LIFE INSURANCE AND TERM LIFE INSURANCE

The Fundamentals of Life Insurance – A Caring and Smart Financial Decision

Life insurance is unique among financial instruments. It is one of, if not the only financial instrument that is based on caring and love. Even though there can be personal advantages to having life insurance, the real impetus is love for those one cares most about – to make sure they are taken care of. So, applaud yourself for taking the time to learn about this subject (and please follow up with action whether through us or the organization of your choice.)

Interestingly, while one is taking care of the financial needs and wants of a spouse or the next generations, life insurance can also develop and build one’s personal financial goals while living. For example, because you have sufficient life insurance, you might be able to use more of your assets to enjoy life in retirement. Why is that? Because if you know you have sufficient life insurance you won’t feel that you are lowering the inheritance by spending some of your principal. You may actually “pay down principal” to some degree to yourself, especially if you have lifetime permanent life insurance as a backup.

There are various types of life insurance but they all have some common attributes. You pay an insurance company what are called premiums. At your death, the life insurance company pays an amount to the people you named in your policy, called beneficiaries. Also it’s interesting that if you named a beneficiary(ies) they’d receive the insurance amount free of income tax.

Some types of life insurance have cash benefits available while you’re living. In these types, a portion of your premium goes into a cash reserve and builds on a tax deferred basis. You can access this money, called cash value. Some people use it to help education costs, enhance retirement cash flow or for any reason. Two of the most common types of “permanent life insurance” are called whole life insurance and universal life insurance.

Life Insurance Quotes & Information

Instantly obtain life insurance quotes and information. Check the market on your own before you talk with anyone! Also, check out Return Of Premium Term Life Insurance that gives back all of your payments.

The Insurance Company

A key factor in comparing whole and term life insurance quotes is the company backing the policy. How large is the insurance company? What are their financial ratings? Will they be around to pay a claim?

Life Insurance Direct
From Insurers You Can Trust

When we assist you, you work directly with the people that make sure you get the right coverage from the insurers who fit your needs best. You have our assurance that we will take the time to assist you in finding life insurance from the insurers with the policy that is exactly right for you.

Length of Time of Life Insurance Policy

The longer your policy remains in force, the more likely it is that the company will pay a claim, therefore the more expensive it is. That is why whole life insurance policies have the highest premium - it's insurance for your whole life, no matter when you pass on. When you have a whole life policy you have assurance that you will have coverage as long as you live. As long as you pay your premium, the company will guarantee that benefits will be paid to your heirs. That is why a 5 or 10-year term life insurance policy is the least expensive. The company is less likely to pay a claim on that term life policy.

Sustainable development policy needs the best evidence it can get – but too often, we use indicators which show only what is easy to see on the surface.

The INSURE project (April 2004 - January 2007) aims to get beneath the surface, to the underlying ‘system dynamics’. For this INSURE has built a prototype 'System Toolkit’ for analysis of sustainable development at the regional level, with four components. The ‘Baseline’ explores the scope of a sustainability issue: secondly, the ‘Mapping’ identifies the fuzzy and qualitative factors. Then, the ‘Model’ provides a full quantitative dynamic analysis, with transferable software for any region: and finally the ‘Indicators’ provide a framework for benchmarking and communicating the most significant factors.

The system dynamics approach which underpins the INSURE has potential for a unifying and scientific representation of SD at the regional level. Instead of measuring the ‘symptoms’ through SD indicators, the project tries to get to the ‘causes’ with a more fundamental understanding of the region as a system. This shows how economic sectors, spatial development, environmental pressures and social trends are all inter-linked and inter-dependent. This kind of knowledge is essential for the challenges of SD from local to global.

In this way, the INSURE approach will contribute to increased awareness of the issues and choices of SD among stakeholders at all levels, particularly at the regional level around Europe.

For general information on the project and the background, click here for access to the material for dissemination (leaflet, poster, Scientific papers, presentations).

For other information, go to the tabs on Project Outputs, Partners and Events

Welcome To Andinsure

And insure Ltd is an independent insurance intermediary authorised and regulated by the Financial Services Authority. We act on behalf of a number of insurers and underwriting agencies in arranging different types of insurance cover and offer a wide range of insurance products.

Our areas of specialisation are with the motor trader working from home OR premises - drink drivers with or without the rehabilitation course certificate - van insurance - home insurance - private car insurance - all types of commercial business cover including commercial property, liability and motor trade combined policies.

We pride ourselves on the level of service given: our staff are continually undergoing training to ensure the quality of service remains high and well informed.

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