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<title>Donald Lusan - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Donald_Lusan</link>
<pubDate>Wed, 15 Feb 2012 01:03:38 -0600</pubDate>
<image><title>Donald Lusan - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Donald_Lusan</link>
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<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[EzineArticles.com is Trusted By Millions as The Source For Quality Original Articles]]></description>
<lastBuildDate>Wed, 30 Nov 2011 11:03:31 -0600</lastBuildDate>
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<item>
<title>Cheap Life Insurance Quote - Getting The Most For Your Money</title>
<link>http://EzineArticles.com/6721545</link>
<guid>http://EzineArticles.com/6721545</guid>
<pubDate>Wed, 30 Nov 2011 11:03:31 -0600</pubDate>
<description><![CDATA[You want a cheap life insurance quote. You have come to the conclusion that you need to buy some life insurance coverage to protect your family from your premature death, you want a cheap policy from a top rated carrier. What exactly is the best way to go about this you ask.]]></description>
</item>
<item>
<title>30 Year Term Life Insurance Premiums Are Surprisingly Low</title>
<link>http://EzineArticles.com/5472219</link>
<guid>http://EzineArticles.com/5472219</guid>
<pubDate>Thu, 02 Dec 2010 09:58:40 -0600</pubDate>
<description><![CDATA[The 30 year term life insurance premiums are quite low when you take into consideration what can be accomplished when you buy this policy. As most people know the longer your policy is built to last the higher the premium. If you buy a 20 year level term policy at age 30 it will cost less than if you buy a level 30 year term policy at the same age.]]></description>
</item>
<item>
<title>Permanent Life Insurance If Your Problem Is Permanent</title>
<link>http://EzineArticles.com/5300720</link>
<guid>http://EzineArticles.com/5300720</guid>
<pubDate>Tue, 02 Nov 2010 10:47:40 -0500</pubDate>
<description><![CDATA[You should buy permanent life insurance if you have a permanent problem. Many people try to solve permanent needs with temporary life insurance. Term life insurance provides coverage for a limited period of time, thus it is temporary insurance.]]></description>
</item>
<item>
<title>Buy Term Life Insurance For Temporary Needs</title>
<link>http://EzineArticles.com/5294465</link>
<guid>http://EzineArticles.com/5294465</guid>
<pubDate>Mon, 01 Nov 2010 15:09:36 -0500</pubDate>
<description><![CDATA[You may want to consider term life insurance whether your need is short term or long term. You should appreciate though that term insurance is temporary insurance. What do I mean by that?]]></description>
</item>
<item>
<title>Is No Medical Exam Life Insurance For Older People Dead?</title>
<link>http://EzineArticles.com/5213800</link>
<guid>http://EzineArticles.com/5213800</guid>
<pubDate>Tue, 19 Oct 2010 09:47:24 -0500</pubDate>
<description><![CDATA[Want no medical exam life insurance? Up until very recently it was probable to get some life insurance up until age 65 without having to do a full blown medical examination.]]></description>
</item>
<item>
<title>Term Life Insurance - Advantages and Disadvantages</title>
<link>http://EzineArticles.com/4785537</link>
<guid>http://EzineArticles.com/4785537</guid>
<pubDate>Tue, 03 Aug 2010 15:11:29 -0500</pubDate>
<description><![CDATA[Term life insurance is oh so loved my many people. There are many different types of term insurance and very many reasons why people buy these policies. There are significant advantages to owning this type of life insurance. There are also a few disadvantages.]]></description>
</item>
<item>
<title>Buying Term Life Insurance With No Medical Required</title>
<link>http://EzineArticles.com/4785491</link>
<guid>http://EzineArticles.com/4785491</guid>
<pubDate>Tue, 03 Aug 2010 14:51:04 -0500</pubDate>
<description><![CDATA[Some people don't understand how you can buy term life insurance with no medical required. They are under this illusion that in order to issue such policies the premiums have to be higher than the norm.]]></description>
</item>
<item>
<title>Life Insurance - The Differences Between Term and Whole Life Premiums Explained</title>
<link>http://EzineArticles.com/4204065</link>
<guid>http://EzineArticles.com/4204065</guid>
<pubDate>Fri, 30 Apr 2010 13:59:19 -0500</pubDate>
<description><![CDATA[Why is there such a difference between term and whole life insurance premiums? Term life is so much cheaper. Perhaps the best way to explain this is to look at what is probably the purest type of life insurance, the yearly renewable term policy.]]></description>
</item>
<item>
<title>Life Insurance With No Exam Necessary</title>
<link>http://EzineArticles.com/4181626</link>
<guid>http://EzineArticles.com/4181626</guid>
<pubDate>Tue, 27 Apr 2010 15:06:10 -0500</pubDate>
<description><![CDATA[Many people can qualify for life insurance with no exam necessary, even people who wait to apply in later years. They can get life insurance with no exam up until age 65. As you get older you would normally see the life insurance buying process as a chore. You seem to always need a medical, possibly two. They usually want blood or urine to test. ]]></description>
</item>
<item>
<title>Review Life Insurance Needs - Keep Insurance Portfolio Up to Date</title>
<link>http://EzineArticles.com/3830393</link>
<guid>http://EzineArticles.com/3830393</guid>
<pubDate>Fri, 26 Feb 2010 06:38:52 -0600</pubDate>
<description><![CDATA[It is just simple common sense to review life insurance needs each year. The amount of coverage you now own may be too little or, in some rare cases, too much.]]></description>
</item>
<item>
<title>Term Insurance Quotes - Prepare Before You Get Quotes</title>
<link>http://EzineArticles.com/3817665</link>
<guid>http://EzineArticles.com/3817665</guid>
<pubDate>Wed, 24 Feb 2010 15:23:54 -0600</pubDate>
<description><![CDATA[Are you looking for quality term insurance quotes? Have you determined how much you need? Do you know what type of term insurance is best for you? Getting suitable term insurance quotes and buying the right life insurance policy is a simple process.]]></description>
</item>
<item>
<title>Life Insurance - No Medical, Physical Or Doctors Exam</title>
<link>http://EzineArticles.com/3645157</link>
<guid>http://EzineArticles.com/3645157</guid>
<pubDate>Wed, 27 Jan 2010 09:50:06 -0600</pubDate>
<description><![CDATA[It is really no mystery why life insurance no medical has become so desired by term insurance buyers. They simply seek the easiest way to buy their policies.]]></description>
</item>
<item>
<title>20 Year Term Life Insurance - So Many Uses For This Policy</title>
<link>http://EzineArticles.com/3322755</link>
<guid>http://EzineArticles.com/3322755</guid>
<pubDate>Wed, 25 Nov 2009 19:05:26 -0600</pubDate>
<description><![CDATA[The 20 year term life insurance policy can be effectively used in oh so many situations. We will look at some of them but first let us define what this policy is all about. 20 year term insurance has a level death benefit for the entire 20 year period.]]></description>
</item>
<item>
<title>Universal Life Insurance Explained</title>
<link>http://EzineArticles.com/3283884</link>
<guid>http://EzineArticles.com/3283884</guid>
<pubDate>Tue, 17 Nov 2009 22:21:50 -0600</pubDate>
<description><![CDATA[Consider universal life insurance. One of the more popular permanent life insurance policies is the universal life policy. What is this universal life all about anyway? This policy is a permanent life insurance which allows for flexibility in premium payments as well as in death benefit amounts. Think of this policy as a savings account with a life insurance policy attached.]]></description>
</item>
<item>
<title>Term, Whole and Universal Life Insurance - The Differences and Similarities Discussed</title>
<link>http://EzineArticles.com/3190761</link>
<guid>http://EzineArticles.com/3190761</guid>
<pubDate>Wed, 04 Nov 2009 14:52:48 -0600</pubDate>
<description><![CDATA[Term, whole and universal life insurance are the the types of policies you are most likely to encounter when you set out to get quotes or, in general, examine life insurance policies. There are, however other types that not many people know much about.]]></description>
</item>
<item>
<title>Term Life Insurance With No Medical, No Physical, and No Doctor Exam</title>
<link>http://EzineArticles.com/3152000</link>
<guid>http://EzineArticles.com/3152000</guid>
<pubDate>Wed, 28 Oct 2009 10:51:48 -0500</pubDate>
<description><![CDATA[More and more people are buying term life insurance with no medical, no physical or no exam by a doctor, paramedic or nurse. The convenience of actually printing out your policy there and then seems to appeal to buyers a great deal. The surprising thing is how low the premiums are.]]></description>
</item>
<item>
<title>Buying Life Insurance For Family Protection Or Business Protection</title>
<link>http://EzineArticles.com/3118194</link>
<guid>http://EzineArticles.com/3118194</guid>
<pubDate>Wed, 21 Oct 2009 14:23:08 -0500</pubDate>
<description><![CDATA[Buying life insurance is so very important. It is an integral fundamental in any sound financial plan. The type and amount of coverage you select will depend on why you need to buy your policy.]]></description>
</item>
<item>
<title>Life Insurance Types Explained - See Which Policy Fits Your Needs</title>
<link>http://EzineArticles.com/2874290</link>
<guid>http://EzineArticles.com/2874290</guid>
<pubDate>Fri, 11 Sep 2009 16:18:36 -0500</pubDate>
<description><![CDATA[Deciding which life insurance types to look at depends on each individuals specific need. All life insurance does not fit everyone's situation. Let us examine why a single person would buy life insurance.]]></description>
</item>
<item>
<title>Term Life Insurance - Policy Definition and More</title>
<link>http://EzineArticles.com/2842441</link>
<guid>http://EzineArticles.com/2842441</guid>
<pubDate>Wed, 09 Sep 2009 10:53:23 -0500</pubDate>
<description><![CDATA[Term life insurance is favored by a large portion of our population. Let us take a close look at this policy and see why. It may be wise to begin by attempting to define this type of policy. Let us see what it is all about.]]></description>
</item>
<item>
<title>Life Insurance With No Physical, No Medical, No Exam, No Health Check</title>
<link>http://EzineArticles.com/2815010</link>
<guid>http://EzineArticles.com/2815010</guid>
<pubDate>Wed, 26 Aug 2009 22:16:43 -0500</pubDate>
<description><![CDATA[Looking for life insurance with no physical required? Some people choose non medical life insurance because they simply don't have the time or the inclination to go through the rigors of a full medical examination.]]></description>
</item>
<item>
<title>A Life Insurance Policy - What is a Life Insurance Policy Really?</title>
<link>http://EzineArticles.com/2788713</link>
<guid>http://EzineArticles.com/2788713</guid>
<pubDate>Sun, 23 Aug 2009 16:25:45 -0500</pubDate>
<description><![CDATA[What in fact is a life insurance policy? What is all the hoopla really about? One writer put it this way. "A life insurance policy is just a drop of ink on a piece of paper." There is nothing very significant about that. The important thing to focus on is what this kind of policy does.]]></description>
</item>
<item>
<title>Life Insurance With No Medical Exam, No Medical Questions, No Health Questions</title>
<link>http://EzineArticles.com/2739386</link>
<guid>http://EzineArticles.com/2739386</guid>
<pubDate>Wed, 12 Aug 2009 19:50:10 -0500</pubDate>
<description><![CDATA[Life insurance with no medical is the easy way to buy life insurance. Younger people can get a very large amount of coverage without having to do a physical. People, in fact, can get some coverage up to age 65 if they are in favorable health.]]></description>
</item>
<item>
<title>No Medical Exam Life Insurance - Non Medical Term Life Insurance</title>
<link>http://EzineArticles.com/2715355</link>
<guid>http://EzineArticles.com/2715355</guid>
<pubDate>Fri, 07 Aug 2009 14:15:06 -0500</pubDate>
<description><![CDATA[I feel compelled to write this article on no medical exam life insurance as there is so much misinformation published on the Internet. There are implications that this idea is new. Some people believe that the insurance companies ask no questions about your health when you apply. Nothing could be further from the truth. I should say nothing could be further from the truth if this is full insurance from the outset.]]></description>
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<title>Life Insurance Policy Provisions - What Your Policy Does For You</title>
<link>http://EzineArticles.com/2615575</link>
<guid>http://EzineArticles.com/2615575</guid>
<pubDate>Fri, 17 Jul 2009 10:26:58 -0500</pubDate>
<description><![CDATA[Life insurance policy provisions. Most of us tend not to pay sufficient attention to the details of a life insurance policy until someone dies or until we are in dire need of some cash. The thinking goes something like this. My husband is dead, he did mention that he had some life insurance, I wonder how much?]]></description>
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<title>Cheap Life Insurance - When You Need Very Cheap Life Insurance</title>
<link>http://EzineArticles.com/2569056</link>
<guid>http://EzineArticles.com/2569056</guid>
<pubDate>Wed, 08 Jul 2009 14:10:15 -0500</pubDate>
<description><![CDATA[Perhaps you recently got married, or you just had a new addition to the family. You probably just purchased your first home or maybe you just started a business. These are all reasons why you may need some life insurance and you want the least costly policy you can get.]]></description>
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<item>
<title>Term Insurance - Are You Certain You Want Term Life Insurance?</title>
<link>http://EzineArticles.com/2535385</link>
<guid>http://EzineArticles.com/2535385</guid>
<pubDate>Tue, 30 Jun 2009 10:53:16 -0500</pubDate>
<description><![CDATA[Do you really need term insurance? There are other options, so, is term life insurance for you? Some people are convinced there are no other choices. Ever consider why this type of life insurance is so favored? Let us take a look at some of the most popular term policies and see whether or not they would fit your unique situation.]]></description>
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<item>
<title>Permanent Insurance Explained - Permanent Life Insurance Types</title>
<link>http://EzineArticles.com/2507803</link>
<guid>http://EzineArticles.com/2507803</guid>
<pubDate>Tue, 23 Jun 2009 07:32:55 -0500</pubDate>
<description><![CDATA[Permanent insurance, also referred to as permanent life insurance, affords the policy owner the opportunity to accumulate a little cash in addition to providing a death benefit in the event of premature death. When most people today think about life insurance today they think in terms of the largest amount of cash they can leave for a spouse and children.]]></description>
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<title>Life Insurance Calculator - Determine How Much Life Insurance You Need</title>
<link>http://EzineArticles.com/2470256</link>
<guid>http://EzineArticles.com/2470256</guid>
<pubDate>Tue, 16 Jun 2009 08:57:24 -0500</pubDate>
<description><![CDATA[A life insurance calculator, or life insurance needs calculator, is one of the most invaluable tools when you have in mind to buy life insurance. You have many options that will help you decide which policy is best for you. You can just guess that a certain amount will do the job. You can use the rule that many agents use which amounts to somewhere between 5 and 10 years income. Or you can use a life insurance calculator specifically designed to tell you precisely how much life insurance you need after you answer a few questions.]]></description>
</item>
<item>
<title>Life Insurance Quotes - Quotes and Application Procedure</title>
<link>http://EzineArticles.com/2450118</link>
<guid>http://EzineArticles.com/2450118</guid>
<pubDate>Wed, 10 Jun 2009 07:35:10 -0500</pubDate>
<description><![CDATA[Why would you get life insurance quotes online? You could call in an agent and get some good information and proceed to buy your policy if you see something you like. You could contact an Independent Agent or a Broker who are exposed to many companies and a wide range of policies. Most people, however, get their life insurance quotes online then proceed to either buy their policies there and then or they contact the carrier they are interested in and have them send out a representative.]]></description>
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<item>
<title>Low Cost Term Life Insurance - The Most Used Low Cost Policies</title>
<link>http://EzineArticles.com/2434805</link>
<guid>http://EzineArticles.com/2434805</guid>
<pubDate>Fri, 05 Jun 2009 14:24:54 -0500</pubDate>
<description><![CDATA[We all want to buy low cost term life insurance. It is just the wise thing to do. I was recently having a casual conversation with one of my neighbors about life insurance and was surprised to see the amount of premiums he was paying for term insurance.]]></description>
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<item>
<title>Life Insurance - Do Intelligent People Buy Life Insurance?</title>
<link>http://EzineArticles.com/2413864</link>
<guid>http://EzineArticles.com/2413864</guid>
<pubDate>Wed, 03 Jun 2009 08:58:37 -0500</pubDate>
<description><![CDATA[I have been in the life insurance business for more than 40 years and have heard many uninformed people criticize life insurance. It has even become quite an industry to discount the merits of owning a policy.]]></description>
</item>
<item>
<title>Mortgage Life Insurance - Buying Your First Home</title>
<link>http://EzineArticles.com/2075088</link>
<guid>http://EzineArticles.com/2075088</guid>
<pubDate>Wed, 11 Mar 2009 10:18:46 -0500</pubDate>
<description><![CDATA[Consider mortgage life insurance when you buy your first home. Everyone will likely agree that purchasing your first home is one of the most important decisions you will likely make. Many thoughts go through your mind at this time.]]></description>
</item>
<item>
<title>Life Insurance and the Family</title>
<link>http://EzineArticles.com/2000038</link>
<guid>http://EzineArticles.com/2000038</guid>
<pubDate>Wed, 18 Feb 2009 14:49:18 -0600</pubDate>
<description><![CDATA[Is life insurance something we always think about or do we simply take care of it and move on with our lives? As we navigate the adventure of living there are certain inevitable challenges which must be addressed at some point in time.]]></description>
</item>
<item>
<title>Types of Life Insurance - Rethink Type of Policy to Buy</title>
<link>http://EzineArticles.com/1555176</link>
<guid>http://EzineArticles.com/1555176</guid>
<pubDate>Wed, 08 Oct 2008 13:19:47 -0500</pubDate>
<description><![CDATA[This may be a good time to rethink the types of life insurance policies you should buy. Until the market settles down many people don't want to be spending a lot of money. Everyone is looking for a safe place to put their money. We see some stocks, like Wachovia, slide then rise again. Others may take a longer time before they are again viable.]]></description>
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<title>Life Insurance Settlement - How Beneficiaries Get Paid</title>
<link>http://EzineArticles.com/1546753</link>
<guid>http://EzineArticles.com/1546753</guid>
<pubDate>Mon, 06 Oct 2008 15:53:06 -0500</pubDate>
<description><![CDATA[Over the years I have paid many a claim upon the death of my clients. Everything always goes smoothly for me in these cases. The carrier usually wants proof of death and they also want to be assured that the beneficiary is who s/he claims to be.]]></description>
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<title>Term Life Insurance - Term Policies May Be Ideal For These Times</title>
<link>http://EzineArticles.com/1529431</link>
<guid>http://EzineArticles.com/1529431</guid>
<pubDate>Mon, 29 Sep 2008 13:39:07 -0500</pubDate>
<description><![CDATA[Since term life insurance cost so little it could be the perfect policy for today. I believe that everyone needs some life insurance at some time during their lifetime. The reason I feel so strongly is that I have seen families who had a breadwinner die without adequate coverage. I have known businesses that had no protection for their partners or shareholders when one of the owners died.]]></description>
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<title>Whole Life Insurance - Did You Know?</title>
<link>http://EzineArticles.com/1440777</link>
<guid>http://EzineArticles.com/1440777</guid>
<pubDate>Wed, 03 Sep 2008 13:50:34 -0500</pubDate>
<description><![CDATA[Did you know that whole life insurance or some variation thereof is bought more than another types in the United States? Why do you think this is so? Is it because the people know nothing about term insurance? Not so! Term insurance is simple to understand.]]></description>
</item>
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<title>Whole Life Insurance - Understanding the Policy</title>
<link>http://EzineArticles.com/1380470</link>
<guid>http://EzineArticles.com/1380470</guid>
<pubDate>Wed, 06 Aug 2008 13:20:46 -0500</pubDate>
<description><![CDATA[Why would someone buy whole life insurance? After all, term insurance cost much less. Can one justify paying more premiums for the same death benefit? Why would a buyer even consider such a purchase?]]></description>
</item>
<item>
<title>Term Insurance - What it Can Do For You</title>
<link>http://EzineArticles.com/1351801</link>
<guid>http://EzineArticles.com/1351801</guid>
<pubDate>Mon, 28 Jul 2008 09:05:08 -0500</pubDate>
<description><![CDATA[What is term insurance? This is one of the questions I get from time to time. People want to know how it works. What are the advantages to owning a term policy? What are the disadvantages?]]></description>
</item>
<item>
<title>Life Insurance Proceeds - Managing Your Windfall</title>
<link>http://EzineArticles.com/1149761</link>
<guid>http://EzineArticles.com/1149761</guid>
<pubDate>Tue, 06 May 2008 11:37:35 -0500</pubDate>
<description><![CDATA[You spouse dies and you are aware that s/he had a sizable life insurance policy. You welcome your new acquired wealth but you are not certain how to handle it. For someone accustomed to handling large sums of money there is no problem but for the average person there is a disturbing uncertainty that doesn't seem to leave your mind.]]></description>
</item>
<item>
<title>No Exam Life Insurance - Are We Paying Attention?</title>
<link>http://EzineArticles.com/1048308</link>
<guid>http://EzineArticles.com/1048308</guid>
<pubDate>Mon, 17 Mar 2008 16:26:37 -0500</pubDate>
<description><![CDATA[Is no exam life insurance a new thing? If you read some of the writings on the subject you would think it is. The fact is that the idea is not new at all. Life insurance companies have been issuing policies on a non medical basis for a very long time.]]></description>
</item>
<item>
<title>Life Insurance - Why We Buy Life Insurance</title>
<link>http://EzineArticles.com/1044564</link>
<guid>http://EzineArticles.com/1044564</guid>
<pubDate>Fri, 14 Mar 2008 10:55:02 -0500</pubDate>
<description><![CDATA[Why do people buy life insurance? We work hard for a living. Sometimes the income earned affords us a comfortable life. In other cases we just barely make ends meet. Why then should we purchase a product that pays when we die? ]]></description>
</item>
<item>
<title>No Medical Exam Life Insurance - What Is Going On Here?</title>
<link>http://EzineArticles.com/980444</link>
<guid>http://EzineArticles.com/980444</guid>
<pubDate>Wed, 13 Feb 2008 10:07:28 -0600</pubDate>
<description><![CDATA[Is this new? The way people act one would think that this is an entirely new idea. The fact is that the "no medical exam" idea is not new at all. It has been around for years.]]></description>
</item>
<item>
<title>The Effect Of Life Insurance - The Death Of A Breadwinner</title>
<link>http://EzineArticles.com/950177</link>
<guid>http://EzineArticles.com/950177</guid>
<pubDate>Mon, 28 Jan 2008 09:20:23 -0600</pubDate>
<description><![CDATA[The effect of life insurance after the death of a breadwinner can be interesting to observe. I guess it would be best to first look at the situation without life insurance. A hypothetical example may also help.]]></description>
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<item>
<title>Whole Life Insurance Options</title>
<link>http://EzineArticles.com/950168</link>
<guid>http://EzineArticles.com/950168</guid>
<pubDate>Mon, 28 Jan 2008 09:19:48 -0600</pubDate>
<description><![CDATA[Whole life insurance is the plan of choice for many people. There are many variations to this plan. It may be a good thing to look at some of them. We will begin by examining the basic whole life policy.]]></description>
</item>
<item>
<title>Term Life Insurance No Physical - Really</title>
<link>http://EzineArticles.com/866788</link>
<guid>http://EzineArticles.com/866788</guid>
<pubDate>Thu, 06 Dec 2007 15:43:37 -0600</pubDate>
<description><![CDATA[Can you really get "term life insurance no physical" exam? Yes you can. The interesting thing is that most life insurance companies are jumping on the bandwagon. No physical life insurance has always been available to younger people. The older you get the smaller the amount available.]]></description>
</item>
<item>
<title>Life Insurance Premiums Reduced - Really Reduced</title>
<link>http://EzineArticles.com/861703</link>
<guid>http://EzineArticles.com/861703</guid>
<pubDate>Tue, 04 Dec 2007 08:12:52 -0600</pubDate>
<description><![CDATA[You pay a lot less for term life insurance today than you would 20 years ago.  A couple of weeks ago I picked up a rate book from one of the finest and largest life insurance companies in the industry. I was just scanning the pages and it occurred to me that the term insurance premiums looked really high. I decided to do a comparison between todays premiums and the premiums of yesteryear. The results were quite surprising.]]></description>
</item>
<item>
<title>Buy Life Insurance - Increase Spendable Income</title>
<link>http://EzineArticles.com/794947</link>
<guid>http://EzineArticles.com/794947</guid>
<pubDate>Tue, 23 Oct 2007 15:50:48 -0500</pubDate>
<description><![CDATA[Have you ever considered that when you buy life insurance you increase your spendable income?  We all have responsibilities that we pay special attention to. We have to save for retirement. ]]></description>
</item>
<item>
<title>Life Insurance Quandary</title>
<link>http://EzineArticles.com/751063</link>
<guid>http://EzineArticles.com/751063</guid>
<pubDate>Thu, 27 Sep 2007 11:21:32 -0500</pubDate>
<description><![CDATA[We all know that at some point in our lives the prudent thing to do is to buy some life insurance. Some people have definite ideas as to the type and amount necessary to fulfill their needs. Others find themselves in a decision making dilemma. These people don't know how much to buy or what type...]]></description>
</item>
<item>
<title>Whole Life And Term - A Good Combination?</title>
<link>http://EzineArticles.com/722695</link>
<guid>http://EzineArticles.com/722695</guid>
<pubDate>Tue, 11 Sep 2007 13:10:46 -0500</pubDate>
<description><![CDATA[Combining whole life and term insurance! Have you ever given that some thought? The life insurance company can create a combination policy for you if that is your desire. This idea works out pretty well for some people.]]></description>
</item>
<item>
<title>Mortgage Protection Insurance - Give It Some Thought</title>
<link>http://EzineArticles.com/686854</link>
<guid>http://EzineArticles.com/686854</guid>
<pubDate>Thu, 16 Aug 2007 13:54:09 -0500</pubDate>
<description><![CDATA[Consider mortgage protection insurance. Have you ever given it any thought? Do you think it would be useful? Do you know how it works? Are you aware of the many options you have as far...]]></description>
</item>
<item>
<title>Whole Life Insurance - Things You Need To Know</title>
<link>http://EzineArticles.com/665719</link>
<guid>http://EzineArticles.com/665719</guid>
<pubDate>Tue, 31 Jul 2007 09:42:34 -0500</pubDate>
<description><![CDATA[It is unfortunate that when you get a whole life insurance quote online much of the important details are omitted. The average person knows little or nothing about this policy. If people had more information they could make a more informed decision on what they are about to purchase.]]></description>
</item>
<item>
<title>Guaranteed Term Life Insurance Policies - Are The Provisions Really Guaranteed?</title>
<link>http://EzineArticles.com/643907</link>
<guid>http://EzineArticles.com/643907</guid>
<pubDate>Mon, 16 Jul 2007 11:36:03 -0500</pubDate>
<description><![CDATA[One of the more loosely used terms when selling most any product is the word "guaranteed." Sometimes there is a measure of validity to it, sometimes not. Fortunately for the life insurance buyer the phrase "guaranteed term life insurance" is for real.]]></description>
</item>
<item>
<title>10 Year, 20 Year And 30 Year Term Life Insurance</title>
<link>http://EzineArticles.com/633732</link>
<guid>http://EzineArticles.com/633732</guid>
<pubDate>Mon, 09 Jul 2007 10:55:15 -0500</pubDate>
<description><![CDATA[Let us take a look at the 10 year, 20 year and 30 year term life insurance policies. You know, you have a bunch of great policies that the public can choose from, however, for some reason there are certain ones that just stand out.]]></description>
</item>
<item>
<title>Life Insurance - Income In Lieu Of A Lump Sum</title>
<link>http://EzineArticles.com/613631</link>
<guid>http://EzineArticles.com/613631</guid>
<pubDate>Thu, 21 Jun 2007 09:49:23 -0500</pubDate>
<description><![CDATA[When we think of life insurance we tend to focus on lump sum cash payments upon the death of the insured. Are you aware that there are alternatives? Did you know that the proceeds of your policy can be distributed in income form instead of a lump sum? ]]></description>
</item>
<item>
<title>Why People Buy Life Insurance</title>
<link>http://EzineArticles.com/587640</link>
<guid>http://EzineArticles.com/587640</guid>
<pubDate>Fri, 01 Jun 2007 09:29:14 -0500</pubDate>
<description><![CDATA[Have you ever considered why people buy life insurance? I know the salesmen and the creators of the policies themselves have thought about it because if they didn't these policies simply wouldn't sell.]]></description>
</item>
<item>
<title>Whole Life Insurance - Tax Advantages</title>
<link>http://EzineArticles.com/572293</link>
<guid>http://EzineArticles.com/572293</guid>
<pubDate>Mon, 21 May 2007 16:27:49 -0500</pubDate>
<description><![CDATA[The tax advantages of owning whole life insurance. Writing about taxes is something that I tend to avoid simply because tax laws can change at any time. One thing that seems to remain constant is the relationship between taxes and the permanent life insurance policy... to be more specific the whole life insurance policy.]]></description>
</item>
<item>
<title>A Life Insurance Policy - A Simple Yet Powerful Document</title>
<link>http://EzineArticles.com/556970</link>
<guid>http://EzineArticles.com/556970</guid>
<pubDate>Wed, 09 May 2007 11:24:42 -0500</pubDate>
<description><![CDATA[Have you ever considered that a life insurance policy is a simple document complicated by a lot of legal jargon. Yes, the legal jargon is designed to protect the policy owner and his or her heirs but it is also designed to protect the life insurance company.]]></description>
</item>
<item>
<title>Term Life Insurance Superiority - Myth or Truth?</title>
<link>http://EzineArticles.com/549623</link>
<guid>http://EzineArticles.com/549623</guid>
<pubDate>Thu, 03 May 2007 09:55:26 -0500</pubDate>
<description><![CDATA[The raging fires of the debate as to whether term life insurance is superior to permanent life insurance have cooled somewhat even though some so called experts hold fast to their beliefs. There are some, even though they have no real qualifications in insurance who hold to to the idea that term is better.]]></description>
</item>
<item>
<title>No Exam Life Insurance - Not New But Innovative</title>
<link>http://EzineArticles.com/548493</link>
<guid>http://EzineArticles.com/548493</guid>
<pubDate>Wed, 02 May 2007 16:37:47 -0500</pubDate>
<description><![CDATA[The idea of no exam life insurance is by no means new. It is a little more liberal than it used to be and we have a new generation embracing the idea. There are many variations but one company makes the idea quite exciting.]]></description>
</item>
<item>
<title>Life Insurance Quote - Term And Whole Life</title>
<link>http://EzineArticles.com/535173</link>
<guid>http://EzineArticles.com/535173</guid>
<pubDate>Sat, 21 Apr 2007 12:20:13 -0500</pubDate>
<description><![CDATA[Buyers tend to request a life insurance quote or several quotes on varying types of policies when they are in the market for life insurance. Some know exactly what type of policy they want but most want to compare quotes.]]></description>
</item>
<item>
<title>Term Life Insurance Has Come A Long Way</title>
<link>http://EzineArticles.com/532354</link>
<guid>http://EzineArticles.com/532354</guid>
<pubDate>Thu, 19 Apr 2007 09:50:30 -0500</pubDate>
<description><![CDATA[I clearly recall the days when term life insurance was something you just didn't buy.]]></description>
</item>
<item>
<title>Life Insurance - The Single Person's Need</title>
<link>http://EzineArticles.com/532186</link>
<guid>http://EzineArticles.com/532186</guid>
<pubDate>Wed, 18 Apr 2007 21:46:19 -0500</pubDate>
<description><![CDATA[Ignoring purchasing life insurance is one of the biggest mistakes that single people can make. Here is why. In your early years you really have very little need for life insurance, or possibly no need at all.]]></description>
</item>
<item>
<title>Personal Life Insurance - The Evolution Of Your Portfolio</title>
<link>http://EzineArticles.com/505408</link>
<guid>http://EzineArticles.com/505408</guid>
<pubDate>Wed, 28 Mar 2007 10:56:48 -0500</pubDate>
<description><![CDATA[You have been hounded by life insurance agents from your senior years in college. You just didn't see the need to buy a policy or may be you just felt you had no need for the product.]]></description>
</item>
<item>
<title>Life Insurance - Reasons Why You Should Buy Now</title>
<link>http://EzineArticles.com/504076</link>
<guid>http://EzineArticles.com/504076</guid>
<pubDate>Tue, 27 Mar 2007 15:20:36 -0500</pubDate>
<description><![CDATA[Should life insurance buying be an urgent matter? There is something about some people that at times may cause them to procrastinate about matters that could end up being quite costly to the individual himself and in some cases the very ones he loves quite deeply.]]></description>
</item>
<item>
<title>Best Term Life Insurance Policy</title>
<link>http://EzineArticles.com/503568</link>
<guid>http://EzineArticles.com/503568</guid>
<pubDate>Tue, 27 Mar 2007 14:46:13 -0500</pubDate>
<description><![CDATA[You want the best term life insurance policy don't you? We live in a world today where we all seem to want the best of everything. Very few people are satisfied with what is "good enough". Everything has to be the best. We want to live in the best home. We want to drive the best car, wear the best clothes and eat the best food.]]></description>
</item>
<item>
<title>Term Insurance Or Permanent - Is There Really A Contest?</title>
<link>http://EzineArticles.com/488873</link>
<guid>http://EzineArticles.com/488873</guid>
<pubDate>Wed, 14 Mar 2007 21:47:30 -0500</pubDate>
<description><![CDATA[Does the "term insurance or permanent insurance" debate still rage? Have people concluded which is best? It is the opinion of this author that there really is no contest. Term insurance and permanent insurance perform in different ways.]]></description>
</item>
<item>
<title>Mortgage Term Life Insurance</title>
<link>http://EzineArticles.com/449913</link>
<guid>http://EzineArticles.com/449913</guid>
<pubDate>Sun, 11 Feb 2007 17:42:57 -0600</pubDate>
<description><![CDATA[Why should one buy mortgage term life insurance? The answer to that question is pretty obvious to most people but just in case there is anyone who doesn't know let us look at the what this policy provides.]]></description>
</item>
<item>
<title>Waiver Of Premium And Accidental Death Benefit Riders</title>
<link>http://EzineArticles.com/447547</link>
<guid>http://EzineArticles.com/447547</guid>
<pubDate>Thu, 08 Feb 2007 15:41:30 -0600</pubDate>
<description><![CDATA[Most life insurance companies offer waiver of premium and accidental death benefit riders. These riders are the less talked about benefits of owning a life insurance policy. They can sometimes make such a big difference when a breadwinner dies.]]></description>
</item>
<item>
<title>Whole Life Vs Universal Life Insurance</title>
<link>http://EzineArticles.com/440747</link>
<guid>http://EzineArticles.com/440747</guid>
<pubDate>Sat, 03 Feb 2007 12:49:06 -0600</pubDate>
<description><![CDATA[You may find it a good idea to look at "whole life vs universal life" insurance. You probably wonder which is best for you and your family.]]></description>
</item>
<item>
<title>Term Life Insurance Explanation</title>
<link>http://EzineArticles.com/426491</link>
<guid>http://EzineArticles.com/426491</guid>
<pubDate>Mon, 22 Jan 2007 18:24:15 -0600</pubDate>
<description><![CDATA[Brief term life insurance explanation. Life insurance companies offer two basic types of policies...term life insurance and permanent life insurance. By far the simplest in structure are the term life policies. They are also favored by most people today because of cost.]]></description>
</item>
<item>
<title>Why A Whole Life Insurance Online Quote</title>
<link>http://EzineArticles.com/397203</link>
<guid>http://EzineArticles.com/397203</guid>
<pubDate>Wed, 27 Dec 2006 19:44:55 -0600</pubDate>
<description><![CDATA[Why you should get a whole life insurance online quote. Separate and apart from the reasons you buy life insurance it may be worth a few minutes of your time to think about getting a whole life insurance online quote.]]></description>
</item>
<item>
<title>Life Insurance Company Performance</title>
<link>http://EzineArticles.com/376839</link>
<guid>http://EzineArticles.com/376839</guid>
<pubDate>Tue, 05 Dec 2006 05:09:41 -0600</pubDate>
<description><![CDATA[The performance of a life insurance company can make a big difference to anyone who buys a life insurance policy. The way some experts talk you would get the impression that all life insurance policies are the same regardless of which company you buy from.]]></description>
</item>
<item>
<title>Is Life Insurance Cost An Important Consideration For You?</title>
<link>http://EzineArticles.com/375852</link>
<guid>http://EzineArticles.com/375852</guid>
<pubDate>Sun, 03 Dec 2006 21:27:36 -0600</pubDate>
<description><![CDATA[The independent agent is certain that his or her life insurance costs are unbeatable because the rates being quoted are from several different companies. Sometimes they are right and sometimes they are dead wrong.]]></description>
</item>
<item>
<title>Buy Term Life Insurance - The Best Time</title>
<link>http://EzineArticles.com/356704</link>
<guid>http://EzineArticles.com/356704</guid>
<pubDate>Sun, 12 Nov 2006 21:09:41 -0600</pubDate>
<description><![CDATA[When is the best time to buy term life insurance? Take a moment to consider when is the best time to buy any type of life insurance. Also think about whether you should buy any life insurance at all. Do you need life insurance? Of course you do...everyone does.]]></description>
</item>
<item>
<title>Permanent Life Insurance</title>
<link>http://EzineArticles.com/338236</link>
<guid>http://EzineArticles.com/338236</guid>
<pubDate>Wed, 25 Oct 2006 19:45:05 -0500</pubDate>
<description><![CDATA[Most Life Insurance Buyers Still Don't Get It. Permanent life insurance can be so valuable to most insurance buyers.]]></description>
</item>
<item>
<title>Why You Should Check Out 25 Year Term Life Insurance</title>
<link>http://EzineArticles.com/289922</link>
<guid>http://EzineArticles.com/289922</guid>
<pubDate>Tue, 05 Sep 2006 02:35:59 -0500</pubDate>
<description><![CDATA[Have You thought about the 25 year term life insurance policy? Could this policy fulfill your life insurance needs?]]></description>
</item>
<item>
<title>Small Business Life Insurance Needs</title>
<link>http://EzineArticles.com/289475</link>
<guid>http://EzineArticles.com/289475</guid>
<pubDate>Mon, 04 Sep 2006 11:36:32 -0500</pubDate>
<description><![CDATA[Have You Given Any Thought To Small Business Life Insurance? What Type Of Business Do You Own? Is your business a Sole Proprietorship? Are you part of a business Partnership? Is your business a Corporation?]]></description>
</item>
<item>
<title>Which Life Insurance Policy Should You Buy?</title>
<link>http://EzineArticles.com/283094</link>
<guid>http://EzineArticles.com/283094</guid>
<pubDate>Mon, 28 Aug 2006 07:52:27 -0500</pubDate>
<description><![CDATA[Which life insurance policy should you buy? You will at some time in your life come to the conclusion that you need to buy some life insurance. You have a pretty good idea how much you need but deciding which life insurance policy is best for your particular need is another question. There are many to choose from. May be if we examine the varying reasons why people buy life insurance and which policy best fits a particular need you would more easily come to a decision.]]></description>
</item>
<item>
<title>Term Insurance Policies Applied To Your Needs</title>
<link>http://EzineArticles.com/282693</link>
<guid>http://EzineArticles.com/282693</guid>
<pubDate>Sat, 26 Aug 2006 23:08:09 -0500</pubDate>
<description><![CDATA[Term insurance is known as temporary insurance. If the correct policy is applied to the correct temporary need it will work well for policy owners. Some needs are short term and some long term but temporary just the same.]]></description>
</item>
<item>
<title>A Buy Sell Agreement Can Make A Big Difference</title>
<link>http://EzineArticles.com/281879</link>
<guid>http://EzineArticles.com/281879</guid>
<pubDate>Fri, 25 Aug 2006 15:26:01 -0500</pubDate>
<description><![CDATA[One of the most powerful business tools is a buy sell agreement. The proper use of this document can have a direct and dramatic effect on the security of your business.]]></description>
</item>
<item>
<title>10 Pay Life Insurance At A Glance</title>
<link>http://EzineArticles.com/281885</link>
<guid>http://EzineArticles.com/281885</guid>
<pubDate>Fri, 25 Aug 2006 15:25:03 -0500</pubDate>
<description><![CDATA[The 10 pay life insurance policy is getting more and more popular every day. What is a 10 pay life insurance policy anyway? How does this type of life insurance work?...]]></description>
</item>
<item>
<title>That Terrible Life Insurance Agent</title>
<link>http://EzineArticles.com/251972</link>
<guid>http://EzineArticles.com/251972</guid>
<pubDate>Tue, 25 Jul 2006 15:31:40 -0500</pubDate>
<description><![CDATA[Oh, it's that life insurance agent - I don't want to see her. You've had a hard day at work. One employee arrived late while you had a long line of customers waiting to pay for their goods.]]></description>
</item>
<item>
<title>Winning The Life Insurance Game</title>
<link>http://EzineArticles.com/218564</link>
<guid>http://EzineArticles.com/218564</guid>
<pubDate>Tue, 13 Jun 2006 13:33:48 -0500</pubDate>
<description><![CDATA[It may seem that winning the life insurance game is the mission of life insurance companies. To the companies themselves and to the agents this is very serious business. The important thing to bear in mind is that insurance companies guard their reputations with tremendous zeal.]]></description>
</item>
<item>
<title>Disability Insurance</title>
<link>http://EzineArticles.com/218558</link>
<guid>http://EzineArticles.com/218558</guid>
<pubDate>Tue, 13 Jun 2006 13:07:43 -0500</pubDate>
<description><![CDATA[Disability Insurance has been around for a very many years. It used to be referred to as income replacement insurance by some insurance companies. Because some of the definitions can be quite unintentionally misleading I ask you to take some time to absorb each detail of this article.]]></description>
</item>
<item>
<title>Best Term Insurance</title>
<link>http://EzineArticles.com/218552</link>
<guid>http://EzineArticles.com/218552</guid>
<pubDate>Mon, 12 Jun 2006 20:56:57 -0500</pubDate>
<description><![CDATA[Best Term Insurance. Are you in the market for term insurance? Do you want to eliminate the hassle of doing all the research yourself? Of course you do.]]></description>
</item>
<item>
<title>Types Of Life Insurance Policies</title>
<link>http://EzineArticles.com/215224</link>
<guid>http://EzineArticles.com/215224</guid>
<pubDate>Thu, 08 Jun 2006 05:07:06 -0500</pubDate>
<description><![CDATA[The number and different types of life insurance can cause much confusion to the new life insurance agent and in some cases to the life insurance buyer.]]></description>
</item>
<item>
<title>Term Life Insurance Has Become Permanent - Almost</title>
<link>http://EzineArticles.com/214912</link>
<guid>http://EzineArticles.com/214912</guid>
<pubDate>Wed, 07 Jun 2006 17:36:25 -0500</pubDate>
<description><![CDATA[There were two types of life insurance you could consider if you wanted to buy life insurance...term life insurance or permanent.]]></description>
</item>
<item>
<title>Affordable Life Insurance</title>
<link>http://EzineArticles.com/201765</link>
<guid>http://EzineArticles.com/201765</guid>
<pubDate>Sat, 20 May 2006 09:02:48 -0500</pubDate>
<description><![CDATA[In your quest to find affordable life insurance be sure to examine all relevant information. The life insurance agent and sometimes and the life insurance company have conditioned the public into thinking that term life insurance is the only type of policy worthy of your consideration.]]></description>
</item>
<item>
<title>Life Insurance</title>
<link>http://EzineArticles.com/165893</link>
<guid>http://EzineArticles.com/165893</guid>
<pubDate>Wed, 22 Mar 2006 20:06:03 -0600</pubDate>
<description><![CDATA[The idea of using life insurance to solve financial problems after death is almost as old as the hills. People have a tendency to approach this in a manner that can be described as too casual at times. Sometimes sufficient thought is not given to the impact on the family if the breadwinner, or breadwinners, do not own sufficient insurance to replace the incomes after death.]]></description>
</item>
<item>
<title>Looking For Affordable Term Life Insurance?</title>
<link>http://EzineArticles.com/165898</link>
<guid>http://EzineArticles.com/165898</guid>
<pubDate>Wed, 22 Mar 2006 20:03:07 -0600</pubDate>
<description><![CDATA[It is not too difficult to find affordable term life insurance. There is so much competition between life insurance companies to keep down rates that almost all term life insurance premiums are affordable for most buyers of life insurance. The thing that you need to pay attention to is the life insurance company you deal with.]]></description>
</item>
<item>
<title>Level Term Life Insurance</title>
<link>http://EzineArticles.com/121589</link>
<guid>http://EzineArticles.com/121589</guid>
<pubDate>Mon, 02 Jan 2006 13:49:09 -0600</pubDate>
<description><![CDATA[Buying level term life insurance is a simple matter if we know exactly what type we want before hand. There are several types to choose from; each serving a different need and each bought for a different purpose.]]></description>
</item>
<item>
<title>Partnership Life Insurance</title>
<link>http://EzineArticles.com/119501</link>
<guid>http://EzineArticles.com/119501</guid>
<pubDate>Thu, 29 Dec 2005 07:57:36 -0600</pubDate>
<description><![CDATA[A partnership is fairly simple to set up. Two or more people get together with the intent of going into business; they get the appropriate licenses and file the necessary papers with the State and you are in business. When the areas of expertise of these people compliment each other the situation is ideal.]]></description>
</item>
<item>
<title>Two Great 30 Year Term Insurance Policies</title>
<link>http://EzineArticles.com/113328</link>
<guid>http://EzineArticles.com/113328</guid>
<pubDate>Thu, 15 Dec 2005 06:46:51 -0600</pubDate>
<description><![CDATA[I recently did some research on the development of the 30 year term insurance policy over the years. What I learned was quite interesting. Because of the tremendous interest in term insurance the life insurance companies have greatly improved this policy.]]></description>
</item>
<item>
<title>Mortgage Insurance - Mortgage Life Insurance</title>
<link>http://EzineArticles.com/113044</link>
<guid>http://EzineArticles.com/113044</guid>
<pubDate>Wed, 14 Dec 2005 13:51:40 -0600</pubDate>
<description><![CDATA[Mortgage Insurance. You graduate high school and you enter college. You put in four years of intensive study and you graduate. You find a job that is just perfect for you. You reward yourself for your achievement by splurging a bit. Now it is time to put your nose to th grindstone and do some serious saving because you want to own your own house.]]></description>
</item>
<item>
<title>Why Would You Get A Life Insurance Quote And Subsequently Buy Life Insurance?</title>
<link>http://EzineArticles.com/113031</link>
<guid>http://EzineArticles.com/113031</guid>
<pubDate>Wed, 14 Dec 2005 13:19:37 -0600</pubDate>
<description><![CDATA[Getting the ideal life insurance quote and subsequently purchasing your policy is a fairly simple process. Have you ever thought about why we do it?]]></description>
</item>
<item>
<title>Mortgage Life Insurance &amp; Mortgage Redemption and Cancellation Life Insurance</title>
<link>http://EzineArticles.com/104244</link>
<guid>http://EzineArticles.com/104244</guid>
<pubDate>Tue, 29 Nov 2005 19:49:23 -0600</pubDate>
<description><![CDATA[Mortgage life insurance is one of the most important life insurance policies a person who owns a home can buy. Since the ownership of this home is probably the largest investment for most people it is imperative that your investment be protected in the event of premature death.]]></description>
</item>
<item>
<title>Viatical Settlements, Or Life Insurance Settlements</title>
<link>http://EzineArticles.com/104259</link>
<guid>http://EzineArticles.com/104259</guid>
<pubDate>Tue, 29 Nov 2005 19:45:27 -0600</pubDate>
<description><![CDATA[When I first heard of viatical settlements, or life insurance settlements, I shuddered at such a dastardly idea. I even put into words my deep feelings. You see I spent many years in the life insurance business and have seen the product work for the betterment of so many. I could not conceive of a pleasant result when one deprives the beneficiaries of what was due them.]]></description>
</item>
<item>
<title>The 5 Year Term Life Insurance Policy Or Rider</title>
<link>http://EzineArticles.com/104260</link>
<guid>http://EzineArticles.com/104260</guid>
<pubDate>Tue, 29 Nov 2005 19:05:28 -0600</pubDate>
<description><![CDATA[5 year term life insurance has been around in insurance circles for a very long time. It can be sold as a policy or as a rider to a permanent life insurance policy. It was never promoted much by life insurance agents perhaps because of it's extremely low premium which results in a very low commission.]]></description>
</item>
<item>
<title>10 Year Term Life Insurance In All Its Glory</title>
<link>http://EzineArticles.com/104251</link>
<guid>http://EzineArticles.com/104251</guid>
<pubDate>Tue, 29 Nov 2005 19:01:25 -0600</pubDate>
<description><![CDATA[If you are looking for inexpensive life insurance may be the 10 year term life insurance policy would fit your need perfectly. This is life insurance in its simplest form. The policy contains a guaranteed death benefit from the outset and a guaranteed level premium.]]></description>
</item>
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