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Regarding money back, do you get money back on your car insurance? heatlh insurance? no. So why should you get it back on life insurance? (the only policies that pay dividends are from mutual companies. All a dividend is in insurance is return of OVER PAID premium).Regarding Whole Life vs. Term. There is only term insurance. Whole Life/cash value/cash SURRENDER value are contracts that purchase term insurance and invest a portion of the proceeds into funds. The purpose of the extra money is to have the cash value equal the face amount at age 100 so the insurance company wont lose any money.If the policy is going to go up after 3 years, get one that is level for a longer period of time. You can get new policies typically till age 70 and some will renew till age 95 or 100 and still remain more affordable than cash value (assuming you get the right term policy). Katie, you may want to double check. Just because you stop paying, does not mean you have stopped paying. You are paying for the insurance out of that cash value of yours. That policy is also probably designed to lapse sometime between your 65th and 70th birthday.For the same premium you are paying now, you can probably get a term product with 3-5 times, or more, the coverage. Closer to what you would need if you were to die instead of the $35k $40k you have now. Your funeral alone will run between $10k and $15k on average. Not counting any final medical bills that may need to be paid.On top of all of that, that cash value of yours, gets surrendered back to the insurance company UNLESS you pay MORE for it. Read your policy and you will see what I am talking about.A point of note, insurance regulation is very strict. By advising your employees that depend on you for credible advise, that they take a product that may not be in their best interest, you, and your company, could be held liable for fairly large lawsuits. The best advise you should be giving them is to talk with a financial adviser/analyst/coach instead of their existing agent. They can give much better advice.
by Annaji. Oh ! What a great revelation of the triiatdonal Bhartiya way of Life. e2€œPerfect behavior, pure wisdom, untainted life, Sacrificee2€a6.e2€9d Do we agree with Anna really?Corruption rests in Mind of people and spreads in Rules, Finance, Society, System and overall. Communalism is another form of corrupted mind-set. We have to uproot this corruption from our mind from everybody. A common man to politician. From a businessman to a home tutor. We have to take an oath to save our country from corruption. Only bringing the stashed money from Swiss Bank will end the corruption? No. Enactment of the Jan Lokpal Bill will end up corruptions? No. But, all these are the certain powerful tools to set strong machinery against Corruption. But unless and until the Human resources are free from corruption, nothing shall be happened.Thinking envious to the neighbors will make us corrupt, not discharging the stipulated responsibilities in time makes a vicious circle of corruption and bribes, debauchery in life tends a corrupted life, the sprawling subversiveness survives in corruption, Political ambitions without the prosperity of the people makes us completely e2€œCorruptede2€9d and my corruption and your corruption made this Nation, easy to say as e2€œCorruptede2€9d. Yes, this is the time to say no to e2€œCorruptione2€9d. Anna started to set a e2€œCorruptione2€9d free India. We have to follow it hermetically.Certainly the most significant feature of this Anti-Corruption Movement is to bring the mass from all strata of life, all beliefs, all rights group and different organisations across the country even touches the hearts of millions of Indians dwell out side India. The whole country saw the fervor of the growing sentiment in favor of Nationalism and against the political corrupts, bankrupt bureaucrats and the media moles in the system. And after all, the reluctant and repulsive Govt crowned with corruptions bent to the protesting populace demanding a strong law enforcement against Corruption with the direct representation o the Republic of India. Now such a necessary law is possible. That may be a nightmare of the corrupted politicians, bureaucrats, media moles, NGOists. But we have to draw the dream lines of the Corruption Free India for which millions of youngsters and the youths marched these days with the older generations even.Yes, only Anna can do this. Perhaps, He is the uncrowned King of India. All responded him to join the cause. The Bharat Swabhiman Trust, Art of Living, ABVP, RSS all joined with another thousands for this great cause. We saw Swami Ramdev and Ram Madhav in a frame. We saw Medha Patker and Anupam Kher side by side. The Buddhist monks and the Jain Munis were on the stage, at the same time Farah Khan could not resist her to reach Jantar Mantar, keeping aside her busy schedule of Bollywood. Hindus worshiped and offered e2€˜aahutie2€™ in Mass Yanga (fire rituals) in the street, while Muslims and Christians prayed for the success of Annae2€™s fast at Jantar Mantar. The whole India were with Anna these days and must remain with him. The feelings are My India, My Bharat e2€“ against inconsistency of the system so far, against big beefed e2€˜bhastrachare2€™ (corruption) in India. Anna surfaced the potential Oneness of India. Ekatma Bharat. And not detracting and rejecting any thing for the good of this Republic, Anna solicited the strength from Vivekananda to Gandhi, Laxmibai to Bhagat Singh-Chandrasekhar Azad, from Dayananda to Rammonhar Lohia. Anna symbolized him as a modern saint of India with a triiatdonal vision and values. Annae2€™s scientific approach for the rural reconstruction in Ralegan Siddhi with preserving all the Indian values and ethics may serve as a role model in every aspirant rural corners of India too. Now a modern India can stand up with its own identity along with rationality and modernity.I am still in the rhythms of little school girls who were shouting very enthusiastically in the street rally after Anna broke his fast in the fifth day e2€“ e2€˜Ek do tin char, dur karenge bhastrachare2€™ , e2€˜hamara neta kaisa ho, Anna Hazare Jaisa Hoe2€™e2€a6. I was also clapping and shouting in the same way.Bande Mataram, Bharat Mata ki Jai. Jai Hind.
Sick people make bad eemloyeps.Sick people are unemployable or become so very quickly.Sick people become a drain on the economy.A nation of sick and unemployable people is doomed to fail.Your choice.References :
Bravo Jean Michel,voila une distinction me9rite9.je prtiofe de cette nouvelle anne9e pour te pre9senter tous mes voeux de sante9 et bonheur pour 2011Gabriel Mercierdossard 96 sur paris/pe9kin
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Regarding money back, do you get money back on your car insurance? heatlh insurance? no. So why should you get it back on life insurance? (the only policies that pay dividends are from mutual companies. All a dividend is in insurance is return of OVER PAID premium).Regarding Whole Life vs. Term. There is only term insurance. Whole Life/cash value/cash SURRENDER value are contracts that purchase term insurance and invest a portion of the proceeds into funds. The purpose of the extra money is to have the cash value equal the face amount at age 100 so the insurance company wont lose any money.If the policy is going to go up after 3 years, get one that is level for a longer period of time. You can get new policies typically till age 70 and some will renew till age 95 or 100 and still remain more affordable than cash value (assuming you get the right term policy). Katie, you may want to double check. Just because you stop paying, does not mean you have stopped paying. You are paying for the insurance out of that cash value of yours. That policy is also probably designed to lapse sometime between your 65th and 70th birthday.For the same premium you are paying now, you can probably get a term product with 3-5 times, or more, the coverage. Closer to what you would need if you were to die instead of the $35k $40k you have now. Your funeral alone will run between $10k and $15k on average. Not counting any final medical bills that may need to be paid.On top of all of that, that cash value of yours, gets surrendered back to the insurance company UNLESS you pay MORE for it. Read your policy and you will see what I am talking about.A point of note, insurance regulation is very strict. By advising your employees that depend on you for credible advise, that they take a product that may not be in their best interest, you, and your company, could be held liable for fairly large lawsuits. The best advise you should be giving them is to talk with a financial adviser/analyst/coach instead of their existing agent. They can give much better advice.
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by Annaji. Oh ! What a great revelation of the triiatdonal Bhartiya way of Life. e2€œPerfect behavior, pure wisdom, untainted life, Sacrificee2€a6.e2€9d Do we agree with Anna really?Corruption rests in Mind of people and spreads in Rules, Finance, Society, System and overall. Communalism is another form of corrupted mind-set. We have to uproot this corruption from our mind from everybody. A common man to politician. From a businessman to a home tutor. We have to take an oath to save our country from corruption. Only bringing the stashed money from Swiss Bank will end the corruption? No. Enactment of the Jan Lokpal Bill will end up corruptions? No. But, all these are the certain powerful tools to set strong machinery against Corruption. But unless and until the Human resources are free from corruption, nothing shall be happened.Thinking envious to the neighbors will make us corrupt, not discharging the stipulated responsibilities in time makes a vicious circle of corruption and bribes, debauchery in life tends a corrupted life, the sprawling subversiveness survives in corruption, Political ambitions without the prosperity of the people makes us completely e2€œCorruptede2€9d and my corruption and your corruption made this Nation, easy to say as e2€œCorruptede2€9d. Yes, this is the time to say no to e2€œCorruptione2€9d. Anna started to set a e2€œCorruptione2€9d free India. We have to follow it hermetically.Certainly the most significant feature of this Anti-Corruption Movement is to bring the mass from all strata of life, all beliefs, all rights group and different organisations across the country even touches the hearts of millions of Indians dwell out side India. The whole country saw the fervor of the growing sentiment in favor of Nationalism and against the political corrupts, bankrupt bureaucrats and the media moles in the system. And after all, the reluctant and repulsive Govt crowned with corruptions bent to the protesting populace demanding a strong law enforcement against Corruption with the direct representation o the Republic of India. Now such a necessary law is possible. That may be a nightmare of the corrupted politicians, bureaucrats, media moles, NGOists. But we have to draw the dream lines of the Corruption Free India for which millions of youngsters and the youths marched these days with the older generations even.Yes, only Anna can do this. Perhaps, He is the uncrowned King of India. All responded him to join the cause. The Bharat Swabhiman Trust, Art of Living, ABVP, RSS all joined with another thousands for this great cause. We saw Swami Ramdev and Ram Madhav in a frame. We saw Medha Patker and Anupam Kher side by side. The Buddhist monks and the Jain Munis were on the stage, at the same time Farah Khan could not resist her to reach Jantar Mantar, keeping aside her busy schedule of Bollywood. Hindus worshiped and offered e2€˜aahutie2€™ in Mass Yanga (fire rituals) in the street, while Muslims and Christians prayed for the success of Annae2€™s fast at Jantar Mantar. The whole India were with Anna these days and must remain with him. The feelings are My India, My Bharat e2€“ against inconsistency of the system so far, against big beefed e2€˜bhastrachare2€™ (corruption) in India. Anna surfaced the potential Oneness of India. Ekatma Bharat. And not detracting and rejecting any thing for the good of this Republic, Anna solicited the strength from Vivekananda to Gandhi, Laxmibai to Bhagat Singh-Chandrasekhar Azad, from Dayananda to Rammonhar Lohia. Anna symbolized him as a modern saint of India with a triiatdonal vision and values. Annae2€™s scientific approach for the rural reconstruction in Ralegan Siddhi with preserving all the Indian values and ethics may serve as a role model in every aspirant rural corners of India too. Now a modern India can stand up with its own identity along with rationality and modernity.I am still in the rhythms of little school girls who were shouting very enthusiastically in the street rally after Anna broke his fast in the fifth day e2€“ e2€˜Ek do tin char, dur karenge bhastrachare2€™ , e2€˜hamara neta kaisa ho, Anna Hazare Jaisa Hoe2€™e2€a6. I was also clapping and shouting in the same way.Bande Mataram, Bharat Mata ki Jai. Jai Hind.
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Sick people make bad eemloyeps.Sick people are unemployable or become so very quickly.Sick people become a drain on the economy.A nation of sick and unemployable people is doomed to fail.Your choice.References :
The honstey of your posting shines through
Bravo Jean Michel,voila une distinction me9rite9.je prtiofe de cette nouvelle anne9e pour te pre9senter tous mes voeux de sante9 et bonheur pour 2011Gabriel Mercierdossard 96 sur paris/pe9kin
You get a lot of respect from me for writing these helpful articles.
That’s a shrewd answer to a tricky question
That’s way the bestest answer so far!
Whoa, things just got a whole lot easier.
Why do I bother calling up people when I can just read this!
Thanks for sharing. What a pleasure to read!
Thanks for the insight. It brings light into the dark!
Deep thinking – adds a new dimension to it all.
This is both street smart and intelligent.
The ability to think like that shows you’re an expert
Your posting really straightened me out. Thanks!
One or two to remember, that is.