Term Life Insurance Vs. Whole Life

Technorati Tags: instant life insurance quote, life insurance rate quote, term life insurance no exam, term life insurance quote online, term life insurance vs

Life Insurance question….need advice!?

Hi, I was at a family gathering and ended up talking to a cousin, who sells Insurance. I mentioned looking into getting a whole life policy and maybe throwing some business her way. She told me to give her a call when I was ready. After the party it suddenly dawned on me that life insurance applications get very personal, and you usually have to divulge your medical history. I have had multiple surgeries in the past 10 years. My relatives, her included, tend to talk a lot and I don’t want her knowing my medical background. Although she told me to call her when I was ready, she’s already CALLED ME asking for personal info to get me rate quotes. How can I get out of this, without hurting her feelings?

Just explain to your cousin you’ve decided not to buy any life insurance at this time. Tell her it’s a personal decision and you really don’t want to get into a discussion about it. Thank her for her interest and let it end at that.

Is wells fargo mortgage payment protection a rip off?

We have a mortgage loan with Wells Fargo and they sent us a mortgage payment protection rate quote of $33 per month which is "secure 12 Mortgage Payment protection" through Minnesota Life Insurance with benefits up to "4000.00 a month benefit".

Knowing that there are alot of scam warranty protections out there for home appliances as an addition to your already home insurance policy, is this a scam also?

I think it’s a bad deal, but not a scam.

See, any time a LENDER is offering to "let" you buy insurance, that only pays THEM, well, that’s a bad deal.

If THEY want coverage to make sure THEIR loan gets paid, let them buy it.

If YOU want coverage to make sure that YOUR household bills get paid . . .. you want YOU to be the one getting the money, so you can decide if you’d rather spend it on the mortgage, or on food for your 19 kids.

Never pay to insure someone ELSE. If you’re going to buy it, let YOU choose who gets paid.

does anyone know of a good life insurance quote site?

I need to do a comparison so I can get the best rates.

There is no such thing as a good life insurance quote site. First, all online sites "lowball" premiums, quoting best underwriting classes for which most won’t qualify, and ignoring underwriting issues that will adversely affect the rate. More importantly, life insurance is not a commodity to be purchased by price; it is an intricate financial tool that is worthless unless properly employed. Consult with a properly qualified financial planner or advisor, not an insurance agent.

Picking out life insurance for myself and family — help?

We have all decided that life insurance is a good idea for each person. But because we are all different, we’re having trouble finding a good company. And yes, I know that meeting with an insurance broker is the smart thing to do but before we go ahead and do that we want to do some investigating online first … sales people are always pushy and annoying so until we are 100% ready we don’t want to go that route yet. We’re just "window shopping" so to speak.

Myself:
Age 20
Healthy, Non-smoker
No alcohol

Mom
Age 48
Healthy, recently quit smoking
No alcohol

Her husband
Age 40
Moderate health, smoker
No alcohol

Sister
Age 13
No smoking, No alcohol and Healthy
Born preemie and heart murmur as infant
(It may seem odd to you that we would include her in this but if she passes we want to be sure that we can cover a funeral)

We’d be okay with individual companies. Can someone give us a general idea of a good insurance company in the US with good rates? Or direct us to a website that can generate quotes for companies.

Nope. The insurance company that’s best for your mom, is probably not going to be the one best for you.

Website links you’ll get, pretty much all harvest your personal information to sell it as leads to hundreds of agents.

The reason why you’ll get referred to a broker, is because there’s no one company that’s cheapest for EVERYONE.

So, since you want to research online, do some thinking – heavy thinking – about what the GOAL is, for each of the policies. And read yahoo personal finance about life insurance, and the Dave Ramsey "truth about life insurance" page. If you have a concrete goal set (like paying for sis’s funeral), BEFORE you talk to the broker, then you won’t be easily sold on something you don’t need.

US History need to know for test PLEASE help!?

31. Which groups in the 1920s opposed immigration, feared the Red Scare, and believed white Protestants were better than others?
(Points: 5)
communists and Jews

labor unions and nonwhite Protestants

African Americans and Catholics

nativists and the Ku Klux Klan

32. What resulted in an increase in organized crime and bootleggers, and a ban on the sale of liquor during the 1920s?
(Points: 5)
the Supreme Court decision in Capone v. United States

action by the Women’s Christian Temperance Union

a relaxation in FBI attention in order to focus on communists

passage of the 18th Amendment

33. What was a common element of the Harding, Coolidge, and Hoover administrations?
(Points: 5)
an increase in the size of the federal government

a military buildup to prepare for another world war

an emphasis on big business and corporate power

strong support for the League of Nations

34. What did falling purchasing power, stock speculation, and banking crises lead to?
(Points: 5)
the Great Depression

less government regulation

the downfall of the Democratic Party

overseas investment in the United States

35. What caused the October 1929 stock market crash?
(Points: 5)
falling stocks purchased on credit

bank refusals to provide credit to businesses

government overregulation

investments in banks that failed

36. What was one consequence of the severe drought in the Great Plains during the 1930s?
(Points: 5)
Farmers were forced to plant more corn and less wheat, which was more profitable.

Many farmers left for California.

Farmers developed more effective irrigation methods.

Rains finally came and farms revived.

37. In addition to lost jobs and poverty, what was another effect of the Great Depression on American lives?
(Points: 5)
a drop in marriage and birth rates

an increase in people defaulting on taxes

a decline in the number of radio listeners

a rise in unemployment insurance claims

38. How did Herbert Hoover’s philosophy of government affect the Depression?
(Points: 5)
It allowed the Depression to run its course.

It deepened the Depression because nothing was done to address the causes.

It eased the effects of the Depression because financial institutions knew they could respond freely.

It created a congressional roadblock because Hoover threatened to veto any proposed legislation.

39. What is one way that Franklin Roosevelt maintained a close connection with the American people?
(Points: 5)
by using memorable quotes

through regular fireside chats on the radio

by delivering his State of the Union addresses in different cities across the nation

through weekly newspaper columns

40. What was the name for Franklin Roosevelt’s agenda for solving the problems of the Great Depression?
(Points: 5)
the New Deal

the Government Operating Plan

the Good Deal

the New Agenda

41. Which agency created during Franklin Roosevelt’s administration is still functioning today?
(Points: 5)
Federal Deposit Insurance Corporation (FDIC)

Civilian Conservation Corps (CCC)

Works Progress Administration (WPA)

National Industrial Recovery Administration (NIRA)

42. What were the main goals of Roosevelt’s New Deal legislation?
(Points: 5)
new institutions and buyouts of investments

unemployment insurance and stabilization of the international economy

relief, recovery, and reform

assistance for the poor and recovery for the rich

43. How did the leadership of many European governments change during the 1930s?
(Points: 5)
Leaders paid down debt but incurred deficits.

New leaders asserted the importance of democracy.

Kings regained control in war-torn areas.

Fascist dictators assumed power.

44. What actions taken by some European leaders in the 1930s contributed to the start of World War II?
(Points: 5)
refusing to pay the debts incurred during World War I

raising taxes far beyond people’s ability to pay

torturing and refusing to release World War I prisoners of war

invading other countries to add territory

45. What action indicated that the United States would resume a policy of isolationism during the 1930s?
(Points: 5)
Congress passed five neutrality laws in order to stay out of any conflicts.

The U.S. Coast Guard and Army combined to establish firm border security.

European nations attempted to sign agreements with the United States, but the government refused.

The United States failed to pay

31 -nativists and KKK – didn’t like those people
32-18th amendment – prohibited liquor
33-big business – their policies
34-Drepression…just kind of a duh
35-stocks purchased on credit-pretty much because people had to sell stocks at lower and lower prices, because they didn’t have the money
36-california-great dust bowl, read Grapes of Wrath by Steinbeck
37- no idea, maybe defaulting on taxes?
38-deepened – he didn’t really do anything, thought he’d let "the market do its work". it didnt.
39-fireside chats – like Obama’s youtube addresses today.
40 – new deal
41 – FDIC, you can hear it in the news
42 – relief, recovery, reform – also known as the 3R’s. Relief for the people, recovery economy, and reform so it doesn’t happen again.
43 – Fascists I believe. Like Italy, Germany
44 – don’t know – maybe A or B
45 – neutrality laws – then, they don’t need to get involved in Europe!

Will liberals ever think and look at health care facts?

Or will they continue to listen to what politicians and the media tell them?

"A closer look at that report reveals the Census data include 9.487 million people who are “not a citizen.” Subtracting the 10 million non-Americans, the number of uninsured Americans falls to roughly 37 million."
"Many of the same people pushing the incorrect numbers of uninsured Americans also claim that these people cannot “afford” insurance."
"But according to the same Census report, there are 8.3 million uninsured people who make between $50,000 and $74,999 per year and 8.74 million who make more than $75,000 a year. That’s roughly 17 million people who ought to be able to “afford” health insurance because they make substantially more than the median household income of $46,326."

"So what is the true extent of the uninsured “crisis?” The Kaiser Family Foundation, a liberal non-profit frequently quoted by the media, puts the number of uninsured Americans who do not qualify for current government programs and make less than $50,000 a year between 13.9 million and 8.2 million."

http://www.businessandmedia.org/printer/2007/20070718153509.aspx

According to their findings between 1988 and 2006:

The percentage of obese adults between 40 and 74 (determined by body mass index of 30 or higher) increased from 28% to 36%, reinforcing findings of many studies indicating Americans are getting fatter.
Physical activity 12 times or more per month among people in that age group declined from 53% to 43%.
Smoking rates remained essentially flat, going from 26.9% to 26.1%.
Those people eating five or more fruits and vegetables daily dropped from 42% to 26%.
Moderate alcohol use increased from 40% to 51%. Moderate use was defined as having up to one drink daily for women and two for men.

I keep hearing about our life expectancy compared to other countries. That if our health care was so great, we’d be the healthiest country in the world. It’s very easy to blame "the big bad insurance companies" or the "wealthy doctors," but isn’t the real problem us? Aren’t insurance prices soaring because, not only do we cover all the uninsured ER visits, but the rise in costs to take care of the "smoke, drink, and eat bacon double cheeseburgers" society we live in?

http://www.webmd.com/healthy-aging/news/20090529/healthy-living-still-eludes-americans?src=RSS_PUBLIC

So if you’d like to work on health care, great. If you want to tweak the system so we can help the 10 million or so that are uninsured, great. But can we at least use facts to debate the real issue instead of liberal "scare tactics."
Wow. Great answers, libs. Like Captain Parker. His only response is that I cut and paste from the articles. Hahaha! Great point, Captain. I change my mind on health care now!
Future-
Did you read it? Most of those 37 million make $50,000+ a year, meaning they can afford it but CHOOSE not to have it.

I can already see that you have deduced that this is an incredibly complex problem. The mistake often made here is that more medical procedures equals better health. In America, that might be marginally true, and I agree that obesity is the #1 health problem in the US. I am not in favor of throwing more money at a problem so large and so pervasive that few really understand its true nature. I AM in favor of a detailed and lengthy analysis of just what we are doing wrong, or badly, that other economies aren’t doing.

Meanwhile, we must allow access to medical care for those who need it, and at a cost/price that is affordable to them. One of these problems is the preexisting-conditions clause of private insurance. No matter how much money I make, I can’t get private insurance because I have 4 preexisting conditions. For Americans in the same boat as I, there needs to be serious reform and control of the oligopoly of the insurance industry, and I believe that this move should come first.

The IPCC is hiding ANOTHER ‘mistake’?

How many times does the IPCC have to screw up before they are brought up before the World Court and disbanded??!!

“Global warming: Some errors are more important than others–especially when money is involved”

February 15, 1:11 PM Environmental Policy Examiner Thomas Fuller

The IPCC, through their propaganda arm, Real Climate, has acknowledged a major error in their report. This was the often-repeated prediction that Himalayan glaciers would lose 80% of their mass by 2035.

However, they acknowledged this in 2010, after being first informed of their error in 2004.

The IPCC continued to trumpet this mistake until January of this year, as it was a magnificent piece of propaganda–the majestic glaciers, the poor who depend on the moisture locked within, etc.
Why did they wait 6 years to acknowledge their mistake? Obviously, because it was useful to them.

The IPCC is sitting on another mistake, just as large and just as important. It has been called to their attention, there is no ambiguity–the IPCC is in error–but they cannot acknowledge it yet. Nor has their house organ, with Real Climate repeating the error yesterday and refusing to correct it when the scientist involved called it to their attention.

For years, activists have claimed that global warming would cause more damage, death and injury due to more violent and frequent storms and increased flooding. Because property damages are covered by insurance, it’s fairly easy to measure and in fact property damages have climbed steadily throughout the historical record.

It turns out that property damages have climbed for other reasons, however.

All of the increase is explained by socio-economic factors. People have been building expensive homes along the sea, and increased population has caused settlement of river deltas. Those two factors explain all of the rise in property damages (loss of life due to storms has plummeted dramatically, mostly due to satellite weather forecasting).

Roger Pielke Jr. is a scientist who has studied this extensively, and has published peer-reviewed papers that show it emphatically. His work is supported by countless other papers. There is no controversy, no dispute in the halls of academia. There is no evidence of global warming contributing to a rise in property damage due to floods or hurricanes.

So when the IPCC report in 2007 made the claim that there was a historical record of an increase in property damage due to global warming, this was strange. When they invented a graph that purported to show this, it was stranger. When they took an unpublished paper and lifted a quote from it that seemed to support their position, it was bordering on the bizarre, especially as the published paper contradicted their position. And when they baldly lied about Roger Pielke Jr.’s opinion on the subject, it crossed the border into agit-prop.

Why would the IPCC baldly state a proposition that is contradicted by the entire scientific record?

The answer is financial. ………… the reinsurance industry has been a very vocal backer of the IPCC, and adjusting their actuarial predictions of projected loss claims (and, umm, their rates) in accordance with IPCC publications, while providing very useful private sector backing for the IPCC. If conservative big money institutions like insurance companies are making decisions based on global warming, it must… be… true…

But it isn’t.

One reason why the IPCC might be reluctant to admit error is that the embarrassment would fall on them, but financial impact from wrong estimates would fall on their supporters in the insurance industry.

The IPCC’s poor recent record on climate change reporting has had a devastating effect on carbon traders, who are fleeing the industry in droves because support for Cap and Trade is disappearing in the US and Australia.

The IPCC obviously doesn’t want to be the kiss of corporate death for another sympathetic sector–at least not in the same month.

http://www.examiner.com/x-9111-Environmental-Policy-Examiner~y2010m2d15-Global-warming-Some-errors-are-more-important-than-othersespecially-when-money-is-involved

Dent Arthur…… I tried it again and got right in. You may be having a connection or security problem??

While we’re disbanding the IPCC, perhaps we could do away with the entire UN. Den of spys, thieves and people who don’t pay parking tickets.

Root canal or tooth extraction on bottom left 1st molar?

I’m looking for nice, helpful replies only please.

I went to my dentist yesterday and thought I would have to get my filling refilled since the top and side of my tooth have another hole. Anyway, my dentist said I would have to get either root canal treatment done with a crown or get my tooth extracted. Because of my age (I’m 21) she suggested I went with root canal.
But she also said my success rate of the treatment would be a little lower as the tooth has bad decay, tooth is dead, and the abscesses are pretty bad. So its 80% success 20% failure.
Like all procedures she said if it doesn’t work out I would have to get the tooth extracted anyway.
I’m a very stressed out because she has made me feel like my teeth will be destroyed for the rest of my life if i get it extracted and not go with root canal. Problem is I don’t have health insurance and she has quoted me $2600 for the root canal and crown treatment. It has already cost me $295 for her to tell me to go home and make my decision.
Every where i have read it says root canal is better and tooth extraction is nothing but a disaster. I’m so confused. I can’t afford to have it done but don’t want my teeth to shift and so on.
I have another hole on the same tooth on the other side, which they "didn’t have time" to check so I have no idea what the go is with that tooth at all. My wisdom teeth are coming through at the back as well.
Can i have some help please cause im so confused and would like other people opinions or their experiences?

Success rate of an RCT should be 98%. If she can’t give that sort of promise then you may need to see an endodontist (RCT specialist).
The structural strength of the tooth AFTER the RCT is the real concern. This is where many teeth can fail despite a good RCT. For a crown to succeed, you need a fair amount of natural tooth structure for it to encircle. A crown is no use if it only surrounds a big filling.
However, if a crown is not suitable, then consider cusp-capping the tooth (with amalgam, not composite), and reinforcing it with posts and/or pins. They may not be pretty, but can work very well for many years, even indefinitely. A lot cheaper too.
If you possibly can do any of these options, then saving this tooth is a good thing. 1st molars are very strategic teeth with robust roots. If you have to have it taken out, you will regret it later. It is hard to replace.
If you do choose to have it removed, then the tooth behind will NOT tilt forward IF you also remove the "wisdom" teeth soon thereafter. Don’t simply extract the first molar and make the double mistake of leaving the "wisdom" teeth behind, or the wizzies will push over the 2nd molar and make a mess of your bite.
And… best of luck!

Why do some Christians think "God" favours the US?

Can you give me 1 biblical quote from your little book that mentions non middle eastern people? Wheres this idea come from? Does God favour the US so much that he gives it the highest child mortality rate in the western world? How about shorter life expectancy and lower standard of living? Does God favour the US so much he allows 18000 peole to die each year from preventable illness because capitalist insurance companies wont insure people? Also why should I then choose salvation from your God who favours you more than me? Why is God such an ethnocentric nationalist?

nationalism seems to be a part of religious extremism (at least in the abrahamic religions)

Next Page »