. This manner, insurance gives a lot more return of investment than savings.

Considering the professionals and cons, a life insurance cover seems a lot more reliable than other method of ensuring the wellbeing from the dependents and family members. When you have not insured yourself yet then It‘s high time to obtain yourself insured to ensure that your demise might not prove fatal to the family. Therefore, don‘t ignore purchasing a life insurance cover as it may be the very best help towards the family in case of your respective permanent absence. Is not it?

cccccccc