How Do I Know If a Policy Is Suitable for Me?

How Do I Know If a Policy Is Suitable for Me?

Suitability is a term, which basically means that a certain policy is appropriate for a certain individual. However, the difficult part of life insurance suitability is that there are no clear-cut answers for either consumers or professional advisers. State suitability rules exist in only a small percentage of the states and vary in term of requirements, terms and enforcements.

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How Do I Know an Insurance Company is Committed to High Standards?

How Do I Know an Insurance Company is Committed to High Standards?

Every insurance company adheres to their own ethical standards as well as to basic guidelines laid out by their state’s Department of Insurance. A new entity called the Insurance Marketplace Standards Association (IMSA) was recently created. Their mission is to promote high ethical standards in the sale and servicing of individually sold life insurance, annuities and long-term products.

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30-Minutes of Rigorous Exercise Can Cut Heart Failure Risk Almost in Half

30-Minutes of Rigorous Exercise Can Cut Heart Failure Risk Almost in Half

A recent study reported in the American Heart Association journal Circulation: Heart Failure, researchers say 30-minutes of vigorous exercise can cut heart failure risk almost in half and an hour of moderate exercise can have the same effect. Heart failure is a common, disabling disease that accounts for about 2 percent of total healthcare costs in industrialized countries. The risk of death within five years of diagnosis is 30 percent to 50 percent, researchers said….

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