Tag : life-insurance

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Life insurance what you need to know

If you’ve never stopped to think, it’s time to stop it, get yourself life insurance
When one is becoming greater, begins to worry about things that previously did not have the least importance.
The economic problems that would cause to the family after the death is one of thefears.
42% of Spaniards older than 25 years claims to have contracted some kind of life insurance: 25.3% and 16.7% linked to a mortgage “open market”, without linking to any type of financial product, according to the Institute of sociological studies, analysisand research.

What is life insurance?

Life insurance is a form of personal insurance covering the risk of death of the insured (in case of death) or their survival to maturity (in the case of life).
It aims to ensure the economic security of those who are economically dependent on the insured in the case that this dies

How to choose the ideal life insurance?

Choosing a safe is not an easy task, but you choose correctly that long term so longterm meets the expectations placed in it.
It should be considered a series of guidelines, consider the number of ages of children or persons under age in charge, needs of the family and the money needed to make this be reattached to a new financial situation).
life insurance

life insurance


What are the different protection of life insurance?

 1. life insurance for life or ordinary: ordinary life insurance provides protection for the insured during their lifetime provided premiums are paid. Permanent life policies require the payment of premiums of constant value.
2 temporary life insurance: the insurer will only pay the insured amount of this coverage if the insured dies during the period specified in the policy contract.
It aims to provide protection during this period.
3 total life insurance: the insurer will pay the insured amount of this coverage to theend of the contracted period or sooner if the insured dies. Its objective is to provideprotection for death and survival.

The intelligent purchase of life insurance

1 get quotes from several companies. Each insurance company uses assurance guidelines, a company can sell a policy with a premium lower than another.
2 make comparisons. It is important to make sure that policies that compare offer similar levels of coverage.
The more features and benefits you have a policy, it will cost more. But it is important to know that a policy does not choose only by price but by their characteristics since they must be adjusted to the needs.
3. form of payment of the amount insured. The payment is another point that should be checked accurately now is not just a one-time payment, which leads to deliverthe guaranteed total quantity, which one trust, which are fixed in forms partial payments.
4. it is important to take into account the possibility of changing the level of protection according to the specific needs of each moment.
life insurance

life insurance

What are the benefits of life insurance?

Life insurance, is characterized mainly by the benefits it offers.
1. the protection of the survivor, providing funds for the survivors of the insured tomaintain their way of life in the event of the death of the insured. If happens something to the insured, loved ones can move forward and overcome the new financial situation arising.
2. in case of permanent disability, the insurer provides compensation which allows to complete the pension offered by the State.
3. this insurance is unattachable, which means that life insurance is not liable for thedebts that the insured had upon the death. This allows that it is received when taking the inheritance, secured capital although be rejected, the debts of the policyholder.
4. If the beneficiaries are immediate family members, capital will receive in the event of death is not required to pay taxes on inheritance and gift tax, is exempt. Withthis, the policyholder can rest assured that capital has hired will be those coming tothe family.
5. the policy may be gaining and losing coverage as beneficiaries on the basis of what is needed or is decided in each moment. You can include a new loved one as beneficiary or dispense with coverage that we no longer need.
For many this topic is rather violent, but is essential to good advice, study the diversity of offerings in order to determine what is the ideal coverage needs.
Here are some tips that I give life insurance.
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What does a guy who is a life insurance and insurance retirement money planning professional knowledge about food? What do these have to do with food, especially life insurance over 60?

The answers

I am only a professional. I’m human. I am over 60. Like all living things, including humans, I must eat to survive. That does not make me an expert in food, but I have taken a passionate interest in food and how it affects me.

The broadest statement I can make is that the foods we consume, which includes not only the food we put into our bodies, but how we feed ourselves mentally, emotionally and spiritually as well. All this has a direct effect on our overall health. Our health is one of the two main factors that determine our ability to qualify for life insurance that includes life insurance for retirement planning. Our health also has a direct effect on our longevity. Does not longevity affect safe money?

Life insurance products and insurance plan money retirement planning directly with these issues.


So, where these cross-over issues have a direct effect not only on my livelihood and financial health. It also has a direct effect on everyone’s livelihood and financial health. To what extent it affects others is why I deal with this issue as a topic to write this article. It’s not up to me to decide for you. It’s up to you to decide. I am trying to help by drawing attention to the topic (s).

Not an expert on food

We do not claim to have all the answers that relates to food. I pretend to have done a great job of researching and I know how the food affects me. I hope that others will look more closely and their own situation and do their own research. I like to share my experiences and knowledge on the subject of food. I am licensed to help people with insurance products and safe retirement money planning, the best money insurance.

There are actually 5 factors. They are the 5th of F: Food, fitness, finances, achievement and fun.

A lifestyle

They are about health, balance, protection and peace of mind. They are designed to work together in a cyclical way to create a lasting and rewarding life.

They are how I try to live my life and a simple way of defining life I try to live with the intention of interacting with other people who live a similar life or who are interested in such a life.

Simple formula

Eat organic as often as possible. If it is directly from an animal or plant and has not been processed, it is probably well, at least not as harmful as part of the trash that passes as food. Read the labels. If you can not pronounce the ingredients or you do not know what they are, do not buy it and do not eat it.

Join me?

Bob is a retirement planning and professional money insurance who specializes in life insurance products, and who has more than 20 years of experience.

His company, a bulletproof life is based on honesty, respect, and best effort and is the 5 F: Food, fitness, finance, accomplishment, fun.

He believes that all 5 of F directly or indirectly affect or are affected by life insurance and money insurance.

Plan your dream or prepare for a nightmare.