Term Life Insurance. What Is It All About?

What is term life insurance? You have an interest in buying term life insurance, that is why you are reading this article, and you want to know how it really works. Right? Well, there are many types of term life insurance. Here is a brief explanation as to how each one works.

Decreasing Term Life Insurance

Decreasing term life insurance is very popular with home owners and mortgage companies. The homeowners want to know that the mortgage is paid off if they should prematurely die, and the mortgage company want to be assured that they are repaid the money loaned to the homeowner. The face amount of these policies decrease in a uniformed manner each year as the balance owed on the mortgage decreases, and the premium remains level. This is very inexpensive life insurance.

Increasing Premium Term Life Insurance

This is initially the cheapest term life insurance you can buy. The death benefit remains level for the duration, however, the premiums increase every year and as a result this may turn out to be the most expensive term life insurance you can buy. If you should purchase this policy it would be wise to convert to a level plan as quickly as possible.

5 Year Level Term Insurance

The face amount of this policy remains level for the entire 5 year period and so does the premium. Upon death the face amount is paid either in one lump sum or in the form of an income. If you have a short term need for life insurance, like covering a bank loan, then this may be the plan for you.

10 Year Term Life Insurance

Like the 5 year term life insurance policy, the ten year term life policy can be used to cover a bank loan, but it can do considerably more. It can be used for family protection and a myriad of other needs. The face amount of the policy remains level for the duration and so does the premium. Some companies allow you to continue the policy after 10 years with an increase in premium.

20 Year Term Life Insurance

The 20 year term life insurance policy is probably the most popular of term life policies. The death benefit remains level for the duration and in some cases so does the premium. With some companies, however, the premiums increase after the first 10 years to reflect the cost of the additional risk to which the insurance company is exposed as the insured gets older. All in all, the 20 tear term life insurance policy is fairly inexpensive and does the job it is intended to do.

Unlike whole life insurance, universal life insurance or variable life insurance, term life insurance does not have cash values or earn dividends. There is a fairly new type of term life insurance policy, however, called a return of premium policy which returns all your premiums at the end of the term period, if you do not die. The premiums are so high it may not be worth your while to buy this type of term policy.

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Factors that Determine Life Insurance Rates

Term life insurance policies provide a limited coverage period, which is determined by the policy owner. Term life insurance rates are actually the cheapest form of life insurance, but there are different rates for different people. This is because once the term of the policy is up you don’t receive any payout from the policy. If you take out life insurance at a young age, you will get much better term life insurance rates than if you wait until you are older.

The total cost of your term life insurance rates can be tricky. Some term life insurance policies appear to cost more, but may, in fact, be cheaper when you look at the total cost of the term life insurance policy. For example, annual renewable policies increase your premiums every year and thus may appear to be more expensive than level term policies where the premiums never increase (although the initial premiums for a level term policy will be higher). But, in fact, level premium policies may involve higher costs over the policy’s full term, and become particularly expensive when you try to renew your policy at the end of the term. This is why you do have to compare term life insurance quotes.

Some of the factors that influence your term life insurance rates are:
· Whether or not you smoke. Tobacco users are twice as likely to die as non tobacco users while they are insured. Life insurance companies take this into account when they set their premium and cash benefits levels. You can save from 20% to 30% on premiums by quitting smoking.

· Medical Record. If you have a terminal illness, it is unlikely that any life insurance company will issue a policy. In the case of heart disease, you will get a policy but your rates will be high

· Occupation. if you work in a dangerous occupation, such as working on a ship that carries gas, this will put you into a higher bracket when it comes to getting rates for term insurance. You will have to shop around to compare term life insurance quotes if you are in this category.

Term life insurance rates vary a lot, and you can do something about your premiums by taking some decisions to become more healthy, like giving up smoking.

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Save Thousands on Your Taxes


GET THE BASIC ESSENTIALS TO SAVING THOUSANDS ON YOUR TAXES
– EVERYTHING IS INCLUDED.
THERE IS NOTHING ELSE TO BUY.

1.
YOU’LL LEARN THE SPECIFICS

“Home Business Tax Savings, Made Easy!” – the ONLY “plain English”
guide to tax deductions passed by Congress specifically for home-based
businesses. Learn what they are, and how to easily qualify for them.

2. I’LL “TALK YOU THROUGH IT”
Four recorded 1-hour tele-coaching sessions. Let the author himself “talk you
through the book.” Listen while commuting, jogging — whenever you want.


3.
YOUR QUESTIONS WILL BE ANSWERED
VIP access to Ron Mueller’s LIVE Q&A calls for 3 FULL MONTHS. Get
answers to an unlimited number of questions on home-business tax topics.


4.
HOW ABOUT A THREE-MINUTE RECORDKEEPING SYSTEM?
“Test-drive” the world’s easiest system for maintaining bullet-proof records in
3-4 minutes a day! Enjoy a two-week trial membership. Information you will
need in order to activate this trial account will be emailed to you within the
next 24 hours.

 

Just FOUR HOURS from now, you can be
SLASHING Your TAXES by THOUSANDS!


PLUS
, get these
TWO IMPORTANT BONUSES!

1. FREE UPDATES AND TAX TIPS at NO COST!for LIFE!
Tax laws are constantly changing, but when they do, YOU will be the FIRST
to know. Urgent Alerts and Tax Tip emails will keep you up-to-date.

2. GET EVEN MORE TAX SAVINGS SECRETS
After this course you can continue learning even more tax-savings secrets
Ron Mueller’s “Tax Savings Secrets Club” provides you with FOUR new,
additional tax-savings secrets every month for six months. That’s 26 new
tax-savings strategies that go beyond this course. Is this right for you? We
don’t know, so we’ll give you a 1-month free trial membership so you can
find out for yourself. No contracts. No obligations. Just try it for free.

Click This Link to Get Ron Mueller’s Easy Step-By-Step Guide Now!

“Home Business Tax Savings, Made Easy!”

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Foreclosure Cleanup Businesses

Cleaning Foreclosed Homes

If you are like most people today, you are working hard to make ends meet. Many of us have lost our jobs, our homes, and our businesses. The good news is that this recession has opened up a new income opportunity.

Foreclosure Cleanup Businesses – Recession Proof Income

People are making more income cleaning foreclosed homes than they were in their former jobs. There are hundreds of thousands of homes being foreclosed every month. A lot of these foreclosures cannot be put on the market in their current condition and in many areas, banks are being fined $1000 per day for unkempt foreclosed homes. They would much rather pay someone once to clean up the property, than pay daily fees.

This is a great home-based business that anyone can do.

  • You don’t need a lot of start-up money.
  • You don’t need to know anything about the foreclosure industry.
  • You don’t even need to do the cleaning and repairing yourself.

Foreclosure Cleanup Cash Program

Les Tyler, author of the Foreclosure Cleanup Cash Program, has put together over 200 pages of first hand knowledge to help you get started in your own business in 7 days or less. Les is one of the best in the foreclosure cleanup business, and you’ll learn everything you need to know directly from her personal experience. She teaches you:

  • How to Legally Set Up Your Business
  • What Equipment You’ll Need
  • How to Bid a Job
  • How to Market Your Business
  • How to Subcontract the Repairs
  • Much More

The goal of this program is to teach you how to quickly and properly start up your own property preservation company, how to market your services to the right contacts in the right way and how to manage your company so that you’ll consistently turn a profit.

At the end of the day, there is nothing more satisfying than being your own boss and, unlike an employee, knowing that there’s no limit to the income you can earn if you work hard at it. This is an amazing opportunity to turn this economy into a profitable time for you and your family.

Foreclosure Cleanup Cash Program #2

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Home Business Tax Savings

Why Pay More Taxes Than Your Fair Share?

Most home business owners pay way more taxes than they should because they aren’t aware of the thousands of dollars worth of 100% legal deductions for home businesses. Not knowing about these deductions costs the average taxpayer $3000 to $6000 per year in overpaid taxes.

Home Business Tax Savings MADE EASY! explains these deductions and how to qualify for them. This easy to read book will guide you step-by-step explain exactly how to qualify for big tax breaks available to home-based business owners and how to keep bullet-proof tax records.

It is the Only Plain English Guide to Home-Based Business Tax Savings.

Author Ronald R. Mueller, MBA, Ph.D., former investigative journalist, spent a full year identifying dozens of deductions passed by Congress for the specific purpose of encouraging home-based businesses. Then he traced each to the precise law, article in the Tax Code, or Tax Court Ruling that authorized it.

But he says the most important aspect of this work was “translating the convoluted language of the Federal Tax Code into ‘plain English’ that the average person can easily understand and quickly use.” His ‘translation’ skills were validated when the IRS, after evaluating the book, didn’t require, or even request, even a single change.

MORE You KNOW, the LESS You OWE!

All of us are bombarded every day with people/companies trying to get us to spend our money with them. The difference here is that if you follow Ron’s guidance, you will SAVE money. No matter how much you spend on Ron’s services or products, you will end up saving multiple times the amount that you spent, guaranteed! The more knowledgeable you are about the tax law, the more money you save, and that’s it.

Robert G. Allen, NY Times #1 bestseller, says:

“Everyone with a home-based business needs Ron Mueller’s book. Anyone without a home-based business needs it even more! All of my own businesses are based in my home for the very reasons Ron so clearly describes.”

This book is for YOU, if you are…

  1. Making a profit in your home-based business, or
  2. Not making a Profit in your home-based business, or
  3. Think you can’t afford to get into a home-based business, or
  4. Thinking about quitting your home-based business, or
  5. Heard it before, but need a Refresher, or have no idea what they are.

Get Ron Mueller’s Easy Step-By-Step Guide Now!


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Home School Business Course For Teens

Why Teach Kids Business?

82% of high school students surveyed said they would like to start a business someday…but less than 50% of them had any idea of where to start.

The average college education costs $100,000! Running a business part time during high school will open doors to scholarships and help earn money for tuition! Recession-proof yourself and your children by teaching them basic entrepreneurial principles in a safe environment . . .with you by their side. It’s why you home school, right?

The Best Time To Start A Home Business Is Now.

Twenty-four Fortune 500 companies have invested $1,000,000 or more EACH into entrepreneurial training programs. Microsoft donated two million dollars to create a state of the art business simulator for entrepreneurship education. Entrepreneurship will soon be an essential part of every high school education. This is one of the few entrepreneur courses available right now for those who home school.

This Is One Course You Won’t Have To Tell Them To Work On!

With the Nine-Week Home School Entrepreneur Course, your teen can learn the basics of entrepreneurship, start a business and earn high school credit all at the same time. The typical business textbook focuses on big business principles and corporate strategies that seem very unrealistic to the average teen. Their eyes will light up as they see their idea turn into a small business.

This course has been set-up to make it easy to teach, even if you don’t have any business experience. Here are some of the features of the Nine-Week Home School Entrepreneur Course:

  • How to write a simple business plan from an easy to follow outline
  • How to choose a name that the search engines LOVE
  • How to set your prices
  • Where to find customers
  • How to advertise on a shoestring
  • How to write a basic budget
  • How to know what you need to keep it legal
  • How to set up a simple bookkeeping system
  • How to write a press release announcing your business
  • Where to find suppliers
  • Places to find *FREE* resources like business cards, web sites, and advertising!

The Ability To See An Opportunity Can Be Taught!

“We’re all just one idea away from untold wealth” -Dr. P.E. Humbert

…. But what if you have no idea what to do with that million-dollar idea?

Knowing the basics of how to start a business will give your teen the confidence to know exactly what to do when they see that “once in a lifetime” opportunity before it passes them by!

Click On This Link To Get More Information


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Teach Your Teen How To Start A Business!

Small Business Course For Teens

While many families have a wealth of business experience, it isn’t always easy to teach entrepreneurial principles to their teen. While there are many resources available (business textbooks, online resources, personal experience, etc.) many parents find it hard to know where to start.

The Home School Entrepreneur Course is a logical, step-by-step program that was developed for Home School families but can be used by anyone. The course is set-up as a nine week, Monday-Friday lesson plan, but can easily be modified to fit your family’s schedule. With this course it is easy to teach your teen how to start a business, recognize opportunities in the marketplace, and develop an entrepreneurial mind.

The Best Time To Start A Home Business Is Now.

The average college education costs $100,000! Running a business part time during high school will open doors to scholarships and help earn money for tuition! Recession-proof yourself and your children by teaching them basic entrepreneurial principles.

Why 90% Of New Businesses Fail:

According to the Center for Entrepreneurial Education, the top reasons that 90% of new businesses fail in their first year is poor management and the lack of a thorough business plan. It takes more than some capital and a good idea to have a successful business.

While nine weeks isn’t enough time to teach your teen everything, they will learn the basics that could save them thousands of dollars down the road. Some of the most important things this course teaches are research skills, budgeting, and price setting, and simple bookkeeping.

Entrepreneurial Training Is Emerging As A Critical Element In The Training Of The Next Generation.

Twenty-four Fortune 500 companies have invested $1,000,000 or more EACH into entrepreneurial training programs. Microsoft donated two million dollars to create a state of the art business simulator for entrepreneurship education. Entrepreneurship will soon be an essential part of every high school education. This is one of the few courses available right now for those who want to teach these important skills to their children.

The Ability To See An Opportunity Can Be Taught!

“We’re all just one idea away from untold wealth” -Dr. P.E. Humbert

…. But what if you have no idea what to do with that million-dollar idea?

Knowing the basics of how to start a business will give your teen the confidence to know exactly what to do when they see that “once in a lifetime” opportunity before it passes them by!

Click On This Link To Get More Information.

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