Is There a Connection Between Obesity and Poverty?

Is There a Connection Between Obesity and Poverty?

Combating obesity in America has become an economic, health, and political issue. Data from the National Health and Nutrition Examination survey show that more than two-thirds of Americans are overweight or obese.

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Seeing a Doctor Regularly Saves You Money on Life Insurance Rates

Seeing a Doctor Regularly Saves You Money on Life Insurance Rates

As you mature and age, your health needs change, as do your preventative care requirements. By staying on top of your game and getting the necessary checkups, you can prevent certain conditions from worsen or even developing while saving on life insurance premiums.

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How Is a Mortality Charge Determined and What Is It?

How Is a Mortality Charge Determined and What Is It?

A mortality charge is the cost of pure life insurance, which is based on experience tables developed by actuaries and on actual mortality experiences. Each life insurance company has their own mortality charges based off information from these tables. The difference in mortality charges among life insurance companies can have a greater impact on a policy’s performance than any interest return or dividend.

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How Do Insurance Companies Rate Height and Weight?

How Do Insurance Companies Rate Height and Weight?

When a person applies for life insurance, the relationship between their height, weight, and girth is considered.

It also happens to be one of the basic determinants of mortality risk, according to Edward E. Graves, author of McGill’s Life Insurance.

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What is Whole Life Insurance and Will It Really Last Until I Die?

What is Whole Life Insurance and Will It Really Last Until I Die?

Whole life – often called ordinary life or straight life – is the original permanent life insurance policy, which is still the most commonly used in-force policy today. Over the past 20 years, this policy has become less popular, with the introduction of universal life, variable life, and variable universal life. These policies are less rigid than whole life.

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What Life Insurance Has Cash Value?

What Life Insurance Has Cash Value?

The metaphor of a barrel rolling down a hill is a basic portrayal of how a cash value life insurance policy works. It effectively explains how premiums add funds to the account, how insurance companies take out their expenses and how to calculate your surrender value.

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Don’t Let Your Unwanted Life Insurance Policy Lapse. Sell it!

Don’t Let Your Unwanted Life Insurance Policy Lapse. Sell it!

Rising healthcare costs may make it difficult for retired individuals to stay current on other payments.

Some turn to their mortgage loans or insurance premiums for relief, eliminating any investments they don’t deem necessary. Those considering this approach should reevaluate their options, according to a recent report by the Napa Valley Register.

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Healthy Applicants Pay The Lowest Rates On Life Insurance

Healthy Applicants Pay The Lowest Rates On Life Insurance

A growing number of Americans are working hard to stick to a diet and exercise routine in an effort to improve their quality of life and their overall life expectancy. By doing so, people can save considerably on their future medical bills and life insurance premiums as well.

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Insurance for Workers Overseas in High-risk Professions

Insurance for Workers Overseas in High-risk Professions

Whether you’re headed to Haiti as a volunteer helping to restore the earthquake-ravaged country, or to Iraq as an employee rebuilding its infrastructure, or even off the shores of Somalia as ship crewmember and scuba diving adventurist, you or your boss will most likely be looking at higher premiums — if you can get life insurance at all.

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