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    • 21.

      Advice, Insuring Against Life's Uncertainties


      by ISLA CAMPBELL - 2008-10-08
      As the American statesman Benjamin Franklin once famously said, there are only two things in life that are certain, and those are death and taxes. And whilst nobody likes having to give thei...
    • 22.

      Life Insurance - Preparing for the Future


      by David Collins - 2008-10-28
      With the credit crunch taking its toll on all aspects of the financial world, many will naturally be increasingly worried about making their money go further. One of the key financial areas for many ...
    • 23.

      Life Insurance 05 - Characteristics of Whole Life Insurance


      by Kyle J. Norton - 2008-10-28
      Whole life insurance have below characteristics1. ParticipatingThe policy owner shares with the insurer in some of the risks and rewards associated with the expenses and mortality gains/losses associ...
    • 24.

      Life Insurance 04 - Whole Life Insurance and Cash Surrender Value


      by Kyle J. Norton - 2008-10-28
      Under whole life insurance, the premium would be more than enough to cover the risk; the difference would be invested to form policy reserves, to subsidize what would otherwise be an inadequate premi...
    • 25.

      Life Insurance 03 - Term Insurances


      by Kyle J. Norton - 2008-10-28
      Term insurance policy is the oldest and popular form of life insurance. Under term insurances, the insurance company promises to pay the sum insured, if the life insured dies within the period specif...
    • 26.

      Searching for Life Insurance


      by David Collins - 2008-10-30
      Have you ever stopped to think about how you and your family would cope if something were to happen to you? Could you pay the mortgage off the savings you currently have, or could you ask friends and...
    • 27.

      Life Insurance 07 - Characteristics of Universal Life Insurance


      by Kyle J. Norton - 2008-10-30
      As we mentioned in the previous article, universal life (UL) was introduced in 1981-82, in response to a historically high interest environment and a consumer awareness of the value of self-directed ...
    • 28.

      Life Insurance 06 - Flexibility of Universal Life Insurance


      by Kyle J. Norton - 2008-10-30
      Universal life (UL) was introduced in 1981-82, in response to a historically high interest environment and a consumer awareness of the value of self-directed investments because traditional insurance...
    • 29.

      Life Insurance 09 - Types of Coverage of Universal Life


      by Kyle J. Norton - 2008-10-31
      As we mentioned in previous articles, UL plans are unbundled, the various components of the plan such as insurance charges and earned interest can each be isolated and quantified. Consequently, they ...
    • 30.

      Life Insurance 08 - Understand the Cost and Mortality Components of Universal Life Insurance


      by Kyle J. Norton - 2008-10-31
      UL plans are unbundled, the various components of the plan such as insurance charges and earned interest can each be isolated and quantified. Consequently, they are much easier to understand and expl...