Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Golden Triangle Tours: Best Way to Explore Culinary Delights and India’s Riches

Golden Triangle Tours is the name given to the most fascinating touring circuit of India. Unleashing the country's historic past, its heritage, colorful cultures and flavorsome cuisines, Golden Triangle Tour packages takes one to a whirlwind ride of Delhi, Agra and Jaipur. The path to the touring circuit is resplendent with fortresses, spectacular palaces, historic monuments, UNESCO applauded World Heritage Sites and culture capitals. Encompassing Golden Triangle cities brings a visual treat to the eyes of history, art and architecture lovers, but it is also an opportunity for food frantic to taste real flavor of India.

Gourmets Feast Upon Delhi Cuisine: The capital city of India, Delhi is also a hub of political and cultural activities. A fabulous metropolis Delhi is also a significant center of education and technology; also its historical heritage is very impressive, but the real charm of the city is in its cuisine. Delhi is a potpourri of cultures, it has a mini-India in itself and has welcomed people of various cities, states, color and creed with open arms and thus the variety in its cuisine and flavor in its food is one to die for. From tangy Chaat (kind of spicy snack) to delicious curries and lip-smacking Mughlai there is an abundance of choice of food. Eating joints, low- budget restaurants, road side vendors to elite restaurants and more authentic Delhi cuisine means best of Indian food. From Punjabi style cooked South Indian food to Chinese Tadka-Mar-ke and of course famous Kebabs and Tandoori food, Delhi offers et al to satiate your taste-buds. One can even have best of authentic Continental and world cuisine in Delhi well-known as the Food-Capital of India.

Jaipur's Royal Grandeur: No Golden Triangle Tours are complete without experiencing royal charm which is well preserved till at the stunning palaces and fortes of Jaipur. On a sightseeing tour across famous royal capital of Rajasthan one experiences a royal saga unfolding at hilltop Amer Fort, honeycomb shaped- Hawa Mahal and fascinating royal observatory- Jantar Mantar. Mesmerizing sight of City Palace further add to the charisma of Rajasthan ideally known as the princely state of India. Explore its bazaars to pick interesting hand-made curios; silver jewelry, colorful puppets, hand-printed fabrics and more the vibrant bazaars of Jaipur will indeed sweep you off your feet with their elegance and simplicity. Further a mesmerizing performing art scene is a must for all those touring the fabled touring circuit.

Agra: What appears to be a painter's fantasy coming alive is actually a living specimen of Mughal artistic excellence. Agra is where the ultimate emblem of love- Taj Mahal is located which made city world-renovated. Also, Agra is well-known for other UNESCO World Heritage Sites such as Agra Fort and Fatehpur Sikri. On Golden Triangle Tours in India the sights of these UNESCO riches are a must visit for they give a sneak peep into the country's architectural heritage and also brings closer to its legendary history of mighty Knights and their dynasties.

In a nutshell Golden Triangle Tours avails a quick introduction to the vast sub-continent of India.

Garner Compliments Wearing Rose Gold Jewelry, the Latest Jewelry Trend

Rose gold jewelry, this is appearing since the past 2 to 3 years. This is a blush color metal and has gained prominence during spring and summer. This trend as gold fixtures is bought even as a gift. Today, this precious metal is widely used and women, you must have at least one in your collection.

Adding rose jewelry into your collection means find the pieces of jewelry that look good and go well in combination with your yellow gold and silver jewelry. The gold jewelry looks nice, regardless of the style or metal. Having a personalized rose ring stack is fun. These minimalist competing bands are now available as motifs and in varying thicknesses that it can be a statement ring that is less expensive yet appears dazzling with gemstone studded. The color braided gold band makes it very special.

How it is Made

First, Rose gold appeared in Russia as copper infused metal was incorporated in the jewelry designs by Carl Faberge, the well-known jeweler.

Rose actually is not available directly from the nature. As already known, the pure gold is in same color and the jewelry color changes only owed to the mixing of alloys or other metals. The metal mixing ratios change the gold color.

The metal receives its colors on mixing copper alloys with pure gold and silver is also added in small amount. The mix having more copper means the jewelry shows redder and the one with less copper comes in pink color.

The typical 18k modern-day rose looks featuring gold to 75%, silver 4% and copper to 21%. The fact is that as the content of silver reaches to 5% or closed, you will notice gold appearing more of pink in color.

The beauty of rose jewelry is that it offers a comprehensive look and the jewelry looks simple, yet stylish garnering compliments from your neighbors, love, coworkers, friends and relatives.

Rose Jewelry prominence

Copper is an alloy. Owing to the high copper content only the rose gold jewelry emerges and as the fact is that copper with age gets darker and over time less rosy. The jewelry appears vintage inspired, but certainly is a style statement.

Today, the market has rose jewelry in lots and there are designers trying to bring different styles using this hue of gold. The purple gemstones fit in soft pink makes the rose look stunning and reflect your skin glow.

The necklace pendants in rose gold also look amazing. Rose gold was used in the Victorian era in the pendants and today is a bohemian style. If you are a person loving antique jewelry, turn the gold into some jewelry piece of your taste. Even if a rose jewelry is broken, you can wear it as a brooch or a stickpin, it will shine. The rose gold jewelry is recognized as personalized jewelry offering a feminine touch and charm. Use it for your Zodiac sign and use it as charm pieces in your jewelry, in the necklace or ring, it is sure to look beautiful.

Internet Marketing – The Basic Step of SEO in “Off Page Optimization”

SEO or Search Engine Optimization it the most important thing in Internet Marketing. It is the way of website optimization, sometimes how to be search engine friendly, so our site can appear on the first page of search results on the search engines, and so we can get free traffic from search engines.

SEO has 2 important phases:

  1. Optimization on the site itself (On-page Optimization)
  2. Optimization beyond the site (Off-page Optimization)

This time I will describe what is "off-page optimization".

What is Off-Page Optimization?

In a simple word Off-Page Optimization is the activities we do on our site with the goal of creating robots that search engines rate sites our site is famous among other sites. This is also known as "Link Popularity"

How famous our site among the other sites (with a particular target keyword) will be a consideration in determining search engine positioning of our site in search engine result.

Based on the experience of internet marketers who have been successful, Off-Page Optimization is very important now, even that says Off-Page Optimization is much more important than the On-Page Optimization. But I think both of them are important to get a high ranking on search engines.

The main components of the Of-Page Optimization, or to determine how famous our site is through the quality back links. So if you want the robot is considered as a famous site we need to have a lot of quality back links.

Back Link have 2 types:

1. One direction or One Way Back Link, where other site link to our site, but our site does not link back to the site. This is usually our sites have information that is considered interesting and he recommended to the visitor of their site.

2. Two-way (mutual link). Also known as "Link Exchange" or exchange links. Note that One Way Back Link has a wine better on search engine than two-way link.

Which link back is good for the Off-Page Optimization?

Many webmasters make the mistake and has wrong mind with Back Link. They tried to find link partners as much as possible without examining the positions, topic and status of the site which will be invited to become their Link-Partner.

To avoid this the following steps are necessary to find a quality Back Link:

1. When searching for potential link partners, select the same site, or at least close to the topic or topics related to our site.

2. Search site potential link partners with high-rank page.

3. When we do Link Exchange see where they will put the link. Usually they have a special page for Link Partner, see the page rank of the special page, either they have a high page rank or not. This is very important.

Note: Page Rank of each page of your site in one domain can be different. Although the main page has a high Page Rank, the other Page Rank can be lower or even zero. Or the Page Rank of the main page is lower but the other pages inside is higher. This can be caused by the On-Page Optimization and Link Back obtained by the page.

Conclusion:

– Do not exchange links with the other sites with different theme. – Do not link sites that has Page Rank 0 – When you want to Link Exchange, do not accept the link of our site is putting in the page with Page-Rank 0

4. Calculate how many link partners were there! Do not try to link the sites that have links Partner or save more than 50 links on one page!

Note: Value of Page Rank will be divided evenly with all of the existing link partners. More number of link partners that are stored in one page, the smaller Rank value will receive by each link partner.

5. Look at Anchor Text used for our site at the site of link partners, is already in line with our target keyword? Anchor Text must be the keyword of our target.

Many Webmasters are looking for Link Partner as much as possible without considering the above. Actually we do not need to find thousands of links to sites we create are considered by a robot, just looking for 30-60 quality links that are eligible that have been described above.

The Main points of the Off-Page Optimization:

1. Try the link + description of our website are there in the other sites, this is called the Back Links.

2. There are two kinds of Back Links: One Way Back Links (one-way link) and Link Exchange (exchange link).

3. For Link Exchange, search for related theme site.

4. Search potential site link partners that has high Page-Rank. Download Google toolbar http://toolbar.google.com to know the Page Rank of a site. When is found contact them to exchange links.

5. If they agree, check where the link is placed, see the Page Rank page, do not accept a link placed on the page Rank 0.

6. Calculate how many links that are posted on there, do not link to a site that has a link partner of more than 50 links in one page.

7. Always use the Anchor Text, the site's main keywords should be used the description of the link on the site of link partner.

Note: Although we have done all the above correctly, free traffic from search engines will not come immediately, but takes time. Give time 5 months to 1 year to see the results. While waiting for the results we can make another site. Remember, SEO is the most important thing in Internet Marketing .