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		<title>Whitney Houston Life Insurance</title>
		<link>http://www.texastermbroker.com/uncategorized/whitney-houston-life-insurance/</link>
		<comments>http://www.texastermbroker.com/uncategorized/whitney-houston-life-insurance/#comments</comments>
		<pubDate>Sun, 12 Feb 2012 02:12:42 +0000</pubDate>
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<p><iframe width="555" height="416" src="http://www.youtube.com/embed/u77T6wDSDAw?fs=1&#038;feature=oembed" frameborder="0" allowfullscreen></iframe></p>
<p>Whitney Houston had her fair share of chart-toppers, even posthumously on iTunes and Amazon, and though the superstar&#8217;s finances took a hit during her personal struggles, it is still believed to be a substantial estate that will only get larger.</p>
<p>While there were recent reports that Houston was struggling financially, the sales of her music after her death will improve the condition of her estate, as will the fact that she&#8217;ll no longer be burning through cash. Michael Jackson sold over 8 million albums in the U.S. alone in the six months after his death, and close to 30 million worldwide.</p>
<p>Although details of her estate and will have not been made public it is believed that her only child, daughter Bobbi Kristina Brown, 18, will be the main beneficiary. Houston had a will and the estate process is ongoing, according to a source familiar with her affairs.</p>
<p>Zach Greenburg, Forbes writer, said Whitney Houston will not match Jackson&#8217;s postmortem earnings, but if her music sells even half as well as Jackson&#8217;s did, her artist royalties alone could bring the estate more than $10 million in the coming year.</p>
<p>Houston made millions for her roles in &#8220;The Bodyguard&#8221; in 1992 and &#8220;The Preacher&#8217;s Wife&#8221; in 1996, the latter for which she reportedly earned $10 million. And in 2001, Houston renewed her contact with Arista Records, signing a $100 million deal, one of the biggest recording deals in the history of the music business, Variety reported at the time. The deal called for at least six albums and two greatest-hits compilations. Her comeback album, &#8220;I Look to You,&#8221; was released in 2009.</p>
<p>Houston is the 20th top-selling artist in the U.S. of all time, selling 55 million records, according to the Recording Industry Association of America. The single, &#8220;I Will Always Love You,&#8221; from &#8220;The Bodyguard&#8221; soundtrack is the longest running number one single from a soundtrack album.</p>
<p>Houston&#8217;s &#8220;Nothing but Love&#8221; world tour, from December 2009 through June 2010, was her last. The tour, her first in ten years, grossed millions of dollars.</p>
<p>Keith Caulfield, Billboard&#8217;s associate director of charts, said while Houston&#8217;s sales will not come close to the financial success of Michael Jackson, who had publishing, song-writing and recording royalties, her greatest hits album will re-enter Billboard&#8217;s Top 10 chart possibly this week. Already, 50,000 were sold in the first day or two after her death.</p>
<p>However, Caulfield said it is difficult to estimate how much Houston will receive because how her contract was structured is unknown.</p>
<p>&#8220;Certainly, we would expect that her estate won&#8217;t be broke,&#8221; said Andrew Mayoras, attorney and co-author of the book, Trial &amp; Heirs: Famous Fortune Fights!, even if the reports of her financial struggles were true.</p>
<p>A source familiar with Houston&#8217;s financial situation told ABCNews.com that &#8220;she was far from broke.&#8221;</p>
<p>The surging sales of Whitney Houston&#8217;s music may be a large boost to her estate, as with other artists after they have passed away. Jimi Hendrix is an example of an estate which grew from almost nothing into a huge, multi-million dollar venture, said Mayoras.</p>
<p>Houston also completed the filming of &#8220;Sparkle,&#8221; produced by Sony&#8217;s TriStar Pictures, and it is scheduled to be released in September. Houston plays the mother of &#8220;American Idol&#8217;s&#8221; Jordin Sparks in the film.</p>
<p>Andrew Katzenstein, estate lawyer with Proskauer Rose LLP in Los Angeles, said it is difficult to estimate her royalties because her earnings will be multiplied by an unknown formula, possibly dependent on the recent sales of her songs. He also said her earnings could be less with digital distribution, through services like iTunes.</p>
<p>&#8220;But she&#8217;s an international star, and her music was fantastic,&#8221; Katzenstein said.</p>
<p>Like other celebrities, Houston also had public financial and legal tangles, including struggling with drugs and alcohol. After her divorce with R&amp;B artist, Bobby Brown, in 2007, Brown reportedly sued Houston for custody and spousal support.</p>
<p>Bobby Brown said he was &#8220;deeply saddened at the passing of my ex-wife.&#8221;</p>
<p>&#8220;At this time, we ask for privacy, especially for my daughter, Bobbi- Kristina,&#8221; he said in a statement. &#8220;I appreciate all of the condolences that have been directed towards my family and I at this most difficult time.&#8221;</p>
<p>Her stepmother sued Houston over a $1 million life insurance policy from her late father, John Houston.</p>
<p>Houston had lent her father $723,800 in August 1990 for the purchase and renovation of a home in New Jersey in which he lived with his wife, Barbara. When John Houston died in February 2003, he bequeathed all his assets to his widow.</p>
<p>&#8220;Although Barbara and Whitney may be considered stepmother and daughter, that relationship never really jelled,&#8221; the court filing stated.</p>
<p>Barbara inherited the property, though Whitney owned the mortgage on the house and was the named life insurance beneficiary. But Barbara claimed the life insurance money was meant to repay Whitney for that mortgage. When Whitney refused to credit the life insurance money against the mortgage, Barbara sued in 2008.</p>
<p>Though the case was finally dismissed in December, Houston&#8217;s attorney, Bryan Blaney, told ABC News on Monday Houston had planned to file a complaint to have her stepmother evicted from the property.</p>
<p>&#8220;It&#8217;s no different that it&#8217;s her property, or the property of her estate, which would go to her daughter or whoever her beneficiary is,&#8221; Blaney said.</p>
<p>Blaney said the complaint was prepared before Houston&#8217;s death but it has not been filed for reasons &#8220;unrelated to anything of significance.&#8221; He said he expects to be updated by her manager.</p>
<p>&#8220;I don&#8217;t think there will be any reason not to file the complaint,&#8221; Blaney said. &#8220;I can only tell you there&#8217;s a whole lot of things going on with the folks right now in regards to her manager and family members.&#8221;</p>
<p>Blaney said he was &#8220;devastated&#8221; by the loss of Houston, who was a &#8220;tremendous&#8221; person.</p>
<p>&#8220;I always thought it was sad that people would reach out to make her life more difficult than it needed to be,&#8221; he said. &#8220;I always found her to be a sensitive and nice person and whatever issues she might have had, I can&#8217;t comment. I don&#8217;t know them.&#8221;</p>
<p>Blaney represented Houston to dismiss the charge of drug possession in her suitcase at an airport in Hawaii in 2000.</p>
<p>&#8220;I think she became an easy target for tabloids,&#8221; he said. &#8220;There were instances that were plainly unfair in tabloid editions of her just to sell newspapers.&#8221;</p>
<p>Barbara Houston, who declined to comment, continues to reside in the property in Fort Lee, N.J., her attorney, Gilberto Garcia, said.</p>
<p>&#8220;It&#8217;s a sad thing what happened for everyone involved,&#8221; Garcia said of Whitney Houston&#8217;s death. &#8220;She was a great figure and a great voice. She was a good daughter to her father.&#8221;</p>
<p>Garcia said Barbara Houston sent condolences to Houston&#8217;s attorney.</p>
<p>&#8220;My client is quite shaken up by this,&#8221; Garcia said. &#8220;I don&#8217;t know that the case matters much in comparison to everything that&#8217;s going on.&#8221;</p>
<p>Mayoras said he assumes Houston used life insurance of some type to protect her daughter, Bobbi Kristina, regardless of reports of any financial struggles.</p>
<p>The state of the multiple Grammy and Billboard music award winner&#8217;s finances are unknown at the time of her unexpected death. Her estate will profit from royalties for future sales of her songs, as well as licensing deals for her name, image and likeness.</p>
<p>Ideally, Houston would have set up at least a revocable living trust to provide for her daughter, so she doesn&#8217;t receive everything at once, Mayoras said.</p>
<p>&#8220;Most people with even a modest amount of wealth use trusts to control how and when their money is passed,&#8221; he said. &#8220;For example, we would hope Whitney would have spaced out Bobbi Kristina&#8217;s distributions over time, so that she would receive a percentage as she reaches certain ages. Most 18-year-olds are not mature enough to handle a substantial inheritance.&#8221;</p>
<p>Ideally, Whitney would have named a trust as the beneficiary of any life insurance, Mayoras said. Otherwise the money would go directly to the named beneficiary, possibly Bobbi-Kristina.</p>
<p>Depending on whether updated she updated her documents after her divorce from Bobby Brown, there could be complications if he is named as a beneficiary, Mayoras said.</p>
<p>&#8220;Hopefully, she would have taken steps to update her documents to eliminate anything going to Bobby Brown, &#8221; Mayoras said, &#8220;unless, of course, she wanted him to receive something. But many people don&#8217;t take the time to update their estate planning documents after a divorce.&#8221;</p>
<p>Houston did sell a home in Alpharetta, Ga. for $1.19 million in May 2007, shortly after the divorce, for which Houston had received a notice of default. Houston bought the home in 2003 for $1.38 million by taking out a 15-year mortgage for $1.1 million, according to public records. The home was where the 2005 reality television show, &#8220;Being Bobby Brown,&#8221; was filmed. Houston had a county tax lien on the property for $17,644 in December 2005, according to public records.</p>
<p>Houston had a handful of properties that she unloaded or tried to unload recently. She also sold a house in Mendham, N.J. for $940,000 in January 2010. She also listed another home in Mendham for $2.5 million in 2009, Zillow reported. Houston reportedly owned a home in New Bergen, N.J. that she bought in 1989 for $955,000.</p>
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<p>&nbsp;</p>
<p>Without doubt this news you hear today is stuffed with tales from the early dying of pop star Whitney Houston.  It&#8217;s another tragic finish to some existence cut way too short.  I&#8217;m not taking a chance how she died or why.  I only desire to explain that existence can finish very all of a sudden for anybody anytime!  That&#8217;s the life insurance coverage consultant within me.</p>
<p>While I must admit I wasn&#8217;t a large follower of Ms. Houston, I can tell in the amount of reviews, blogs and posts that there have been many people who have been very keen on her. It is indeed my hope that good quality may come out of this tragedy which it&#8217;ll keep others from making exactly the same mistakes.</p>
<p>Like a life insurance coverage fanatic, the very first factor that found my thoughts was I question just how much life insurance coverage this 48yr old lady had and when she&#8217;d done any estate planning.  When individuals die this youthful, many occasions estate planning hasn&#8217;t entered their mind.  You will find lots of tales available that highlight this statement. Actually, we&#8217;ve used this fact in our marketing pieces.  It&#8217;s known as Much More Training From Notoriously Bad Estate Planning and that we provide to financial experts hoping that they&#8217;ll make use of the details to assist them to convince their customers to organize.  The piece does the selling for you personally! You create it for your customers plus they take about ten minutes to take a look and you request these to let you know about their estate planning.  Hopefully they let you know their exact plans.  Odds are they cannot.  Otherwise, guess what happens to complete next.</p>
<p>Again, I don’t want to minimize the death of Whitney Houston but it does give us the chance to talk to clients about what we do and why we do it.  We are there in the lowest point in people’s lives and can give them support like no other profession</p>
<p>LOS ANGELES (AP) — Whitney Houston, who ruled as pop music&#8217;s queen until her majestic voice and regal image were ravaged by drug use, erratic behavior and a tumultuous marriage to singer Bobby Brown, has died. She was 48.</p>
<p>Houston&#8217;s publicist, Kristen Foster, said Saturday that the singer had died, but the cause and the location of her death were unknown.</p>
<p>News of Houston&#8217;s death came on the eve of music&#8217;s biggest night — the Grammy Awards. It&#8217;s a showcase where she once reigned, and her death was sure to case a heavy pall on Sunday&#8217;s ceremony. Houston&#8217;s longtime mentor Clive Davis was to hold his annual concert and dinner Saturday; it was unclear if it was going to go forward.</p>
<p>&#8220;I am absolutely heartbroken at the news of Whitney&#8217;s passing,&#8221; music producer Quincy Jones said in a written statement. &#8220;I always regretted not having had the opportunity to work with her. She was a true original and a talent beyond compare. I will miss her terribly.&#8221;</p>
<p>At her peak, Houston the golden girl of the music industry. From the middle 1980s to the late 1990s, she was one of the world&#8217;s best-selling artists. She wowed audiences with effortless, powerful, and peerless vocals that were rooted in the black church but made palatable to the masses with a pop sheen.</p>
<p>Her success carried her beyond music to movies, where she starred in hits like &#8220;The Bodyguard&#8221; and &#8220;Waiting to Exhale.&#8221;</p>
<p>She had the he perfect voice, and the perfect image: a gorgeous singer who had sex appeal but was never overtly sexual, who maintained perfect poise.</p>
<p>She influenced a generation of younger singers, from Christina Aguilera to Mariah Carey, who when she first came out sounded so much like Houston that many thought it was Houston.</p>
<p>But by the end of her career, Houston became a stunning cautionary tale of the toll of drug use. Her album sales plummeted and the hits stopped coming; her once serene image was shattered by a wild demeanor and bizarre public appearances. She confessed to abusing cocaine, marijuana and pills, and her once pristine voice became raspy and hoarse, unable to hit the high notes as she had during her prime.</p>
<p>&#8220;The biggest devil is me. I&#8217;m either my best friend or my worst enemy,&#8221; Houston told ABC&#8217;s Diane Sawyer in an infamous 2002 interview with then-husband Brown by her side.</p>
<p>It was a tragic fall for a superstar who was one of the top-selling artists in pop music history, with more than 55 million records sold in the United States alone.</p>
<p>She seemed to be born into greatness. She was the daughter of gospel singer Cissy Houston, the cousin of 1960s pop diva Dionne Warwick and the goddaughter of Aretha Franklin.</p>
<p>Houston first started singing in the church as a child. In her teens, she sang backup for Chaka Khan, Jermaine Jackson and others, in addition to modeling. It was around that time when music mogul Clive Davis first heard Houston perform.</p>
<p>&#8220;The time that I first saw her singing in her mother&#8217;s act in a club &#8230; it was such a stunning impact,&#8221; Davis told &#8220;Good Morning America.&#8221;</p>
<p>&#8220;To hear this young girl breathe such fire into this song. I mean, it really sent the proverbial tingles up my spine,&#8221; he added.</p>
<p>Before long, the rest of the country would feel it, too. Houston made her album debut in 1985 with &#8220;Whitney Houston,&#8221; which sold millions and spawned hit after hit. &#8220;Saving All My Love for You&#8221; brought her her first Grammy, for best female pop vocal. &#8220;How Will I Know,&#8221; &#8221;You Give Good Love&#8221; and &#8220;The Greatest Love of All&#8221; also became hit singles.</p>
<p>Another multiplatinum album, &#8220;Whitney,&#8221; came out in 1987 and included hits like &#8220;Where Do Broken Hearts Go&#8221; and &#8220;I Wanna Dance With Somebody.&#8221;</p>
<p>The New York Times wrote that Houston &#8220;possesses one of her generation&#8217;s most powerful gospel-trained voices, but she eschews many of the churchier mannerisms of her forerunners. She uses ornamental gospel phrasing only sparingly, and instead of projecting an earthy, tearful vulnerability, communicates cool self-assurance and strength, building pop ballads to majestic, sustained peaks of intensity.&#8221;</p>
<p>Her decision not to follow the more soulful inflections of singers like Franklin drew criticism by some who saw her as playing down her black roots to go pop and reach white audiences. The criticism would become a constant refrain through much of her career. She was even booed during the &#8220;Soul Train Awards&#8221; in 1989.</p>
<p>&#8220;Sometimes it gets down to that, you know?&#8221; she told Katie Couric in 1996. &#8220;You&#8217;re not black enough for them. I don&#8217;t know. You&#8217;re not R&amp;B enough. You&#8217;re very pop. The white audience has taken you away from them.&#8221;</p>
<p>Some saw her 1992 marriage to former New Edition member and soul crooner Bobby Brown as an attempt to refute those critics. It seemed to be an odd union; she was seen as pop&#8217;s pure princess while he had a bad-boy image, and already had children of his own. (The couple had a daughter, Bobbi Kristina, in 1993.) Over the years, he would be arrested several times, on charges ranging from DUI to failure to pay child support.</p>
<p>But Houston said their true personalities were not as far apart as people may have believed.</p>
<p>&#8220;When you love, you love. I mean, do you stop loving somebody because you have different images? You know, Bobby and I basically come from the same place,&#8221; she told Rolling Stone in 1993. &#8220;You see somebody, and you deal with their image, that&#8217;s their image. It&#8217;s part of them, it&#8217;s not the whole picture. I am not always in a sequined gown. I am nobody&#8217;s angel. I can get down and dirty. I can get raunchy.&#8221;</p>
<p>It would take several years, however, for the public to see that side of Houston. Her moving 1991 rendition of &#8220;The Star Spangled Banner&#8221; at the Super Bowl, amid the first Gulf War, set a new standard and once again reaffirmed her as America&#8217;s sweetheart.</p>
<p>In 1992, she became a star in the acting world with &#8220;The Bodyguard.&#8221; Despite mixed reviews, the story of a singer (Houston) guarded by a former Secret Service agent (Kevin Costner) was an international success.</p>
<p>It also gave her perhaps her most memorable hit: a searing, stunning rendition of Dolly Parton&#8217;s &#8220;I Will Always Love You,&#8221; which sat atop the charts for weeks. It was Grammy&#8217;s record of the year and best female pop vocal, and the &#8220;Bodyguard&#8221; soundtrack was named album of the year.</p>
<p>She returned to the big screen in 1995-96 with &#8220;Waiting to Exhale&#8221; and &#8220;The Preacher&#8217;s Wife.&#8221; Both spawned soundtrack albums, and another hit studio album, &#8220;My Love Is Your Love,&#8221; in 1998, brought her a Grammy for best female R&amp;B vocal for the cut &#8220;It&#8217;s Not Right But It&#8217;s Okay.&#8221;</p>
<p>But during these career and personal highs, Houston was using drugs. In an interview with Oprah Winfrey in 2010, she said by the time &#8220;The Preacher&#8217;s Wife&#8221; was released, &#8220;(doing drugs) was an everyday thing. &#8230; I would do my work, but after I did my work, for a whole year or two, it was every day. &#8230; I wasn&#8217;t happy by that point in time. I was losing myself.&#8221;</p>
<p>In the interview, Houston blamed her rocky marriage to Brown, which included a charge of domestic abuse against Brown in 1993. They divorced in 2007.</p>
<p>Houston would go to rehab twice before she would declare herself drug-free to Winfrey in 2010. But in the interim, there were missed concert dates, a stop at an airport due to drugs, and public meltdowns.</p>
<p>She was so startlingly thin during a 2001 Michael Jackson tribute concert that rumors spread she had died the next day. Her crude behavior and jittery appearance on Brown&#8217;s reality show, &#8220;Being Bobby Brown,&#8221; was an example of her sad decline. Her Sawyer interview, where she declared &#8220;crack is whack,&#8221; was often parodied. She dropped out of the spotlight for a few years.</p>
<p>Houston staged what seemed to be a successful comeback with the 2009 album &#8220;I Look To You.&#8221; The album debuted on the top of the charts, and would eventually go platinum.</p>
<p>Things soon fell apart. A concert to promote the album on &#8220;Good Morning America&#8221; went awry as Houston&#8217;s voice sounded ragged and off-key. She blamed an interview with Winfrey for straining her voice.</p>
<p>A world tour launched overseas, however, only confirmed suspicions that Houston had lost her treasured gift, as she failed to hit notes and left many fans unimpressed; some walked out. Canceled concert dates raised speculation that she may have been abusing drugs, but she denied those claims and said she was in great shape, blaming illness for cancellations.</p>
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		<title>The People of Texas Like Online Life Insurance Marketplace</title>
		<link>http://www.texastermbroker.com/uncategorized/the-people-of-texas-like-online-life-insurance-marketplace/</link>
		<comments>http://www.texastermbroker.com/uncategorized/the-people-of-texas-like-online-life-insurance-marketplace/#comments</comments>
		<pubDate>Sat, 10 Dec 2011 18:37:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Online Texas Life Insurance Marketplace, the Texas Life Insurance Broker, announced today that the company has reached Page one with their page on the Facebook Platform for Texas Life Insurance . Instant Life Insurance Quote State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands Amer. Samoa Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 [...]]]></description>
			<content:encoded><![CDATA[<p>Online Texas Life Insurance Marketplace, the Texas Life Insurance Broker, announced today that the company has reached Page one with their page on the Facebook Platform for <a href="http://www.facebook.com/pages/Texas-Life-Insurance/190561714308596">Texas Life Insurance</a> .</p>
<form name="consumer_id" action="http://www.compulife.net/cgi-bin/COMPLIFE/USER/1156/consumer_id.php" onSubmit="return checkform()" method="POST">
<input name="UserLocation" type="hidden" value="1156" />
<input name="TEMPLATEFILE" type="hidden" value="TEMPLATE_LOGO_0.HTM" />
<input name="HTEMPLATEFILE" type="hidden" value="HTEMPLATE_LOGO_0.HTM" />
<input name="ModeUsed" type="hidden" value="M" />
<input name="SortOverride1" type="hidden" value="A" />
<table class="default_table" align="center">
<tbody>
<tr class="default_header">
<td class="default_header" colspan="2">Instant Life Insurance Quote</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>State:</strong></td>
<td class="gray_cell">
<select name="State" size="1">
<option value="1">Alabama</option>
<option value="2">Alaska</option>
<option value="3">Arizona</option>
<option value="4">Arkansas</option>
<option value="5">California</option>
<option value="6">Colorado</option>
<option value="7">Connecticut</option>
<option value="8">Delaware</option>
<option value="9">Dist.Columbia</option>
<option value="10">Florida</option>
<option value="11">Georgia</option>
<option value="12">Hawaii</option>
<option value="13">Idaho</option>
<option value="14">Illinois</option>
<option value="15">Indiana</option>
<option value="16">Iowa</option>
<option value="17">Kansas</option>
<option value="18">Kentucky</option>
<option value="19">Louisiana</option>
<option value="20">Maine</option>
<option value="21">Maryland</option>
<option value="22">Massachusetts</option>
<option value="23">Michigan</option>
<option value="24">Minnesota</option>
<option value="25">Mississippi</option>
<option value="26">Missouri</option>
<option value="27">Montana</option>
<option value="28">Nebraska</option>
<option value="29">Nevada</option>
<option value="30">New Hampshire</option>
<option value="31">New Jersey</option>
<option value="32">New Mexico</option>
<option value="52">NY Non-Bus</option>
<option value="33">NY Business</option>
<option value="34">North Carolina</option>
<option value="35">North Dakota</option>
<option value="36">Ohio</option>
<option value="37">Oklahoma</option>
<option value="38">Oregon</option>
<option value="39">Pennsylvania</option>
<option value="40">Rhode Island</option>
<option value="41">South Carolina</option>
<option value="42">South Dakota</option>
<option value="43">Tennessee</option>
<option selected="selected" value="44">Texas</option>
<option value="45">Utah</option>
<option value="46">Vermont</option>
<option value="47">Virginia</option>
<option value="48">Washington</option>
<option value="49">West Virginia</option>
<option value="50">Wisconsin</option>
<option value="51">Wyoming</option>
<option value="53">Guam</option>
<option value="54">Puerto Rico</option>
<option value="55">Virgin Islands</option>
<option value="56">Amer. Samoa</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Birthdate:</strong></td>
<td class="gray_cell">
<select name="BirthMonth">
<option value="1">January</option>
<option value="2">February</option>
<option value="3">March</option>
<option value="4">April</option>
<option value="5">May</option>
<option selected="selected" value="6">June</option>
<option value="7">July</option>
<option value="8">August</option>
<option value="9">September</option>
<option value="10">October</option>
<option value="11">November</option>
<option value="12">December</option>
</select>
<select name="Birthday">
<option>1</option>
<option>2</option>
<option>3</option>
<option>4</option>
<option>5</option>
<option>6</option>
<option>7</option>
<option>8</option>
<option>9</option>
<option>10</option>
<option>11</option>
<option>12</option>
<option>13</option>
<option>14</option>
<option selected="selected">15</option>
<option>16</option>
<option>17</option>
<option>18</option>
<option>19</option>
<option>20</option>
<option>21</option>
<option>22</option>
<option>23</option>
<option>24</option>
<option>25</option>
<option>26</option>
<option>27</option>
<option>28</option>
<option>29</option>
<option>30</option>
<option>31</option>
</select>
<select name="BirthYear">
<option>1910</option>
<option>1911</option>
<option>1912</option>
<option>1913</option>
<option>1914</option>
<option>1915</option>
<option>1916</option>
<option>1917</option>
<option>1918</option>
<option>1919</option>
<option>1920</option>
<option>1921</option>
<option>1922</option>
<option>1923</option>
<option>1924</option>
<option>1925</option>
<option>1926</option>
<option>1927</option>
<option>1928</option>
<option>1929</option>
<option>1930</option>
<option>1931</option>
<option>1932</option>
<option>1933</option>
<option>1934</option>
<option>1935</option>
<option>1936</option>
<option>1937</option>
<option>1938</option>
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="selected">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
<option>2002</option>
<option>2003</option>
<option>2004</option>
<option>2005</option>
<option>2006</option>
<option>2007</option>
<option>2008</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Gender:</strong></td>
<td class="gray_cell">
<select name="Sex">
<option selected="selected" value="M">Male</option>
<option value="F">Female</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Smoker/Tobacco:</strong></td>
<td class="gray_cell">
<select name="Smoker">
<option selected="selected" value="N">No</option>
<option value="Y">Yes</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Health Class:</strong></td>
<td class="gray_cell">
<select name="Health" size="1">
<option selected="selected" value="PP">Preferred Plus</option>
<option value="P">Preferred</option>
<option value="RP">Regular Plus</option>
<option value="R">Regular</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Type of Insurance:</strong></td>
<td class="gray_cell">
<select name="NewCategory">
<option value="1">1 Year Level Term</option>
<option value="2">5 Year Level Term</option>
<option value="3">10 Year Level Term</option>
<option value="4">15 Year Level Term</option>
<option selected="selected" value="5">20 Year Level Term</option>
<option value="6">25 Year Level Term</option>
<option value="7">30 Year Level Term</option>
<option value="9">35 Year Level Term</option>
<option value="0">40 Year Level Term</option>
<option value="T">To Age 65 Level</option>
<option value="U">To Age 70 Level</option>
<option value="V">To Age 75 Level</option>
<option value="A">To Age 80 Level</option>
<option value="B">To Age 85 Level</option>
<option value="C">To Age 90 Level</option>
<option value="D">To Age 95 Level</option>
<option value="E">To Age 100 Level</option>
<option value="G">To Age 105 Level</option>
<option value="H">To Age 110 Level</option>
<option value="F">Other Term</option>
<option value="Z:357">10, 20, 30 Year Term</option>
<option value="Z:123456790TUV">All Level Term Product Categories</option>
<option value="I">10 Year Return of Premium</option>
<option value="J">15 Year Return of Premium</option>
<option value="K">20 Year Return of Premium</option>
<option value="L">25 Year Return of Premium</option>
<option value="M">30 Year Return of Premium</option>
<option value="W">To age 65 Return of Premium</option>
<option value="X">To age 70 Return of Premium</option>
<option value="Y">To age 75 Return of Premium</option>
<option value="N">Other Return of Premium</option>
<option value="Z:JKM">15, 20, 30 Year with ROP</option>
<option value="Z:IJKLMWXYN">Return of Premium Products</option>
<option value="8">To Age 121 Level (No Lapse U/L)</option>
<option value="P">To Age 121 Level &#8211; Pay to 100</option>
<option value="Q">To Age 121 Level &#8211; Pay to 65</option>
<option value="R">To Age 121 Level &#8211; 20 Pay</option>
<option value="S">To Age 121 Level &#8211; 10 Pay</option>
<option value="O">To Age 121 Level &#8211; Single Pay</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Face Amount:</strong></td>
<td class="gray_cell">
<select name="FaceAmount" size="1">
<option value="10000">$10,000</option>
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="175000">$175,000</option>
<option value="200000">$200,000</option>
<option value="225000">$225,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="350000">$350,000</option>
<option value="400000">$400,000</option>
<option value="450000">$450,000</option>
<option selected="selected" value="500000">$500,000</option>
<option value="550000">$550,000</option>
<option value="600000">$600,000</option>
<option value="650000">$650,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1100000">$1,100,000</option>
<option value="1250000">$1,250,000</option>
<option value="1500000">$1,500,000</option>
<option value="1750000">$1,750,000</option>
<option value="2000000">$2,000,000</option>
<option value="2500000">$2,500,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="6000000">$6,000,000</option>
<option value="7000000">$7,000,000</option>
<option value="8000000">$8,000,000</option>
<option value="9000000">$9,000,000</option>
<option value="10000000">$10,000,000</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Your Name:</strong></td>
<td class="gray_cell">
<input style="width: 180px;" name="Name" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Phone Number:</strong></td>
<td class="gray_cell">
<input style="width: 100px;" name="Phone" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>E-mail Address:</strong></td>
<td class="gray_cell">
<input style="width: 200px;" name="Email" type="text" /></td>
</tr>
<tr class="default_header">
<td colspan="2">
<input name="CqsComparison" type="submit" value=" Compare Now " /></td>
</tr>
</tbody>
</table>
<p>Individuals interested in how to buy life insurance in Texas and <a href="http://www.texastermbroker.com/no-exam-life-insurance-texas.html">no medical exam life insurance in Texas,</a> can choose to click &#8216;Like&#8217; on the Facebook Platform page to be able to  follow the company&#8217;s news, or mention the company in one of their posts.</p>
<p>Those that connect with the online insurance marketplace on the  Facebook platform, can read different articles and blogs about life  insurance, can answer different polls, stating their opinions about  various topics in the life insurance area, and can connect with others,  and discuss questions about life insurance.</p>
<p>&#8220;We are overjoyed that every day more and more people are finding us  on this social media site,&#8221; said Scott Thiltgen, owner of <a href="http://www.texastermbroker.com/">Texas Term Broker</a>.</p>
<p><a href="http://www.texastermbroker.com/texas-life-insurance-facebook-instant-online-rates.html">Facebook</a> gives everyone the power to share with the people they care  about, making the world more open and transparent. <a href="http://www.texastermbroker.com/texas-life-insurance-facebook-instant-online-rates.html">Facebook</a> users  communicate and share information through the social graph, the network  of connections and relationships between people. Facebook gives  companies and the developer community access to the social graph through  Facebook Platform. Using a rich set of tools and online services,  developers can build applications that are deeply integrated into the  Facebook website. Millions of <a href="http://www.texastermbroker.com/texas-life-insurance-facebook-instant-online-rates.html">Facebook</a> users return to the site each  day, providing unparalleled distribution potential for applications and  the opportunity to build a business that is highly relevant to people&#8217;s  lives.</p>
<p>In 2007, Facebook launched Facebook Platform to empower developers  and entrepreneurs around the world make the Web more social for users.  Millions of Facebook users return to the site each day, providing  unparalleled distribution potential for applications and the opportunity  to build a business that is highly relevant to people&#8217;s lives.</p>
<p>Texas Term Broker is an online provider of life and health Insurance quotes. It is unique in that this website  does not simply stick to one kind of insurance carrier, but brings the  clients the best deals from many different online insurance carriers.  This way, clients have offers from multiple carriers all in one place,  this website. On this site, the client will have access to quotes for Texas Life and Health insurance plans from various agencies, such as local or nationwide  agencies, brand names insurance companies, etc.</p>
<div><a href="http://www.sfgate.com/cgi-bin/article.cgi?f=/g/a/2011/12/10/prweb9030039.DTL#ixzz1g9oJNcsz"></a></div>
]]></content:encoded>
			<wfw:commentRss>http://www.texastermbroker.com/uncategorized/the-people-of-texas-like-online-life-insurance-marketplace/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Life Insurance and Estate Planning</title>
		<link>http://www.texastermbroker.com/uncategorized/life-insurance-and-estate-planning/</link>
		<comments>http://www.texastermbroker.com/uncategorized/life-insurance-and-estate-planning/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 00:33:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.texastermbroker.com/?p=1628</guid>
		<description><![CDATA[Instant Life Insurance Quote State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands Amer. Samoa Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 [...]]]></description>
			<content:encoded><![CDATA[<form name="consumer_id" action="http://www.compulife.net/cgi-bin/COMPLIFE/USER/1156/consumer_id.php" onSubmit="return checkform()" method="POST">
<input name="UserLocation" type="hidden" value="1156" />
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<table class="default_table" align="center">
<tbody>
<tr class="default_header">
<td class="default_header" colspan="2">Instant Life Insurance Quote</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>State:</strong></td>
<td class="gray_cell">
<select name="State" size="1">
<option value="1">Alabama</option>
<option value="2">Alaska</option>
<option value="3">Arizona</option>
<option value="4">Arkansas</option>
<option value="5">California</option>
<option value="6">Colorado</option>
<option value="7">Connecticut</option>
<option value="8">Delaware</option>
<option value="9">Dist.Columbia</option>
<option value="10">Florida</option>
<option value="11">Georgia</option>
<option value="12">Hawaii</option>
<option value="13">Idaho</option>
<option value="14">Illinois</option>
<option value="15">Indiana</option>
<option value="16">Iowa</option>
<option value="17">Kansas</option>
<option value="18">Kentucky</option>
<option value="19">Louisiana</option>
<option value="20">Maine</option>
<option value="21">Maryland</option>
<option value="22">Massachusetts</option>
<option value="23">Michigan</option>
<option value="24">Minnesota</option>
<option value="25">Mississippi</option>
<option value="26">Missouri</option>
<option value="27">Montana</option>
<option value="28">Nebraska</option>
<option value="29">Nevada</option>
<option value="30">New Hampshire</option>
<option value="31">New Jersey</option>
<option value="32">New Mexico</option>
<option value="52">NY Non-Bus</option>
<option value="33">NY Business</option>
<option value="34">North Carolina</option>
<option value="35">North Dakota</option>
<option value="36">Ohio</option>
<option value="37">Oklahoma</option>
<option value="38">Oregon</option>
<option value="39">Pennsylvania</option>
<option value="40">Rhode Island</option>
<option value="41">South Carolina</option>
<option value="42">South Dakota</option>
<option value="43">Tennessee</option>
<option selected="selected" value="44">Texas</option>
<option value="45">Utah</option>
<option value="46">Vermont</option>
<option value="47">Virginia</option>
<option value="48">Washington</option>
<option value="49">West Virginia</option>
<option value="50">Wisconsin</option>
<option value="51">Wyoming</option>
<option value="53">Guam</option>
<option value="54">Puerto Rico</option>
<option value="55">Virgin Islands</option>
<option value="56">Amer. Samoa</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Birthdate:</strong></td>
<td class="gray_cell">
<select name="BirthMonth">
<option value="1">January</option>
<option value="2">February</option>
<option value="3">March</option>
<option value="4">April</option>
<option value="5">May</option>
<option selected="selected" value="6">June</option>
<option value="7">July</option>
<option value="8">August</option>
<option value="9">September</option>
<option value="10">October</option>
<option value="11">November</option>
<option value="12">December</option>
</select>
<select name="Birthday">
<option>1</option>
<option>2</option>
<option>3</option>
<option>4</option>
<option>5</option>
<option>6</option>
<option>7</option>
<option>8</option>
<option>9</option>
<option>10</option>
<option>11</option>
<option>12</option>
<option>13</option>
<option>14</option>
<option selected="selected">15</option>
<option>16</option>
<option>17</option>
<option>18</option>
<option>19</option>
<option>20</option>
<option>21</option>
<option>22</option>
<option>23</option>
<option>24</option>
<option>25</option>
<option>26</option>
<option>27</option>
<option>28</option>
<option>29</option>
<option>30</option>
<option>31</option>
</select>
<select name="BirthYear">
<option>1910</option>
<option>1911</option>
<option>1912</option>
<option>1913</option>
<option>1914</option>
<option>1915</option>
<option>1916</option>
<option>1917</option>
<option>1918</option>
<option>1919</option>
<option>1920</option>
<option>1921</option>
<option>1922</option>
<option>1923</option>
<option>1924</option>
<option>1925</option>
<option>1926</option>
<option>1927</option>
<option>1928</option>
<option>1929</option>
<option>1930</option>
<option>1931</option>
<option>1932</option>
<option>1933</option>
<option>1934</option>
<option>1935</option>
<option>1936</option>
<option>1937</option>
<option>1938</option>
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="selected">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
<option>2002</option>
<option>2003</option>
<option>2004</option>
<option>2005</option>
<option>2006</option>
<option>2007</option>
<option>2008</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Gender:</strong></td>
<td class="gray_cell">
<select name="Sex">
<option selected="selected" value="M">Male</option>
<option value="F">Female</option>
</select>
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<tr>
<td class="gray_cell" style="text-align: right;"><strong>Smoker/Tobacco:</strong></td>
<td class="gray_cell">
<select name="Smoker">
<option selected="selected" value="N">No</option>
<option value="Y">Yes</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Health Class:</strong></td>
<td class="gray_cell">
<select name="Health" size="1">
<option selected="selected" value="PP">Preferred Plus</option>
<option value="P">Preferred</option>
<option value="RP">Regular Plus</option>
<option value="R">Regular</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Type of Insurance:</strong></td>
<td class="gray_cell">
<select name="NewCategory">
<option value="1">1 Year Level Term</option>
<option value="2">5 Year Level Term</option>
<option value="3">10 Year Level Term</option>
<option value="4">15 Year Level Term</option>
<option selected="selected" value="5">20 Year Level Term</option>
<option value="6">25 Year Level Term</option>
<option value="7">30 Year Level Term</option>
<option value="9">35 Year Level Term</option>
<option value="0">40 Year Level Term</option>
<option value="T">To Age 65 Level</option>
<option value="U">To Age 70 Level</option>
<option value="V">To Age 75 Level</option>
<option value="A">To Age 80 Level</option>
<option value="B">To Age 85 Level</option>
<option value="C">To Age 90 Level</option>
<option value="D">To Age 95 Level</option>
<option value="E">To Age 100 Level</option>
<option value="G">To Age 105 Level</option>
<option value="H">To Age 110 Level</option>
<option value="F">Other Term</option>
<option value="Z:357">10, 20, 30 Year Term</option>
<option value="Z:123456790TUV">All Level Term Product Categories</option>
<option value="I">10 Year Return of Premium</option>
<option value="J">15 Year Return of Premium</option>
<option value="K">20 Year Return of Premium</option>
<option value="L">25 Year Return of Premium</option>
<option value="M">30 Year Return of Premium</option>
<option value="W">To age 65 Return of Premium</option>
<option value="X">To age 70 Return of Premium</option>
<option value="Y">To age 75 Return of Premium</option>
<option value="N">Other Return of Premium</option>
<option value="Z:JKM">15, 20, 30 Year with ROP</option>
<option value="Z:IJKLMWXYN">Return of Premium Products</option>
<option value="8">To Age 121 Level (No Lapse U/L)</option>
<option value="P">To Age 121 Level &#8211; Pay to 100</option>
<option value="Q">To Age 121 Level &#8211; Pay to 65</option>
<option value="R">To Age 121 Level &#8211; 20 Pay</option>
<option value="S">To Age 121 Level &#8211; 10 Pay</option>
<option value="O">To Age 121 Level &#8211; Single Pay</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Face Amount:</strong></td>
<td class="gray_cell">
<select name="FaceAmount" size="1">
<option value="10000">$10,000</option>
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="175000">$175,000</option>
<option value="200000">$200,000</option>
<option value="225000">$225,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="350000">$350,000</option>
<option value="400000">$400,000</option>
<option value="450000">$450,000</option>
<option selected="selected" value="500000">$500,000</option>
<option value="550000">$550,000</option>
<option value="600000">$600,000</option>
<option value="650000">$650,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1100000">$1,100,000</option>
<option value="1250000">$1,250,000</option>
<option value="1500000">$1,500,000</option>
<option value="1750000">$1,750,000</option>
<option value="2000000">$2,000,000</option>
<option value="2500000">$2,500,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="6000000">$6,000,000</option>
<option value="7000000">$7,000,000</option>
<option value="8000000">$8,000,000</option>
<option value="9000000">$9,000,000</option>
<option value="10000000">$10,000,000</option>
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<td class="gray_cell" style="text-align: right;"><strong>Your Name:</strong></td>
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<input style="width: 180px;" name="Name" type="text" /></td>
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<td class="gray_cell" style="text-align: right;"><strong>Phone Number:</strong></td>
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<input style="width: 100px;" name="Phone" type="text" /></td>
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<tr>
<td class="gray_cell" style="text-align: right;"><strong>E-mail Address:</strong></td>
<td class="gray_cell">
<input style="width: 200px;" name="Email" type="text" /></td>
</tr>
<tr class="default_header">
<td colspan="2">
<input name="CqsComparison" type="submit" value=" Compare Now " /></td>
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</tbody>
</table>
<p>Life insurance coverage is the fact that most versatile of investment of minimal-risk product which works best for clients in nearly any wealth category and existence stage. In the past, it&#8217;s been an essential component in lots of a properly-performed estate plan, also it remains probably the most relevant, secure possibilities. However, with last year&#8217;s restored estate tax exemption, agents must still adjust their scope and sales hype if this involves offering this time around-honored solution.</p>
<p>The way the forex market change within the short- and lengthy-term? Which financial planning problems is it more beneficial suitable for solve? John Titus, advanced marketing attorney at Saybrus Partners, a Hartford, Conn.-based wealth management firm, weighs in at in regarding how to get the most from the merchandise this year and beyond.</p>
<p>Why is life insurance coverage a highly effective wealth transfer vehicle?</p>
<p>For just one, after dying, its benefits are immediate. Second, and much more important, its smart an advantage that&#8217;s generally tax-liberated to the beneficiary and may usually be produced estate tax-free if required. Thus, the policy&#8217;s internal rate of return on its rates is fairly attractive. And, in present day economic atmosphere, another reason life insurance coverage is really good at this context is the fact that its benefits aren&#8217;t always correlated to the market conditions. When dying benefits are compensated, for instance, the present status from the stock exchange isn&#8217;t a factor.</p>
<p>How have recent estate tax rules influenced or transformed the requirement for life insurance coverage inside a well-rounded estate plan?</p>
<p>The current temporary rise in the estate tax exemption implies that less individuals will be influenced by tax rules. Much less sometime ago, a husband and wife with combined assets of $5 million could have been facing a $1.5 million federal estate tax liability. For deaths this year and 2012, that same couple doesn&#8217;t have federal estate tax liability. Obviously, the question pending over all this is the way forward for the estate tax exemption, that is slated revisit $a million in 2013. Count me among individuals who think it&#8217;ll stay at current levels for that expected future.</p>
<p>When the exemption remains at $5 as well as $3.5 million, estate proprietors will turn to life insurance coverage like a strategy to cope with other, non-estate tax-related financial targets and challenges. These challenges include business succession planning, using needless IRAs and deferred annuity and taking advantage of life insurance coverage like a supplemental retirement earnings vehicle, amongst others.</p>
<p>Would you expect the forex market to alter within the next 5 years? If that&#8217;s the case, how?</p>
<p>I actually do think you will see significant market uncertainty as well as unpredictability for that expected future. Nonetheless, I believe that federal estate and gift tax exemptions will stay at relatively high levels.</p>
<p>Because the federal budget reduces, federal grants or loans towards the states will even likely shrink, putting more financial pressure on condition budgets. Consequently, I believe that condition inheritance taxes will most likely remain in place as well as return in states which have removed them. Many states are needed to balance their budgets, and condition inheritance taxes will most likely be a welcoming supply of revenue later on. Because of this, estate proprietors will need to keep close track of this problem. I believe it is more probably that tax rates will rise soon which life insurance coverage like a supplemental retirement earnings vehicle could play an progressively natural part for the reason that regard.</p>
<p>Is life insurance coverage equally suited to clients with all of amounts of wealth?</p>
<p>The fast response is yes. When the federal estate tax exemption amount stays in the $5 million level or near to it, then certainly less estate proprietors will need to bother about federal estate taxes. I see pointless why our prime-internet-worth estate owner won&#8217;t still turn to life insurance coverage to supply the liquidity required to pay future estate taxes, even when the total amount needed is less.</p>
<p>For individuals who&#8217;ll not need to bother about federal estate taxes, you will find other non-estate-tax-related financial issues that life insurance coverage could be a solution. Again, using life insurance coverage like a supplemental retirement earnings vehicle might be quite attractive within an atmosphere of rising tax rates.</p>
<p>What&#8217;s the No. 1 question you listen to clients about integrating life insurance coverage to their estate plan? How can you answer it?</p>
<p>Most likely probably the most comon question nowadays is, &#8220;So why do I want life insurance coverage basically don&#8217;t have any estate tax problem?&#8221; I answer this in a few various ways. First, the financial agent and also the client must have attorney at law about the way forward for federal and condition estate taxes. The customer might not have an problem today, but might have one later on.</p>
<p>When the client and agent agree that there&#8217;s no federal estate tax problem, then your agent should discuss other financial planning problems that would use life insurance coverage included in a general strategy.</p>
</form>
]]></content:encoded>
			<wfw:commentRss>http://www.texastermbroker.com/uncategorized/life-insurance-and-estate-planning/feed/</wfw:commentRss>
		<slash:comments>211</slash:comments>
		</item>
		<item>
		<title>10 Of the Best Features of Life Insurance that are overlooked</title>
		<link>http://www.texastermbroker.com/uncategorized/10-of-the-best-features-of-life-insurance-that-are-overlooked/</link>
		<comments>http://www.texastermbroker.com/uncategorized/10-of-the-best-features-of-life-insurance-that-are-overlooked/#comments</comments>
		<pubDate>Thu, 17 Nov 2011 23:14:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.texastermbroker.com/?p=1613</guid>
		<description><![CDATA[Instant Life Insurance Quote State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands Amer. Samoa Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 [...]]]></description>
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<input name="UserLocation" type="hidden" value="1156" />
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<table class="default_table" align="center">
<tbody>
<tr class="default_header">
<td class="default_header" colspan="2">Instant Life Insurance Quote</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>State:</strong></td>
<td class="gray_cell">
<select name="State" size="1">
<option value="1">Alabama</option>
<option value="2">Alaska</option>
<option value="3">Arizona</option>
<option value="4">Arkansas</option>
<option value="5">California</option>
<option value="6">Colorado</option>
<option value="7">Connecticut</option>
<option value="8">Delaware</option>
<option value="9">Dist.Columbia</option>
<option value="10">Florida</option>
<option value="11">Georgia</option>
<option value="12">Hawaii</option>
<option value="13">Idaho</option>
<option value="14">Illinois</option>
<option value="15">Indiana</option>
<option value="16">Iowa</option>
<option value="17">Kansas</option>
<option value="18">Kentucky</option>
<option value="19">Louisiana</option>
<option value="20">Maine</option>
<option value="21">Maryland</option>
<option value="22">Massachusetts</option>
<option value="23">Michigan</option>
<option value="24">Minnesota</option>
<option value="25">Mississippi</option>
<option value="26">Missouri</option>
<option value="27">Montana</option>
<option value="28">Nebraska</option>
<option value="29">Nevada</option>
<option value="30">New Hampshire</option>
<option value="31">New Jersey</option>
<option value="32">New Mexico</option>
<option value="52">NY Non-Bus</option>
<option value="33">NY Business</option>
<option value="34">North Carolina</option>
<option value="35">North Dakota</option>
<option value="36">Ohio</option>
<option value="37">Oklahoma</option>
<option value="38">Oregon</option>
<option value="39">Pennsylvania</option>
<option value="40">Rhode Island</option>
<option value="41">South Carolina</option>
<option value="42">South Dakota</option>
<option value="43">Tennessee</option>
<option selected="selected" value="44">Texas</option>
<option value="45">Utah</option>
<option value="46">Vermont</option>
<option value="47">Virginia</option>
<option value="48">Washington</option>
<option value="49">West Virginia</option>
<option value="50">Wisconsin</option>
<option value="51">Wyoming</option>
<option value="53">Guam</option>
<option value="54">Puerto Rico</option>
<option value="55">Virgin Islands</option>
<option value="56">Amer. Samoa</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Birthdate:</strong></td>
<td class="gray_cell">
<select name="BirthMonth">
<option value="1">January</option>
<option value="2">February</option>
<option value="3">March</option>
<option value="4">April</option>
<option value="5">May</option>
<option selected="selected" value="6">June</option>
<option value="7">July</option>
<option value="8">August</option>
<option value="9">September</option>
<option value="10">October</option>
<option value="11">November</option>
<option value="12">December</option>
</select>
<select name="Birthday">
<option>1</option>
<option>2</option>
<option>3</option>
<option>4</option>
<option>5</option>
<option>6</option>
<option>7</option>
<option>8</option>
<option>9</option>
<option>10</option>
<option>11</option>
<option>12</option>
<option>13</option>
<option>14</option>
<option selected="selected">15</option>
<option>16</option>
<option>17</option>
<option>18</option>
<option>19</option>
<option>20</option>
<option>21</option>
<option>22</option>
<option>23</option>
<option>24</option>
<option>25</option>
<option>26</option>
<option>27</option>
<option>28</option>
<option>29</option>
<option>30</option>
<option>31</option>
</select>
<select name="BirthYear">
<option>1910</option>
<option>1911</option>
<option>1912</option>
<option>1913</option>
<option>1914</option>
<option>1915</option>
<option>1916</option>
<option>1917</option>
<option>1918</option>
<option>1919</option>
<option>1920</option>
<option>1921</option>
<option>1922</option>
<option>1923</option>
<option>1924</option>
<option>1925</option>
<option>1926</option>
<option>1927</option>
<option>1928</option>
<option>1929</option>
<option>1930</option>
<option>1931</option>
<option>1932</option>
<option>1933</option>
<option>1934</option>
<option>1935</option>
<option>1936</option>
<option>1937</option>
<option>1938</option>
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="selected">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
<option>2002</option>
<option>2003</option>
<option>2004</option>
<option>2005</option>
<option>2006</option>
<option>2007</option>
<option>2008</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Gender:</strong></td>
<td class="gray_cell">
<select name="Sex">
<option selected="selected" value="M">Male</option>
<option value="F">Female</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Smoker/Tobacco:</strong></td>
<td class="gray_cell">
<select name="Smoker">
<option selected="selected" value="N">No</option>
<option value="Y">Yes</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Health Class:</strong></td>
<td class="gray_cell">
<select name="Health" size="1">
<option selected="selected" value="PP">Preferred Plus</option>
<option value="P">Preferred</option>
<option value="RP">Regular Plus</option>
<option value="R">Regular</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Type of Insurance:</strong></td>
<td class="gray_cell">
<select name="NewCategory">
<option value="1">1 Year Level Term</option>
<option value="2">5 Year Level Term</option>
<option value="3">10 Year Level Term</option>
<option value="4">15 Year Level Term</option>
<option selected="selected" value="5">20 Year Level Term</option>
<option value="6">25 Year Level Term</option>
<option value="7">30 Year Level Term</option>
<option value="9">35 Year Level Term</option>
<option value="0">40 Year Level Term</option>
<option value="T">To Age 65 Level</option>
<option value="U">To Age 70 Level</option>
<option value="V">To Age 75 Level</option>
<option value="A">To Age 80 Level</option>
<option value="B">To Age 85 Level</option>
<option value="C">To Age 90 Level</option>
<option value="D">To Age 95 Level</option>
<option value="E">To Age 100 Level</option>
<option value="G">To Age 105 Level</option>
<option value="H">To Age 110 Level</option>
<option value="F">Other Term</option>
<option value="Z:357">10, 20, 30 Year Term</option>
<option value="Z:123456790TUV">All Level Term Product Categories</option>
<option value="I">10 Year Return of Premium</option>
<option value="J">15 Year Return of Premium</option>
<option value="K">20 Year Return of Premium</option>
<option value="L">25 Year Return of Premium</option>
<option value="M">30 Year Return of Premium</option>
<option value="W">To age 65 Return of Premium</option>
<option value="X">To age 70 Return of Premium</option>
<option value="Y">To age 75 Return of Premium</option>
<option value="N">Other Return of Premium</option>
<option value="Z:JKM">15, 20, 30 Year with ROP</option>
<option value="Z:IJKLMWXYN">Return of Premium Products</option>
<option value="8">To Age 121 Level (No Lapse U/L)</option>
<option value="P">To Age 121 Level &#8211; Pay to 100</option>
<option value="Q">To Age 121 Level &#8211; Pay to 65</option>
<option value="R">To Age 121 Level &#8211; 20 Pay</option>
<option value="S">To Age 121 Level &#8211; 10 Pay</option>
<option value="O">To Age 121 Level &#8211; Single Pay</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Face Amount:</strong></td>
<td class="gray_cell">
<select name="FaceAmount" size="1">
<option value="10000">$10,000</option>
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="175000">$175,000</option>
<option value="200000">$200,000</option>
<option value="225000">$225,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="350000">$350,000</option>
<option value="400000">$400,000</option>
<option value="450000">$450,000</option>
<option selected="selected" value="500000">$500,000</option>
<option value="550000">$550,000</option>
<option value="600000">$600,000</option>
<option value="650000">$650,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1100000">$1,100,000</option>
<option value="1250000">$1,250,000</option>
<option value="1500000">$1,500,000</option>
<option value="1750000">$1,750,000</option>
<option value="2000000">$2,000,000</option>
<option value="2500000">$2,500,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="6000000">$6,000,000</option>
<option value="7000000">$7,000,000</option>
<option value="8000000">$8,000,000</option>
<option value="9000000">$9,000,000</option>
<option value="10000000">$10,000,000</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Your Name:</strong></td>
<td class="gray_cell">
<input style="width: 180px;" name="Name" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Phone Number:</strong></td>
<td class="gray_cell">
<input style="width: 100px;" name="Phone" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>E-mail Address:</strong></td>
<td class="gray_cell">
<input style="width: 200px;" name="Email" type="text" /></td>
</tr>
<tr class="default_header">
<td colspan="2">
<input name="CqsComparison" type="submit" value=" Compare Now " /></td>
</tr>
</tbody>
</table>
<p>Buying life insurance coverage is among the most significant financial choices customers make. Yet they frequently know hardly any concerning the options that come with their plans, so that they neglect to make the most of them.</p>
<p>Listed here are 10 of the very generally overlooked options that come with life insurance coverage plans and why they are vital that you you like a insurance holder.</p>
<p>Waiver of premium. This feature pays the premium of the policy should you become seriously ill or disabled.</p>
<p>Faster dying benefit. This feature enables you to definitely receive payday loans from the dying advantage of your policy if you are identified having a terminal illness. Lots of people with this particular benefit make use of the money to assist purchase treatment along with other expenses whether they have only a short while to reside.</p>
<p>Guaranteed purchase option. With this particular feature, you can buy coverage at designated future dates or existence occasions without showing you are in good condition.</p>
<p>Lengthy-term care riders. Some existence items include this method, which enables you to employ the advantages of your policy to cover lengthy-term care in return for a lower existence benefit.</p>
<p>Spouse or child term riders. Existence guidelines with this particular feature permit you to purchase term life insurance coverage for the spouse or dependent child, as much as age 26. This method could be a less expensive method to purchase coverage if you cannot afford separate guidelines.</p>
<p>Cash value plans. This kind of policy pays out upon your dying as well as builds up value throughout your daily life. You should use the money value like a tax-protected investment, like a fund from which you&#8217;ll borrow and employ to pay for a policy rates later.</p>
<p>Mortgage protection. This feature, typically available on term existence guidelines, pays your mortgage should you die.</p>
<p>Cash distributions and financial loans. Many universal and whole existence guidelines permit you to withdraw or take a loan, while using cash worth of a policy as collateral. Rates of interest are usually relatively low. You may also make use of the cash worth of your existence policy to pay for your rates if you want or wish to stop having to pay rates for some time. You are obligated to pay the borrowed funds or perhaps your receivers will get a lower dying benefit.</p>
<p>Survivor support services. Some existence guidelines offer services that offer objective financial and legal help receivers.</p>
<p>Worker assistance programs. This feature makes assets open to you for issues that can impact your individual and professional existence. Assets are often free and help address issues for example drug abuse, stress, marital problems, legal concerns and major existence occasions.</p>
<p>&#8220;Customers need to know their life insurance coverage guidelines so that they don&#8217;t overlook important features that may be important to their livelihoods,&#8221; states Shaun Koll, assistant v . p . of product for Colonial Existence &#038; Accident Insurance Provider. &#8220;Make certain you&#8217;ve got a copy of the policy, you know in which you ensure that it stays which another person in the household also knows in which you ensure that it stays. You could request a duplicate of the policy out of your insurance provider if you want it. Additionally, evaluate your insurance policy every so often to make certain it&#8217;s right for your stage in existence.&#8221;<br />
<a href="http://www.texastermbroker.com/"><br />
Texas Life insurance</a></p>
]]></content:encoded>
			<wfw:commentRss>http://www.texastermbroker.com/uncategorized/10-of-the-best-features-of-life-insurance-that-are-overlooked/feed/</wfw:commentRss>
		<slash:comments>31</slash:comments>
		</item>
		<item>
		<title>Life insurance for kids: Long term benefits come from early investment</title>
		<link>http://www.texastermbroker.com/uncategorized/life-insurance-for-kids-long-term-benefits-come-from-early-investment/</link>
		<comments>http://www.texastermbroker.com/uncategorized/life-insurance-for-kids-long-term-benefits-come-from-early-investment/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 17:19:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.texastermbroker.com/?p=1606</guid>
		<description><![CDATA[November 25, 2011 Instant Life Insurance Quote State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands Amer. Samoa Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 [...]]]></description>
			<content:encoded><![CDATA[<p>November 25, 2011</p>
<form name="consumer_id" action="http://www.compulife.net/cgi-bin/COMPLIFE/USER/1156/consumer_id.php" onSubmit="return checkform()" method="POST">
<input name="UserLocation" type="hidden" value="1156" />
<input name="TEMPLATEFILE" type="hidden" value="TEMPLATE_LOGO_0.HTM" />
<input name="HTEMPLATEFILE" type="hidden" value="HTEMPLATE_LOGO_0.HTM" />
<input name="ModeUsed" type="hidden" value="M" />
<input name="SortOverride1" type="hidden" value="A" />
<table class="default_table" align="center">
<tbody>
<tr class="default_header">
<td class="default_header" colspan="2">Instant Life Insurance Quote</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>State:</strong></td>
<td class="gray_cell">
<select name="State" size="1">
<option value="1">Alabama</option>
<option value="2">Alaska</option>
<option value="3">Arizona</option>
<option value="4">Arkansas</option>
<option value="5">California</option>
<option value="6">Colorado</option>
<option value="7">Connecticut</option>
<option value="8">Delaware</option>
<option value="9">Dist.Columbia</option>
<option value="10">Florida</option>
<option value="11">Georgia</option>
<option value="12">Hawaii</option>
<option value="13">Idaho</option>
<option value="14">Illinois</option>
<option value="15">Indiana</option>
<option value="16">Iowa</option>
<option value="17">Kansas</option>
<option value="18">Kentucky</option>
<option value="19">Louisiana</option>
<option value="20">Maine</option>
<option value="21">Maryland</option>
<option value="22">Massachusetts</option>
<option value="23">Michigan</option>
<option value="24">Minnesota</option>
<option value="25">Mississippi</option>
<option value="26">Missouri</option>
<option value="27">Montana</option>
<option value="28">Nebraska</option>
<option value="29">Nevada</option>
<option value="30">New Hampshire</option>
<option value="31">New Jersey</option>
<option value="32">New Mexico</option>
<option value="52">NY Non-Bus</option>
<option value="33">NY Business</option>
<option value="34">North Carolina</option>
<option value="35">North Dakota</option>
<option value="36">Ohio</option>
<option value="37">Oklahoma</option>
<option value="38">Oregon</option>
<option value="39">Pennsylvania</option>
<option value="40">Rhode Island</option>
<option value="41">South Carolina</option>
<option value="42">South Dakota</option>
<option value="43">Tennessee</option>
<option selected="selected" value="44">Texas</option>
<option value="45">Utah</option>
<option value="46">Vermont</option>
<option value="47">Virginia</option>
<option value="48">Washington</option>
<option value="49">West Virginia</option>
<option value="50">Wisconsin</option>
<option value="51">Wyoming</option>
<option value="53">Guam</option>
<option value="54">Puerto Rico</option>
<option value="55">Virgin Islands</option>
<option value="56">Amer. Samoa</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Birthdate:</strong></td>
<td class="gray_cell">
<select name="BirthMonth">
<option value="1">January</option>
<option value="2">February</option>
<option value="3">March</option>
<option value="4">April</option>
<option value="5">May</option>
<option selected="selected" value="6">June</option>
<option value="7">July</option>
<option value="8">August</option>
<option value="9">September</option>
<option value="10">October</option>
<option value="11">November</option>
<option value="12">December</option>
</select>
<select name="Birthday">
<option>1</option>
<option>2</option>
<option>3</option>
<option>4</option>
<option>5</option>
<option>6</option>
<option>7</option>
<option>8</option>
<option>9</option>
<option>10</option>
<option>11</option>
<option>12</option>
<option>13</option>
<option>14</option>
<option selected="selected">15</option>
<option>16</option>
<option>17</option>
<option>18</option>
<option>19</option>
<option>20</option>
<option>21</option>
<option>22</option>
<option>23</option>
<option>24</option>
<option>25</option>
<option>26</option>
<option>27</option>
<option>28</option>
<option>29</option>
<option>30</option>
<option>31</option>
</select>
<select name="BirthYear">
<option>1910</option>
<option>1911</option>
<option>1912</option>
<option>1913</option>
<option>1914</option>
<option>1915</option>
<option>1916</option>
<option>1917</option>
<option>1918</option>
<option>1919</option>
<option>1920</option>
<option>1921</option>
<option>1922</option>
<option>1923</option>
<option>1924</option>
<option>1925</option>
<option>1926</option>
<option>1927</option>
<option>1928</option>
<option>1929</option>
<option>1930</option>
<option>1931</option>
<option>1932</option>
<option>1933</option>
<option>1934</option>
<option>1935</option>
<option>1936</option>
<option>1937</option>
<option>1938</option>
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="selected">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
<option>2002</option>
<option>2003</option>
<option>2004</option>
<option>2005</option>
<option>2006</option>
<option>2007</option>
<option>2008</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Gender:</strong></td>
<td class="gray_cell">
<select name="Sex">
<option selected="selected" value="M">Male</option>
<option value="F">Female</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Smoker/Tobacco:</strong></td>
<td class="gray_cell">
<select name="Smoker">
<option selected="selected" value="N">No</option>
<option value="Y">Yes</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Health Class:</strong></td>
<td class="gray_cell">
<select name="Health" size="1">
<option selected="selected" value="PP">Preferred Plus</option>
<option value="P">Preferred</option>
<option value="RP">Regular Plus</option>
<option value="R">Regular</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Type of Insurance:</strong></td>
<td class="gray_cell">
<select name="NewCategory">
<option value="1">1 Year Level Term</option>
<option value="2">5 Year Level Term</option>
<option value="3">10 Year Level Term</option>
<option value="4">15 Year Level Term</option>
<option selected="selected" value="5">20 Year Level Term</option>
<option value="6">25 Year Level Term</option>
<option value="7">30 Year Level Term</option>
<option value="9">35 Year Level Term</option>
<option value="0">40 Year Level Term</option>
<option value="T">To Age 65 Level</option>
<option value="U">To Age 70 Level</option>
<option value="V">To Age 75 Level</option>
<option value="A">To Age 80 Level</option>
<option value="B">To Age 85 Level</option>
<option value="C">To Age 90 Level</option>
<option value="D">To Age 95 Level</option>
<option value="E">To Age 100 Level</option>
<option value="G">To Age 105 Level</option>
<option value="H">To Age 110 Level</option>
<option value="F">Other Term</option>
<option value="Z:357">10, 20, 30 Year Term</option>
<option value="Z:123456790TUV">All Level Term Product Categories</option>
<option value="I">10 Year Return of Premium</option>
<option value="J">15 Year Return of Premium</option>
<option value="K">20 Year Return of Premium</option>
<option value="L">25 Year Return of Premium</option>
<option value="M">30 Year Return of Premium</option>
<option value="W">To age 65 Return of Premium</option>
<option value="X">To age 70 Return of Premium</option>
<option value="Y">To age 75 Return of Premium</option>
<option value="N">Other Return of Premium</option>
<option value="Z:JKM">15, 20, 30 Year with ROP</option>
<option value="Z:IJKLMWXYN">Return of Premium Products</option>
<option value="8">To Age 121 Level (No Lapse U/L)</option>
<option value="P">To Age 121 Level &#8211; Pay to 100</option>
<option value="Q">To Age 121 Level &#8211; Pay to 65</option>
<option value="R">To Age 121 Level &#8211; 20 Pay</option>
<option value="S">To Age 121 Level &#8211; 10 Pay</option>
<option value="O">To Age 121 Level &#8211; Single Pay</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Face Amount:</strong></td>
<td class="gray_cell">
<select name="FaceAmount" size="1">
<option value="10000">$10,000</option>
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="175000">$175,000</option>
<option value="200000">$200,000</option>
<option value="225000">$225,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="350000">$350,000</option>
<option value="400000">$400,000</option>
<option value="450000">$450,000</option>
<option selected="selected" value="500000">$500,000</option>
<option value="550000">$550,000</option>
<option value="600000">$600,000</option>
<option value="650000">$650,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1100000">$1,100,000</option>
<option value="1250000">$1,250,000</option>
<option value="1500000">$1,500,000</option>
<option value="1750000">$1,750,000</option>
<option value="2000000">$2,000,000</option>
<option value="2500000">$2,500,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="6000000">$6,000,000</option>
<option value="7000000">$7,000,000</option>
<option value="8000000">$8,000,000</option>
<option value="9000000">$9,000,000</option>
<option value="10000000">$10,000,000</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Your Name:</strong></td>
<td class="gray_cell">
<input style="width: 180px;" name="Name" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Phone Number:</strong></td>
<td class="gray_cell">
<input style="width: 100px;" name="Phone" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>E-mail Address:</strong></td>
<td class="gray_cell">
<input style="width: 200px;" name="Email" type="text" /></td>
</tr>
<tr class="default_header">
<td colspan="2">
<input name="CqsComparison" type="submit" value=" Compare Now " /></td>
</tr>
</tbody>
</table>
<p>Being protective goes  hands-in-hands with motherhood. From hands sanitizer gel to bike headgear to  high-tech child car seats, moms and fathers will visit the finishes of the world  to have their children safe, seem and happy. But eventually, the scrapes and  bruises no more require a healing hug, working out wheels appear the bike and  also the day comes when they are driving to college &#8211; not only senior high  school, but college. You may be surprised, but you will find actions you are  able to take since will safeguard them then &#8211; as well as beyond.</p>
<p>It isn&#8217;t  uncommon for brand new parents to think about adding life insurance coverage  coverage towards the other guidelines they carry, like vehicle and medical  health insurance. It&#8217;s really a difficult factor to consider, but it is an  additional protection which will make sure that kids and also the making it  through spouse is going to be taken proper care of in case that certain parent  dies. However, you will find other ways a life insurance coverage policy can  really make a difference for the child.</p>
<p>May possibly not be something  which immediately involves mind, but getting a life insurance coverage insurance  policy for your kids might have lasting benefits for his or her financial  future. However, doing this when they&#8217;re still youthful couldn&#8217;t only equal to  financial savings within the long-term, but better protection of the assets  because they themselves reach a time where they&#8217;ll think about a family that  belongs to them.</p>
<p>In practical terms, giving your kids the gift of the  life insurance coverage policy safeguards them from medical underwriting and  costs. You will be creating the policy early enough which costs is going to be  lower, especially in the initial stage, also it can help with keeping them  workable further in the future, with respect to the plan.</p>
<p>Through the  years, a life insurance coverage policy may become a significant part of the  children&#8217;s financial protection. And when they are in the right age to achieve  the discussion about how exactly to become financially responsible, it&#8217;s really  a useful example, among other training like creating a good credit score and  wise investing habits.</p>
<p>Some insurance coverage allows your son or  daughter to create changes his or her existence progresses, providing them with  the opportunity to increase coverage because they undergo life&#8217;s milestone  occasions, like marriage, getting a home loan to purchase a home and getting  children that belongs to them. Rates will increase with added coverage, however  the added costs connected with medical underwriting is going to be  removed.</p>
<p></em><em>Searching for the kids is definitely an instinct which will  never fade. Because they grow, you&#8217;ll help guide them on the right track in  existence, but sooner or later, they will be off by themselves. Providing them  with lengthy-term protection when they are youthful will make sure that you are  assisting to be careful on their behalf, lengthy after they have left the  nest.</em></p>
</div>
]]></content:encoded>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>What to ask before buying a traditional plan</title>
		<link>http://www.texastermbroker.com/uncategorized/paying-for-life-insurance-is-cheaper-annually-texas/</link>
		<comments>http://www.texastermbroker.com/uncategorized/paying-for-life-insurance-is-cheaper-annually-texas/#comments</comments>
		<pubDate>Tue, 01 Nov 2011 16:38:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.texastermbroker.com/?p=1327</guid>
		<description><![CDATA[Instant Life Insurance Quote State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands Amer. Samoa Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 [...]]]></description>
			<content:encoded><![CDATA[<form name="consumer_id" action="http://www.compulife.net/cgi-bin/COMPLIFE/USER/1156/consumer_id.php" onSubmit="return checkform()" method="POST">
<input name="UserLocation" type="hidden" value="1156" />
<input name="TEMPLATEFILE" type="hidden" value="TEMPLATE_LOGO_0.HTM" />
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<input name="ModeUsed" type="hidden" value="M" />
<input name="SortOverride1" type="hidden" value="A" />
<table class="default_table" align="center">
<tbody>
<tr class="default_header">
<td class="default_header" colspan="2">Instant Life Insurance Quote</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>State:</strong></td>
<td class="gray_cell">
<select name="State" size="1">
<option value="1">Alabama</option>
<option value="2">Alaska</option>
<option value="3">Arizona</option>
<option value="4">Arkansas</option>
<option value="5">California</option>
<option value="6">Colorado</option>
<option value="7">Connecticut</option>
<option value="8">Delaware</option>
<option value="9">Dist.Columbia</option>
<option value="10">Florida</option>
<option value="11">Georgia</option>
<option value="12">Hawaii</option>
<option value="13">Idaho</option>
<option value="14">Illinois</option>
<option value="15">Indiana</option>
<option value="16">Iowa</option>
<option value="17">Kansas</option>
<option value="18">Kentucky</option>
<option value="19">Louisiana</option>
<option value="20">Maine</option>
<option value="21">Maryland</option>
<option value="22">Massachusetts</option>
<option value="23">Michigan</option>
<option value="24">Minnesota</option>
<option value="25">Mississippi</option>
<option value="26">Missouri</option>
<option value="27">Montana</option>
<option value="28">Nebraska</option>
<option value="29">Nevada</option>
<option value="30">New Hampshire</option>
<option value="31">New Jersey</option>
<option value="32">New Mexico</option>
<option value="52">NY Non-Bus</option>
<option value="33">NY Business</option>
<option value="34">North Carolina</option>
<option value="35">North Dakota</option>
<option value="36">Ohio</option>
<option value="37">Oklahoma</option>
<option value="38">Oregon</option>
<option value="39">Pennsylvania</option>
<option value="40">Rhode Island</option>
<option value="41">South Carolina</option>
<option value="42">South Dakota</option>
<option value="43">Tennessee</option>
<option selected="selected" value="44">Texas</option>
<option value="45">Utah</option>
<option value="46">Vermont</option>
<option value="47">Virginia</option>
<option value="48">Washington</option>
<option value="49">West Virginia</option>
<option value="50">Wisconsin</option>
<option value="51">Wyoming</option>
<option value="53">Guam</option>
<option value="54">Puerto Rico</option>
<option value="55">Virgin Islands</option>
<option value="56">Amer. Samoa</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Birthdate:</strong></td>
<td class="gray_cell">
<select name="BirthMonth">
<option value="1">January</option>
<option value="2">February</option>
<option value="3">March</option>
<option value="4">April</option>
<option value="5">May</option>
<option selected="selected" value="6">June</option>
<option value="7">July</option>
<option value="8">August</option>
<option value="9">September</option>
<option value="10">October</option>
<option value="11">November</option>
<option value="12">December</option>
</select>
<select name="Birthday">
<option>1</option>
<option>2</option>
<option>3</option>
<option>4</option>
<option>5</option>
<option>6</option>
<option>7</option>
<option>8</option>
<option>9</option>
<option>10</option>
<option>11</option>
<option>12</option>
<option>13</option>
<option>14</option>
<option selected="selected">15</option>
<option>16</option>
<option>17</option>
<option>18</option>
<option>19</option>
<option>20</option>
<option>21</option>
<option>22</option>
<option>23</option>
<option>24</option>
<option>25</option>
<option>26</option>
<option>27</option>
<option>28</option>
<option>29</option>
<option>30</option>
<option>31</option>
</select>
<select name="BirthYear">
<option>1910</option>
<option>1911</option>
<option>1912</option>
<option>1913</option>
<option>1914</option>
<option>1915</option>
<option>1916</option>
<option>1917</option>
<option>1918</option>
<option>1919</option>
<option>1920</option>
<option>1921</option>
<option>1922</option>
<option>1923</option>
<option>1924</option>
<option>1925</option>
<option>1926</option>
<option>1927</option>
<option>1928</option>
<option>1929</option>
<option>1930</option>
<option>1931</option>
<option>1932</option>
<option>1933</option>
<option>1934</option>
<option>1935</option>
<option>1936</option>
<option>1937</option>
<option>1938</option>
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="selected">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
<option>2002</option>
<option>2003</option>
<option>2004</option>
<option>2005</option>
<option>2006</option>
<option>2007</option>
<option>2008</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Gender:</strong></td>
<td class="gray_cell">
<select name="Sex">
<option selected="selected" value="M">Male</option>
<option value="F">Female</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Smoker/Tobacco:</strong></td>
<td class="gray_cell">
<select name="Smoker">
<option selected="selected" value="N">No</option>
<option value="Y">Yes</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Health Class:</strong></td>
<td class="gray_cell">
<select name="Health" size="1">
<option selected="selected" value="PP">Preferred Plus</option>
<option value="P">Preferred</option>
<option value="RP">Regular Plus</option>
<option value="R">Regular</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Type of Insurance:</strong></td>
<td class="gray_cell">
<select name="NewCategory">
<option value="1">1 Year Level Term</option>
<option value="2">5 Year Level Term</option>
<option value="3">10 Year Level Term</option>
<option value="4">15 Year Level Term</option>
<option selected="selected" value="5">20 Year Level Term</option>
<option value="6">25 Year Level Term</option>
<option value="7">30 Year Level Term</option>
<option value="9">35 Year Level Term</option>
<option value="0">40 Year Level Term</option>
<option value="T">To Age 65 Level</option>
<option value="U">To Age 70 Level</option>
<option value="V">To Age 75 Level</option>
<option value="A">To Age 80 Level</option>
<option value="B">To Age 85 Level</option>
<option value="C">To Age 90 Level</option>
<option value="D">To Age 95 Level</option>
<option value="E">To Age 100 Level</option>
<option value="G">To Age 105 Level</option>
<option value="H">To Age 110 Level</option>
<option value="F">Other Term</option>
<option value="Z:357">10, 20, 30 Year Term</option>
<option value="Z:123456790TUV">All Level Term Product Categories</option>
<option value="I">10 Year Return of Premium</option>
<option value="J">15 Year Return of Premium</option>
<option value="K">20 Year Return of Premium</option>
<option value="L">25 Year Return of Premium</option>
<option value="M">30 Year Return of Premium</option>
<option value="W">To age 65 Return of Premium</option>
<option value="X">To age 70 Return of Premium</option>
<option value="Y">To age 75 Return of Premium</option>
<option value="N">Other Return of Premium</option>
<option value="Z:JKM">15, 20, 30 Year with ROP</option>
<option value="Z:IJKLMWXYN">Return of Premium Products</option>
<option value="8">To Age 121 Level (No Lapse U/L)</option>
<option value="P">To Age 121 Level &#8211; Pay to 100</option>
<option value="Q">To Age 121 Level &#8211; Pay to 65</option>
<option value="R">To Age 121 Level &#8211; 20 Pay</option>
<option value="S">To Age 121 Level &#8211; 10 Pay</option>
<option value="O">To Age 121 Level &#8211; Single Pay</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Face Amount:</strong></td>
<td class="gray_cell">
<select name="FaceAmount" size="1">
<option value="10000">$10,000</option>
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="175000">$175,000</option>
<option value="200000">$200,000</option>
<option value="225000">$225,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="350000">$350,000</option>
<option value="400000">$400,000</option>
<option value="450000">$450,000</option>
<option selected="selected" value="500000">$500,000</option>
<option value="550000">$550,000</option>
<option value="600000">$600,000</option>
<option value="650000">$650,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1100000">$1,100,000</option>
<option value="1250000">$1,250,000</option>
<option value="1500000">$1,500,000</option>
<option value="1750000">$1,750,000</option>
<option value="2000000">$2,000,000</option>
<option value="2500000">$2,500,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="6000000">$6,000,000</option>
<option value="7000000">$7,000,000</option>
<option value="8000000">$8,000,000</option>
<option value="9000000">$9,000,000</option>
<option value="10000000">$10,000,000</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Your Name:</strong></td>
<td class="gray_cell">
<input style="width: 180px;" name="Name" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Phone Number:</strong></td>
<td class="gray_cell">
<input style="width: 100px;" name="Phone" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>E-mail Address:</strong></td>
<td class="gray_cell">
<input style="width: 200px;" name="Email" type="text" /></td>
</tr>
<tr class="default_header">
<td colspan="2">
<input name="CqsComparison" type="submit" value=" Compare Now " /></td>
</tr>
</tbody>
</table>
<p>Nowadays when a life insurance agent comes to sell you a policy, the  spiel is remarkably different. He no longer quotes the highs of the  stock market or sells you the dream of quick money through equity  investing. He instead assures the safety of your capital and guarantees  your return. This change mirrors the changing trend in the life  insurance sector, where traditional plans are making a comeback and  leaving the once popular unit-linked insurance plans (Ulips) behind.</p>
<p><img title="Jayachandran/Mint" src="http://www.livemint.com/images/31F57AAA-18A7-453B-A1E9-3BEA31A85895ArtVPF.gif" alt="Jayachandran/Mint" width="300" height="200" align="left" /></p>
<p>Jayachandran/Mint</p>
<p>Owing  to last yearâ€™s reforms and volatility in the stock markets, insurers  have once again turned their focus on traditional plans. Unlike a Ulip  where investments are market-linked and costs are transparent,  traditional plans work on the principle of give and getâ€” you pay x every  year and you will get 15x+y in 15 years is how most traditional plans  are structured. But over a period of 15 years, this 15x+y usually  translates into a paltry return. Even the bonuses that most traditional  plans offer are seldom able to improve the returns. So before you  succumb to a traditional plan, here are four key questions you need to  ask.</p>
<p><strong>What you give and get?</strong></p>
<p>This is an important parameter to consider.</p>
<p><strong>Comparison: </strong> First, it enables comparison. Says Rituraj Bhattacharya, head (market  management?), Bajaj Allianz Life Insurance Co. Ltd: â€œThe way to compare  traditional plans is to look at the guaranteed sum which is typically  the sum assured. For this sum how much premium do you have to pay over a  given term is how one can compare products.â€</p>
<p><strong>Costs: </strong>The  give-and-get equation gives you a sense of the costs. Letâ€™s understand  through an example. Take a traditional endowment plan for a 30-year-old  for a term of 20 years with a sum assured of Rs. 10 lakh on an annual premium of Rs.  46,931. The guaranteed payout under this plan is the sum assured and  the non-guaranteed component is the bonuses which are at the discretion  of the company. Compare this with a term plan which will charge an  annual premium of around Rs. 2,000 for the sum assured mentioned above over the same term. In other words, you pay Rs. 44,931 extra to guarantee that sum assured on maturity.</p>
<p><strong>Rate of return: </strong>The  give-and-get equation of a traditional plan helps you understand the  returns from the policy, too. Use a financial calculator that gives you  the internal rate of return from the net or swing the numbers past your  financial planner and you will understand the delusion guaranteed return  is. In the above example, the return on your investment is just 0.66%.</p>
<p><strong>What are the additional benefits?</strong></p>
<p>But  you also get bonuses, the agent will argue. Typically, in a traditional  insurance plan there are three kinds of bonuses: cash, reversionary and  terminal. The premiums that you pay get invested in a life fund which  is kind of a perpetual fund that an insurance company has. Says  Bhattacharya: â€œThe insurer meets all his liabilities of paying claims or  maturity through this fund. So depending upon the interest rate  scenario and surpluses that this life fund has, a company may declare a  bonus.â€</p>
<p><strong>Cash bonus: </strong>Once the company declares a bonus it becomes guaranteed. If you choose to have it as cash, it is called cash bonus.</p>
<p><strong>Reversionary bonus: </strong>The guaranteed bonus can also get added to your sum assured. This is called the reversionary bonus.</p>
<p>But  you must be careful with reversionary bonuses since they can  significantly impact your returns. There are two kinds of reversionary  bonuses: simple and compound. As the name suggests, a simple  reversionary bonus is a percentage of the basic sum assured that once  declared becomes a guaranteed payout, but a compound reversionary bonus  is a percentage of the overall sum assured. Hereâ€™s an example: a 6%  simple reversionary bonus on a sum assured of Rs. 100 will bump up the sum assured to Rs. 106 in the first year and Rs. 112 in year two. However, a compound reversionary bonus will bump up the sum assured to Rs. 106 in year one and Rs.  112.36 in year two. But Kapil Mehta, managing director, SecureNow  Insurance Broker Pvt. Ltd, has a word of caution: â€œThe rate at which a  simple reversionary bonus is paid out creates an optical illusion  because the rates are more than the rate of a compound reversionary  bonus. However, in the long term and with the power of compounding, a  compound reversionary bonus tends to give you better returns.â€</p>
<p><strong>Terminal bonus: </strong>This  is again totally at the discretion of the company and is paid at the  end. Says V. Viswanand, director and head (products and persistency  management), Max New York Life Insurance Co. Ltd: â€œOne also needs to  look at liquidity in a policy. A cash bonus is a good idea in that sense  because it gives you the freedom to have the money at your disposal  anytime you want.â€</p>
<p><strong>Bonus rates: </strong>You should also have an  idea about the bonus rates that the company has been declaring. Most  companies will have some historical data of their bonus rates, which can  access through the insurerâ€™s website or the agent.</p>
<p>Says  Bhattacharya: â€œTypically, a company does not have a lot of volatility in  bonus rates. Since the bonus rates depend on the surpluses in life  fund, interest rate is only one factor that determines that surplus.  Hence, most companies will maintain a stable bonus rate structure.â€</p>
<p>Adds  Kapil Mehta, CEO, SecureNow, an insurance broking firm: â€œBonus rates  get declared as a percentage of the sum assured and so it becomes very  difficult to get a sense of returns. However, on an average, the returns  from the bonus are not more than 4%.â€</p>
<p><strong>What happens if you surrender policy?</strong></p>
<p>Thatâ€™s  usually far and the last thing in your mind when you are buying the  policy. But itâ€™s a relevant question nevertheless. Typically,  traditional plans are front-loadedâ€”a large chunk of the costs are  deducted in the initial yearsâ€”and so in the first three years, most  traditional policies donâ€™t have a surrender value. If you choose to  surrender your policy within this period, you get nothing back.</p>
<p>After  three years, the policy usually assumes a surrender value. Most  insurers will offer two options: a minimum guaranteed surrender  valueâ€”which is a regulatory requirementâ€”and a non-guaranteed surrender  value. The guaranteed surrender value is a fixed percentage of your  premiumsâ€”around 30-35% of all the premiums paid minus the first yearâ€™s  premium.</p>
<p>The non-guaranteed surrender value is arrived at more  scientifically and indicates the value of your investments. The  non-guaranteed surrender value depends upon the sum assured, bonus,  policy term and the number of premiums paid. Since the non-guaranteed  surrender value is a better reflection of your investments, it is  usually higher than the minimum guaranteed surrender value. Usually in  the industry, it is the minimum guaranteed surrender value that is paid  out, but some insurers offer the higher of the two surrender payouts.  Choose the latter option.</p>
<p><strong>What happens if you stop paying premiums?</strong></p>
<p>How  a skipped premium will impact your benefit is also important to  understand. Typically, if you skip paying a premium in the first three  years of the policy, it will lapse and you will get no benefits. Some  insurers may choose to pay you a discretionary sum.</p>
<p>However, if  you skip paying a premium after three years, your policy will continue  to exist but with reduced benefits. After three years, your policy  assumes a cash or surrender value. Depending on this value, the insurer  may settle for a reduced sum assured or may offer an extended term cover  of the same sum assured for a number of years. Your policy will no  longer enjoy any variable benefits.</p>
<p>You also need to understand  the revival norms of the policy. Says Viswanand: â€œSome insurers allow a  period of five years to renew ones policy, while others may offer only  two-three years. Typically, reinstatement norms are same for all the  policies of an insurer.â€</p>
<p>If you manage to get an answer for each of these questions, you would understand your benefits and policy clearly.</p>
<p><a href="http://www.livemint.com/2011/10/31221319/What-to-ask-before-buying-a-tr.html">SOURCE</a></p>
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		<item>
		<title>Need to Know: Life Insurance 101</title>
		<link>http://www.texastermbroker.com/uncategorized/need-to-know-life-insurance-101/</link>
		<comments>http://www.texastermbroker.com/uncategorized/need-to-know-life-insurance-101/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 20:55:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.texastermbroker.com/?p=1054</guid>
		<description><![CDATA[Instant Life Insurance Quote State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands Amer. Samoa Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 [...]]]></description>
			<content:encoded><![CDATA[<form name="consumer_id" action="http://www.compulife.net/cgi-bin/COMPLIFE/USER/1156/consumer_id.php" onSubmit="return checkform()" method="POST">
<input name="UserLocation" type="hidden" value="1156" />
<input name="TEMPLATEFILE" type="hidden" value="TEMPLATE_LOGO_0.HTM" />
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<input name="ModeUsed" type="hidden" value="M" />
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<table class="default_table" align="center">
<tbody>
<tr class="default_header">
<td class="default_header" colspan="2">Instant Life Insurance Quote</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>State:</strong></td>
<td class="gray_cell">
<select name="State" size="1">
<option value="1">Alabama</option>
<option value="2">Alaska</option>
<option value="3">Arizona</option>
<option value="4">Arkansas</option>
<option value="5">California</option>
<option value="6">Colorado</option>
<option value="7">Connecticut</option>
<option value="8">Delaware</option>
<option value="9">Dist.Columbia</option>
<option value="10">Florida</option>
<option value="11">Georgia</option>
<option value="12">Hawaii</option>
<option value="13">Idaho</option>
<option value="14">Illinois</option>
<option value="15">Indiana</option>
<option value="16">Iowa</option>
<option value="17">Kansas</option>
<option value="18">Kentucky</option>
<option value="19">Louisiana</option>
<option value="20">Maine</option>
<option value="21">Maryland</option>
<option value="22">Massachusetts</option>
<option value="23">Michigan</option>
<option value="24">Minnesota</option>
<option value="25">Mississippi</option>
<option value="26">Missouri</option>
<option value="27">Montana</option>
<option value="28">Nebraska</option>
<option value="29">Nevada</option>
<option value="30">New Hampshire</option>
<option value="31">New Jersey</option>
<option value="32">New Mexico</option>
<option value="52">NY Non-Bus</option>
<option value="33">NY Business</option>
<option value="34">North Carolina</option>
<option value="35">North Dakota</option>
<option value="36">Ohio</option>
<option value="37">Oklahoma</option>
<option value="38">Oregon</option>
<option value="39">Pennsylvania</option>
<option value="40">Rhode Island</option>
<option value="41">South Carolina</option>
<option value="42">South Dakota</option>
<option value="43">Tennessee</option>
<option selected="selected" value="44">Texas</option>
<option value="45">Utah</option>
<option value="46">Vermont</option>
<option value="47">Virginia</option>
<option value="48">Washington</option>
<option value="49">West Virginia</option>
<option value="50">Wisconsin</option>
<option value="51">Wyoming</option>
<option value="53">Guam</option>
<option value="54">Puerto Rico</option>
<option value="55">Virgin Islands</option>
<option value="56">Amer. Samoa</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Birthdate:</strong></td>
<td class="gray_cell">
<select name="BirthMonth">
<option value="1">January</option>
<option value="2">February</option>
<option value="3">March</option>
<option value="4">April</option>
<option value="5">May</option>
<option selected="selected" value="6">June</option>
<option value="7">July</option>
<option value="8">August</option>
<option value="9">September</option>
<option value="10">October</option>
<option value="11">November</option>
<option value="12">December</option>
</select>
<select name="Birthday">
<option>1</option>
<option>2</option>
<option>3</option>
<option>4</option>
<option>5</option>
<option>6</option>
<option>7</option>
<option>8</option>
<option>9</option>
<option>10</option>
<option>11</option>
<option>12</option>
<option>13</option>
<option>14</option>
<option selected="selected">15</option>
<option>16</option>
<option>17</option>
<option>18</option>
<option>19</option>
<option>20</option>
<option>21</option>
<option>22</option>
<option>23</option>
<option>24</option>
<option>25</option>
<option>26</option>
<option>27</option>
<option>28</option>
<option>29</option>
<option>30</option>
<option>31</option>
</select>
<select name="BirthYear">
<option>1910</option>
<option>1911</option>
<option>1912</option>
<option>1913</option>
<option>1914</option>
<option>1915</option>
<option>1916</option>
<option>1917</option>
<option>1918</option>
<option>1919</option>
<option>1920</option>
<option>1921</option>
<option>1922</option>
<option>1923</option>
<option>1924</option>
<option>1925</option>
<option>1926</option>
<option>1927</option>
<option>1928</option>
<option>1929</option>
<option>1930</option>
<option>1931</option>
<option>1932</option>
<option>1933</option>
<option>1934</option>
<option>1935</option>
<option>1936</option>
<option>1937</option>
<option>1938</option>
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="selected">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
<option>2002</option>
<option>2003</option>
<option>2004</option>
<option>2005</option>
<option>2006</option>
<option>2007</option>
<option>2008</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Gender:</strong></td>
<td class="gray_cell">
<select name="Sex">
<option selected="selected" value="M">Male</option>
<option value="F">Female</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Smoker/Tobacco:</strong></td>
<td class="gray_cell">
<select name="Smoker">
<option selected="selected" value="N">No</option>
<option value="Y">Yes</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Health Class:</strong></td>
<td class="gray_cell">
<select name="Health" size="1">
<option selected="selected" value="PP">Preferred Plus</option>
<option value="P">Preferred</option>
<option value="RP">Regular Plus</option>
<option value="R">Regular</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Type of Insurance:</strong></td>
<td class="gray_cell">
<select name="NewCategory">
<option value="1">1 Year Level Term</option>
<option value="2">5 Year Level Term</option>
<option value="3">10 Year Level Term</option>
<option value="4">15 Year Level Term</option>
<option selected="selected" value="5">20 Year Level Term</option>
<option value="6">25 Year Level Term</option>
<option value="7">30 Year Level Term</option>
<option value="9">35 Year Level Term</option>
<option value="0">40 Year Level Term</option>
<option value="T">To Age 65 Level</option>
<option value="U">To Age 70 Level</option>
<option value="V">To Age 75 Level</option>
<option value="A">To Age 80 Level</option>
<option value="B">To Age 85 Level</option>
<option value="C">To Age 90 Level</option>
<option value="D">To Age 95 Level</option>
<option value="E">To Age 100 Level</option>
<option value="G">To Age 105 Level</option>
<option value="H">To Age 110 Level</option>
<option value="F">Other Term</option>
<option value="Z:357">10, 20, 30 Year Term</option>
<option value="Z:123456790TUV">All Level Term Product Categories</option>
<option value="I">10 Year Return of Premium</option>
<option value="J">15 Year Return of Premium</option>
<option value="K">20 Year Return of Premium</option>
<option value="L">25 Year Return of Premium</option>
<option value="M">30 Year Return of Premium</option>
<option value="W">To age 65 Return of Premium</option>
<option value="X">To age 70 Return of Premium</option>
<option value="Y">To age 75 Return of Premium</option>
<option value="N">Other Return of Premium</option>
<option value="Z:JKM">15, 20, 30 Year with ROP</option>
<option value="Z:IJKLMWXYN">Return of Premium Products</option>
<option value="8">To Age 121 Level (No Lapse U/L)</option>
<option value="P">To Age 121 Level &#8211; Pay to 100</option>
<option value="Q">To Age 121 Level &#8211; Pay to 65</option>
<option value="R">To Age 121 Level &#8211; 20 Pay</option>
<option value="S">To Age 121 Level &#8211; 10 Pay</option>
<option value="O">To Age 121 Level &#8211; Single Pay</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Face Amount:</strong></td>
<td class="gray_cell">
<select name="FaceAmount" size="1">
<option value="10000">$10,000</option>
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="175000">$175,000</option>
<option value="200000">$200,000</option>
<option value="225000">$225,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="350000">$350,000</option>
<option value="400000">$400,000</option>
<option value="450000">$450,000</option>
<option selected="selected" value="500000">$500,000</option>
<option value="550000">$550,000</option>
<option value="600000">$600,000</option>
<option value="650000">$650,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1100000">$1,100,000</option>
<option value="1250000">$1,250,000</option>
<option value="1500000">$1,500,000</option>
<option value="1750000">$1,750,000</option>
<option value="2000000">$2,000,000</option>
<option value="2500000">$2,500,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="6000000">$6,000,000</option>
<option value="7000000">$7,000,000</option>
<option value="8000000">$8,000,000</option>
<option value="9000000">$9,000,000</option>
<option value="10000000">$10,000,000</option>
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</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Your Name:</strong></td>
<td class="gray_cell">
<input style="width: 180px;" name="Name" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Phone Number:</strong></td>
<td class="gray_cell">
<input style="width: 100px;" name="Phone" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>E-mail Address:</strong></td>
<td class="gray_cell">
<input style="width: 200px;" name="Email" type="text" /></td>
</tr>
<tr class="default_header">
<td colspan="2">
<input name="CqsComparison" type="submit" value=" Compare Now " /></td>
</tr>
</tbody>
</table>
<p>Life insurance is one of those financial products that can give people the heebie-jeebies. It can sound confusing and complicated, and it involves thinking about a very scary proposition: death.</p>
<p>But life insurance really isn&#8217;t as frightening or complex as it seems. It&#8217;s actually a fantastically useful and flexible estate-planning tool that can provide income-tax-free security for your loved ones. It can also provide liquidity to pay estate taxes, especially if your estate largely consists of assets such as real estate or a closely held business that you may be reluctant to sell to raise cash. (If the policy is owned by an irrevocable trust, the insurance payout can avoid estate taxes too.)</p>
<p>Here&#8217;s a rundown of some of the basics of life insurance:</p>
<p>1 &#8216;How do I buy insurance?&#8217;</p>
<p>You can go directly to an insurance company or use a broker, either in person or online, that compares products from multiple insurance companies and can help you find the best quote.</p>
<p>You also can check if your employer, union or trade association offers a group life-insurance policy. Group life-insurance policies may not offer as much flexibility as some individual policies, but they typically don&#8217;t require a medical exam &#8212; a boon for those in poorer health seeking to be insured.</p>
<p>When you&#8217;re shopping for policies, stick to companies with high financial strength ratings from firms such as A. M. Best, since the last thing you want when spending money for peace of mind is to have to worry about your insurer going bust.</p>
<p>Most individual life-insurance policies require you to get a medical evaluation so that the insurer can assess your health and longevity risks. That&#8217;s typically arranged by your insurance broker or the insurer, at no cost to you. In most cases, a medical technician will come to your home or office to get some vital stats and blood and urine samples.</p>
<p>2 &#8216;Do I need insurance?&#8217;</p>
<p>You generally can skip life insurance if you&#8217;re single with no dependent kids and don&#8217;t expect to have a taxable or debt-ridden estate. Also think twice about forking over for life insurance if your premature death wouldn&#8217;t affect the ability of your surviving partner to pay for daily living expenses.</p>
<p>But do consider life insurance if you have dependent children, are a business owner or if your spouse doesn&#8217;t work or you have a big income disparity. In these cases, if you die prematurely, a life-insurance policy can help the survivor pay for your family&#8217;s day-to-day cost of living, including mortgage payments or help your business remain viable after your death.</p>
<p>There are many variables to factor in when considering how much life insurance to buy. It depends on your current and projected income and assets, your family&#8217;s annual living expenses, the length of the policy you are considering and whether you have any specific future economic needs &#8212; such as a child&#8217;s college tuition, a special-needs child who needs lifelong support, or expected estate taxes to pay off. Your insurance broker or salesperson can help you come up with a coverage amount that&#8217;s suitable for your situation.</p>
<p>3 &#8216;Term or permanent?&#8217;</p>
<p>Life insurance, in its most basic form, can be divided into two categories: term and permanent, also called cash-value. Term life, the simplest and cheapest form of life insurance, is when you buy an insurance policy that lasts for a set period, typically 10, 20 or 30 years.</p>
<p>A term policy, which usually costs just a few hundred dollars a year if you&#8217;re in good health, is appropriate for people who only want life insurance for a limited number of years &#8212; such as until your children are grown or until you reach retirement age.</p>
<p>Permanent or cash-value life insurance, by contrast, lasts for the remainder of your lifetime. These policies are often used for specific estate-planning purposes, such as funding future estate taxes or for ensuring the continuity of a family business.</p>
<p>4 &#8216;Why the cost difference?&#8217;</p>
<p>Permanent insurance is more costly than term life insurance because it lasts longer and because it provides more than just a death benefit: It also has an investment component in which money accumulates tax-free within the policy.</p>
<p>In other words, a portion of your premium is placed in a separate investment account; this money grows tax-free while the policy is in force. (How it&#8217;s invested depends on the policy.) As more money builds up inside the policy, you might eventually use this stash of cash to help you pay the policy&#8217;s premiums.</p>
<p>Many insurers tout the tax-free investment benefits of cash-value policies. Not only does the money grow inside the policy tax-free, but your beneficiaries don&#8217;t have to pay income taxes when they receive the policy&#8217;s payout. A cash-value policy might make sense if you have already contributed the maximum amount to other tax-deferred investment accounts, such as 401(k)s and individual retirement accounts.</p>
<p>On the other hand, the higher premiums, commissions, and sometimes limited investment choices might not make a cash-value account worth it.</p>
<p>Some people choose to buy a special kind of permanent policy called a &#8220;second-to-die&#8221; or &#8220;survivorship&#8221; policy.</p>
<p>These policies pay out when the second person in a couple &#8212; you or your spouse &#8212; dies, and the money generally goes to your children or other heirs. They typically cost less than traditional permanent insurance because they are based on the life expectancies of two people, rather than one.</p>
<p><a href="http://finance.yahoo.com/news/Need-to-Know-Life-Insurance-wallstreet-1811369545.html?x=0&amp;.v=1">SOURCE</a></p>
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		<slash:comments>4</slash:comments>
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		<item>
		<title>Build your financial foundation with life insurance.</title>
		<link>http://www.texastermbroker.com/uncategorized/build-your-financial-foundation-with-life-insurance/</link>
		<comments>http://www.texastermbroker.com/uncategorized/build-your-financial-foundation-with-life-insurance/#comments</comments>
		<pubDate>Thu, 29 Sep 2011 16:43:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.texastermbroker.com/?p=939</guid>
		<description><![CDATA[Instant Life Insurance Quote State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands Amer. Samoa Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 [...]]]></description>
			<content:encoded><![CDATA[<form name="consumer_id" action="http://www.compulife.net/cgi-bin/COMPLIFE/USER/1156/consumer_id.php" onSubmit="return checkform()" method="POST">
<input name="UserLocation" type="hidden" value="1156" />
<input name="TEMPLATEFILE" type="hidden" value="TEMPLATE_LOGO_0.HTM" />
<input name="HTEMPLATEFILE" type="hidden" value="HTEMPLATE_LOGO_0.HTM" />
<input name="ModeUsed" type="hidden" value="M" />
<input name="SortOverride1" type="hidden" value="A" />
<table class="default_table" align="center">
<tbody>
<tr class="default_header">
<td class="default_header" colspan="2">Instant Life Insurance Quote</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>State:</strong></td>
<td class="gray_cell">
<select name="State" size="1">
<option value="1">Alabama</option>
<option value="2">Alaska</option>
<option value="3">Arizona</option>
<option value="4">Arkansas</option>
<option value="5">California</option>
<option value="6">Colorado</option>
<option value="7">Connecticut</option>
<option value="8">Delaware</option>
<option value="9">Dist.Columbia</option>
<option value="10">Florida</option>
<option value="11">Georgia</option>
<option value="12">Hawaii</option>
<option value="13">Idaho</option>
<option value="14">Illinois</option>
<option value="15">Indiana</option>
<option value="16">Iowa</option>
<option value="17">Kansas</option>
<option value="18">Kentucky</option>
<option value="19">Louisiana</option>
<option value="20">Maine</option>
<option value="21">Maryland</option>
<option value="22">Massachusetts</option>
<option value="23">Michigan</option>
<option value="24">Minnesota</option>
<option value="25">Mississippi</option>
<option value="26">Missouri</option>
<option value="27">Montana</option>
<option value="28">Nebraska</option>
<option value="29">Nevada</option>
<option value="30">New Hampshire</option>
<option value="31">New Jersey</option>
<option value="32">New Mexico</option>
<option value="52">NY Non-Bus</option>
<option value="33">NY Business</option>
<option value="34">North Carolina</option>
<option value="35">North Dakota</option>
<option value="36">Ohio</option>
<option value="37">Oklahoma</option>
<option value="38">Oregon</option>
<option value="39">Pennsylvania</option>
<option value="40">Rhode Island</option>
<option value="41">South Carolina</option>
<option value="42">South Dakota</option>
<option value="43">Tennessee</option>
<option selected="selected" value="44">Texas</option>
<option value="45">Utah</option>
<option value="46">Vermont</option>
<option value="47">Virginia</option>
<option value="48">Washington</option>
<option value="49">West Virginia</option>
<option value="50">Wisconsin</option>
<option value="51">Wyoming</option>
<option value="53">Guam</option>
<option value="54">Puerto Rico</option>
<option value="55">Virgin Islands</option>
<option value="56">Amer. Samoa</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Birthdate:</strong></td>
<td class="gray_cell">
<select name="BirthMonth">
<option value="1">January</option>
<option value="2">February</option>
<option value="3">March</option>
<option value="4">April</option>
<option value="5">May</option>
<option selected="selected" value="6">June</option>
<option value="7">July</option>
<option value="8">August</option>
<option value="9">September</option>
<option value="10">October</option>
<option value="11">November</option>
<option value="12">December</option>
</select>
<select name="Birthday">
<option>1</option>
<option>2</option>
<option>3</option>
<option>4</option>
<option>5</option>
<option>6</option>
<option>7</option>
<option>8</option>
<option>9</option>
<option>10</option>
<option>11</option>
<option>12</option>
<option>13</option>
<option>14</option>
<option selected="selected">15</option>
<option>16</option>
<option>17</option>
<option>18</option>
<option>19</option>
<option>20</option>
<option>21</option>
<option>22</option>
<option>23</option>
<option>24</option>
<option>25</option>
<option>26</option>
<option>27</option>
<option>28</option>
<option>29</option>
<option>30</option>
<option>31</option>
</select>
<select name="BirthYear">
<option>1910</option>
<option>1911</option>
<option>1912</option>
<option>1913</option>
<option>1914</option>
<option>1915</option>
<option>1916</option>
<option>1917</option>
<option>1918</option>
<option>1919</option>
<option>1920</option>
<option>1921</option>
<option>1922</option>
<option>1923</option>
<option>1924</option>
<option>1925</option>
<option>1926</option>
<option>1927</option>
<option>1928</option>
<option>1929</option>
<option>1930</option>
<option>1931</option>
<option>1932</option>
<option>1933</option>
<option>1934</option>
<option>1935</option>
<option>1936</option>
<option>1937</option>
<option>1938</option>
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="selected">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
<option>2002</option>
<option>2003</option>
<option>2004</option>
<option>2005</option>
<option>2006</option>
<option>2007</option>
<option>2008</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Gender:</strong></td>
<td class="gray_cell">
<select name="Sex">
<option selected="selected" value="M">Male</option>
<option value="F">Female</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Smoker/Tobacco:</strong></td>
<td class="gray_cell">
<select name="Smoker">
<option selected="selected" value="N">No</option>
<option value="Y">Yes</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Health Class:</strong></td>
<td class="gray_cell">
<select name="Health" size="1">
<option selected="selected" value="PP">Preferred Plus</option>
<option value="P">Preferred</option>
<option value="RP">Regular Plus</option>
<option value="R">Regular</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Type of Insurance:</strong></td>
<td class="gray_cell">
<select name="NewCategory">
<option value="1">1 Year Level Term</option>
<option value="2">5 Year Level Term</option>
<option value="3">10 Year Level Term</option>
<option value="4">15 Year Level Term</option>
<option selected="selected" value="5">20 Year Level Term</option>
<option value="6">25 Year Level Term</option>
<option value="7">30 Year Level Term</option>
<option value="9">35 Year Level Term</option>
<option value="0">40 Year Level Term</option>
<option value="T">To Age 65 Level</option>
<option value="U">To Age 70 Level</option>
<option value="V">To Age 75 Level</option>
<option value="A">To Age 80 Level</option>
<option value="B">To Age 85 Level</option>
<option value="C">To Age 90 Level</option>
<option value="D">To Age 95 Level</option>
<option value="E">To Age 100 Level</option>
<option value="G">To Age 105 Level</option>
<option value="H">To Age 110 Level</option>
<option value="F">Other Term</option>
<option value="Z:357">10, 20, 30 Year Term</option>
<option value="Z:123456790TUV">All Level Term Product Categories</option>
<option value="I">10 Year Return of Premium</option>
<option value="J">15 Year Return of Premium</option>
<option value="K">20 Year Return of Premium</option>
<option value="L">25 Year Return of Premium</option>
<option value="M">30 Year Return of Premium</option>
<option value="W">To age 65 Return of Premium</option>
<option value="X">To age 70 Return of Premium</option>
<option value="Y">To age 75 Return of Premium</option>
<option value="N">Other Return of Premium</option>
<option value="Z:JKM">15, 20, 30 Year with ROP</option>
<option value="Z:IJKLMWXYN">Return of Premium Products</option>
<option value="8">To Age 121 Level (No Lapse U/L)</option>
<option value="P">To Age 121 Level &#8211; Pay to 100</option>
<option value="Q">To Age 121 Level &#8211; Pay to 65</option>
<option value="R">To Age 121 Level &#8211; 20 Pay</option>
<option value="S">To Age 121 Level &#8211; 10 Pay</option>
<option value="O">To Age 121 Level &#8211; Single Pay</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Face Amount:</strong></td>
<td class="gray_cell">
<select name="FaceAmount" size="1">
<option value="10000">$10,000</option>
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="175000">$175,000</option>
<option value="200000">$200,000</option>
<option value="225000">$225,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="350000">$350,000</option>
<option value="400000">$400,000</option>
<option value="450000">$450,000</option>
<option selected="selected" value="500000">$500,000</option>
<option value="550000">$550,000</option>
<option value="600000">$600,000</option>
<option value="650000">$650,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1100000">$1,100,000</option>
<option value="1250000">$1,250,000</option>
<option value="1500000">$1,500,000</option>
<option value="1750000">$1,750,000</option>
<option value="2000000">$2,000,000</option>
<option value="2500000">$2,500,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="6000000">$6,000,000</option>
<option value="7000000">$7,000,000</option>
<option value="8000000">$8,000,000</option>
<option value="9000000">$9,000,000</option>
<option value="10000000">$10,000,000</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Your Name:</strong></td>
<td class="gray_cell">
<input style="width: 180px;" name="Name" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Phone Number:</strong></td>
<td class="gray_cell">
<input style="width: 100px;" name="Phone" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>E-mail Address:</strong></td>
<td class="gray_cell">
<input style="width: 200px;" name="Email" type="text" /></td>
</tr>
<tr class="default_header">
<td colspan="2">
<input name="CqsComparison" type="submit" value=" Compare Now " /></td>
</tr>
</tbody>
</table>
<h5>For several years now, September has been designated as  Life Insurance Awareness Month. When we change our clocks back in the  fall, we also check the batteries in our smoke detectors to protect our  families. What a perfect reminder to review our life insurance needs  annually to help ensure our loved ones are protected.</h5>
<p>There are many life changes that can take place in a year &#8211;  marriage, children, job changes, etc. Each of these changes can make a  big difference in the life insurance coverage needed for your family.</p>
<p>&#8220;I  know I need it, but I don&#8217;t want to think about it now.&#8221; &#8220;I&#8217;ll deal  with it later, it&#8217;s not a priority.&#8221; These are two of the most common  responses when the topic of life insurance comes up. Despite being  saddled with a reputation as a boring financial product, life insurance  still remains a product that many financial professionals agree should  be the foundation on which people should build their financial goals.</p>
<p>Why  so? First, think about your loved ones. The primary benefit of life  insurance is to provide for them, helping them meet daily expenses and  continue the activities of daily life without any further major  disruption.  Familes can use life insurance proceeds to pay bills &#8211; like  credit card and mortgage bills &#8211; and daily necessities such as  groceries, gas, etc. Without adequate life insurance coverage, many  families could be placed under great financial distress to meet the  ongoing financial obligations of their new lives.</p>
<p>Life insurance can also protect one&#8217;s spouse against sharp  reductions in future pension and Social Security payments by replacing  assets cut short by premature death. For example, it is not unusual for a  surviving spouse to receive less than half of his or her spouse&#8217;s  projected pension because death has interrupted anticipated  contributions flowing into the plan.</p>
<p>And it&#8217;s not just at home  where life insurance can help. Life insurance can help business owners  and others with significant assets to pass those assets to their loved  ones in a tax-efficient manner. It also serves as a tremendous tool  enabling people to support nonprofit organizations through charitable  gifts.</p>
<p>Life insurance might not be a popular topic, but the  security it offers brings a level of comfort that most people can&#8217;t do  without. In addition, most people will find that life insurance coverage  is a key component as they plan for their long-term financial goals.  None of us can control whether we will have tomorrow, but protecting the  people in our lives is something we can take control of today.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.texastermbroker.com/uncategorized/build-your-financial-foundation-with-life-insurance/feed/</wfw:commentRss>
		<slash:comments>30</slash:comments>
		</item>
		<item>
		<title>Considerations before you purchase life insurance</title>
		<link>http://www.texastermbroker.com/uncategorized/considerations-before-you-purchase-life-insurance/</link>
		<comments>http://www.texastermbroker.com/uncategorized/considerations-before-you-purchase-life-insurance/#comments</comments>
		<pubDate>Tue, 27 Sep 2011 13:20:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.texastermbroker.com/?p=914</guid>
		<description><![CDATA[Instant Life Insurance Quote State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands Amer. Samoa Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 [...]]]></description>
			<content:encoded><![CDATA[<form name="consumer_id" action="http://www.compulife.net/cgi-bin/COMPLIFE/USER/1156/consumer_id.php" onSubmit="return checkform()" method="POST">
<input name="UserLocation" type="hidden" value="1156" />
<input name="TEMPLATEFILE" type="hidden" value="TEMPLATE_LOGO_0.HTM" />
<input name="HTEMPLATEFILE" type="hidden" value="HTEMPLATE_LOGO_0.HTM" />
<input name="ModeUsed" type="hidden" value="M" />
<input name="SortOverride1" type="hidden" value="A" />
<table class="default_table" align="center">
<tbody>
<tr class="default_header">
<td class="default_header" colspan="2">Instant Life Insurance Quote</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>State:</strong></td>
<td class="gray_cell">
<select name="State" size="1">
<option value="1">Alabama</option>
<option value="2">Alaska</option>
<option value="3">Arizona</option>
<option value="4">Arkansas</option>
<option value="5">California</option>
<option value="6">Colorado</option>
<option value="7">Connecticut</option>
<option value="8">Delaware</option>
<option value="9">Dist.Columbia</option>
<option value="10">Florida</option>
<option value="11">Georgia</option>
<option value="12">Hawaii</option>
<option value="13">Idaho</option>
<option value="14">Illinois</option>
<option value="15">Indiana</option>
<option value="16">Iowa</option>
<option value="17">Kansas</option>
<option value="18">Kentucky</option>
<option value="19">Louisiana</option>
<option value="20">Maine</option>
<option value="21">Maryland</option>
<option value="22">Massachusetts</option>
<option value="23">Michigan</option>
<option value="24">Minnesota</option>
<option value="25">Mississippi</option>
<option value="26">Missouri</option>
<option value="27">Montana</option>
<option value="28">Nebraska</option>
<option value="29">Nevada</option>
<option value="30">New Hampshire</option>
<option value="31">New Jersey</option>
<option value="32">New Mexico</option>
<option value="52">NY Non-Bus</option>
<option value="33">NY Business</option>
<option value="34">North Carolina</option>
<option value="35">North Dakota</option>
<option value="36">Ohio</option>
<option value="37">Oklahoma</option>
<option value="38">Oregon</option>
<option value="39">Pennsylvania</option>
<option value="40">Rhode Island</option>
<option value="41">South Carolina</option>
<option value="42">South Dakota</option>
<option value="43">Tennessee</option>
<option selected="selected" value="44">Texas</option>
<option value="45">Utah</option>
<option value="46">Vermont</option>
<option value="47">Virginia</option>
<option value="48">Washington</option>
<option value="49">West Virginia</option>
<option value="50">Wisconsin</option>
<option value="51">Wyoming</option>
<option value="53">Guam</option>
<option value="54">Puerto Rico</option>
<option value="55">Virgin Islands</option>
<option value="56">Amer. Samoa</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Birthdate:</strong></td>
<td class="gray_cell">
<select name="BirthMonth">
<option value="1">January</option>
<option value="2">February</option>
<option value="3">March</option>
<option value="4">April</option>
<option value="5">May</option>
<option selected="selected" value="6">June</option>
<option value="7">July</option>
<option value="8">August</option>
<option value="9">September</option>
<option value="10">October</option>
<option value="11">November</option>
<option value="12">December</option>
</select>
<select name="Birthday">
<option>1</option>
<option>2</option>
<option>3</option>
<option>4</option>
<option>5</option>
<option>6</option>
<option>7</option>
<option>8</option>
<option>9</option>
<option>10</option>
<option>11</option>
<option>12</option>
<option>13</option>
<option>14</option>
<option selected="selected">15</option>
<option>16</option>
<option>17</option>
<option>18</option>
<option>19</option>
<option>20</option>
<option>21</option>
<option>22</option>
<option>23</option>
<option>24</option>
<option>25</option>
<option>26</option>
<option>27</option>
<option>28</option>
<option>29</option>
<option>30</option>
<option>31</option>
</select>
<select name="BirthYear">
<option>1910</option>
<option>1911</option>
<option>1912</option>
<option>1913</option>
<option>1914</option>
<option>1915</option>
<option>1916</option>
<option>1917</option>
<option>1918</option>
<option>1919</option>
<option>1920</option>
<option>1921</option>
<option>1922</option>
<option>1923</option>
<option>1924</option>
<option>1925</option>
<option>1926</option>
<option>1927</option>
<option>1928</option>
<option>1929</option>
<option>1930</option>
<option>1931</option>
<option>1932</option>
<option>1933</option>
<option>1934</option>
<option>1935</option>
<option>1936</option>
<option>1937</option>
<option>1938</option>
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="selected">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
<option>2002</option>
<option>2003</option>
<option>2004</option>
<option>2005</option>
<option>2006</option>
<option>2007</option>
<option>2008</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Gender:</strong></td>
<td class="gray_cell">
<select name="Sex">
<option selected="selected" value="M">Male</option>
<option value="F">Female</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Smoker/Tobacco:</strong></td>
<td class="gray_cell">
<select name="Smoker">
<option selected="selected" value="N">No</option>
<option value="Y">Yes</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Health Class:</strong></td>
<td class="gray_cell">
<select name="Health" size="1">
<option selected="selected" value="PP">Preferred Plus</option>
<option value="P">Preferred</option>
<option value="RP">Regular Plus</option>
<option value="R">Regular</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Type of Insurance:</strong></td>
<td class="gray_cell">
<select name="NewCategory">
<option value="1">1 Year Level Term</option>
<option value="2">5 Year Level Term</option>
<option value="3">10 Year Level Term</option>
<option value="4">15 Year Level Term</option>
<option selected="selected" value="5">20 Year Level Term</option>
<option value="6">25 Year Level Term</option>
<option value="7">30 Year Level Term</option>
<option value="9">35 Year Level Term</option>
<option value="0">40 Year Level Term</option>
<option value="T">To Age 65 Level</option>
<option value="U">To Age 70 Level</option>
<option value="V">To Age 75 Level</option>
<option value="A">To Age 80 Level</option>
<option value="B">To Age 85 Level</option>
<option value="C">To Age 90 Level</option>
<option value="D">To Age 95 Level</option>
<option value="E">To Age 100 Level</option>
<option value="G">To Age 105 Level</option>
<option value="H">To Age 110 Level</option>
<option value="F">Other Term</option>
<option value="Z:357">10, 20, 30 Year Term</option>
<option value="Z:123456790TUV">All Level Term Product Categories</option>
<option value="I">10 Year Return of Premium</option>
<option value="J">15 Year Return of Premium</option>
<option value="K">20 Year Return of Premium</option>
<option value="L">25 Year Return of Premium</option>
<option value="M">30 Year Return of Premium</option>
<option value="W">To age 65 Return of Premium</option>
<option value="X">To age 70 Return of Premium</option>
<option value="Y">To age 75 Return of Premium</option>
<option value="N">Other Return of Premium</option>
<option value="Z:JKM">15, 20, 30 Year with ROP</option>
<option value="Z:IJKLMWXYN">Return of Premium Products</option>
<option value="8">To Age 121 Level (No Lapse U/L)</option>
<option value="P">To Age 121 Level &#8211; Pay to 100</option>
<option value="Q">To Age 121 Level &#8211; Pay to 65</option>
<option value="R">To Age 121 Level &#8211; 20 Pay</option>
<option value="S">To Age 121 Level &#8211; 10 Pay</option>
<option value="O">To Age 121 Level &#8211; Single Pay</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Face Amount:</strong></td>
<td class="gray_cell">
<select name="FaceAmount" size="1">
<option value="10000">$10,000</option>
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="175000">$175,000</option>
<option value="200000">$200,000</option>
<option value="225000">$225,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="350000">$350,000</option>
<option value="400000">$400,000</option>
<option value="450000">$450,000</option>
<option selected="selected" value="500000">$500,000</option>
<option value="550000">$550,000</option>
<option value="600000">$600,000</option>
<option value="650000">$650,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1100000">$1,100,000</option>
<option value="1250000">$1,250,000</option>
<option value="1500000">$1,500,000</option>
<option value="1750000">$1,750,000</option>
<option value="2000000">$2,000,000</option>
<option value="2500000">$2,500,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="6000000">$6,000,000</option>
<option value="7000000">$7,000,000</option>
<option value="8000000">$8,000,000</option>
<option value="9000000">$9,000,000</option>
<option value="10000000">$10,000,000</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Your Name:</strong></td>
<td class="gray_cell">
<input style="width: 180px;" name="Name" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Phone Number:</strong></td>
<td class="gray_cell">
<input style="width: 100px;" name="Phone" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>E-mail Address:</strong></td>
<td class="gray_cell">
<input style="width: 200px;" name="Email" type="text" /></td>
</tr>
<tr class="default_header">
<td colspan="2">
<input name="CqsComparison" type="submit" value=" Compare Now " /></td>
</tr>
</tbody>
</table>
<p>Life insurance is one of those products hyped by marketers who tout low  prices. Of course, cost is a huge factor in any financial decision. But  are you really getting the lowest cost and the best deal for your life  insurance needs?</p>
<p>Comparing the cost of anything needs to be done on an apples-to-apples  basis. For life insurance, that means the comparison is only valid when  you look at two contracts with the identical provisions and benefits.</p>
<p>Starting with term insurance, there are several points of  differentiation. First may be the company ratings. One may expect to pay  a little more for a company with higher ratings. If you are OK with  lower ratings to save a few bucks, go for it.</p>
<p>For annual renewable term products, you want to see how long the policy  will be in force and how high the premium gets in the later years. Few  policies last for life &#8211; and if they did, you probably would not be  willing to pay the premium when you are age 90. Other points of  comparison for annual renewable term contracts would be their  convertibility into permanent products at a later date. Some allow it  and others do not.Â Â  Some restrict what you can convert to, and others  allow conversion to any of the policies offered by the company at the  time. And lastly, some companies have very good permanent products that  you&#8217;d be proud to own, and others are not quite as good.</p>
<p>For term contracts, such as 10-, 20- or 30-year products, the same  points of comparison exist &#8211; along with a few new ones. You want to  evaluate what happens to the contract at the end of the guaranteed  premium period. Some will simply end the contract with no more coverage,  while others may offer extensions. The premiums, however, on those  extensions are frequently extremely high, effectively forcing you to  surrender the policy unless you knew that you were on death&#8217;s doorstep.</p>
<p>Permanent products such as whole life or universal life have a  completely different way to compare costs in addition to the  provision-by-provision comparisons. These products may be recommended  for estate planning or for a client who wants to build up cash inside  the contract for safety or future use.</p>
<p>I like to look at the internal rate of return on the internal cash  surrender value and the internal rate of return on death benefits. Most  permanent insurance illustrations will actually show you, year-by-year,  the forecasted rates of return on your premium dollars.</p>
<p><a href="http://www.stuttgartdailyleader.com/opinions/columnists/x2046634299/Making-Cents-Considerations-before-you-purchase-life-insurance">SOURCE</a></p>
]]></content:encoded>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The 9 Most Useful Life Insurance Riders</title>
		<link>http://www.texastermbroker.com/uncategorized/the-9-most-useful-life-insurance-riders/</link>
		<comments>http://www.texastermbroker.com/uncategorized/the-9-most-useful-life-insurance-riders/#comments</comments>
		<pubDate>Thu, 22 Sep 2011 00:54:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.texastermbroker.com/?p=912</guid>
		<description><![CDATA[Instant Life Insurance Quote State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist.Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Non-Bus NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands Amer. Samoa Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 [...]]]></description>
			<content:encoded><![CDATA[<form name="consumer_id" action="http://www.compulife.net/cgi-bin/COMPLIFE/USER/1156/consumer_id.php" onSubmit="return checkform()" method="POST">
<input name="UserLocation" type="hidden" value="1156" />
<input name="TEMPLATEFILE" type="hidden" value="TEMPLATE_LOGO_0.HTM" />
<input name="HTEMPLATEFILE" type="hidden" value="HTEMPLATE_LOGO_0.HTM" />
<input name="ModeUsed" type="hidden" value="M" />
<input name="SortOverride1" type="hidden" value="A" />
<table class="default_table" align="center">
<tbody>
<tr class="default_header">
<td class="default_header" colspan="2">Instant Life Insurance Quote</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>State:</strong></td>
<td class="gray_cell">
<select name="State" size="1">
<option value="1">Alabama</option>
<option value="2">Alaska</option>
<option value="3">Arizona</option>
<option value="4">Arkansas</option>
<option value="5">California</option>
<option value="6">Colorado</option>
<option value="7">Connecticut</option>
<option value="8">Delaware</option>
<option value="9">Dist.Columbia</option>
<option value="10">Florida</option>
<option value="11">Georgia</option>
<option value="12">Hawaii</option>
<option value="13">Idaho</option>
<option value="14">Illinois</option>
<option value="15">Indiana</option>
<option value="16">Iowa</option>
<option value="17">Kansas</option>
<option value="18">Kentucky</option>
<option value="19">Louisiana</option>
<option value="20">Maine</option>
<option value="21">Maryland</option>
<option value="22">Massachusetts</option>
<option value="23">Michigan</option>
<option value="24">Minnesota</option>
<option value="25">Mississippi</option>
<option value="26">Missouri</option>
<option value="27">Montana</option>
<option value="28">Nebraska</option>
<option value="29">Nevada</option>
<option value="30">New Hampshire</option>
<option value="31">New Jersey</option>
<option value="32">New Mexico</option>
<option value="52">NY Non-Bus</option>
<option value="33">NY Business</option>
<option value="34">North Carolina</option>
<option value="35">North Dakota</option>
<option value="36">Ohio</option>
<option value="37">Oklahoma</option>
<option value="38">Oregon</option>
<option value="39">Pennsylvania</option>
<option value="40">Rhode Island</option>
<option value="41">South Carolina</option>
<option value="42">South Dakota</option>
<option value="43">Tennessee</option>
<option selected="selected" value="44">Texas</option>
<option value="45">Utah</option>
<option value="46">Vermont</option>
<option value="47">Virginia</option>
<option value="48">Washington</option>
<option value="49">West Virginia</option>
<option value="50">Wisconsin</option>
<option value="51">Wyoming</option>
<option value="53">Guam</option>
<option value="54">Puerto Rico</option>
<option value="55">Virgin Islands</option>
<option value="56">Amer. Samoa</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Birthdate:</strong></td>
<td class="gray_cell">
<select name="BirthMonth">
<option value="1">January</option>
<option value="2">February</option>
<option value="3">March</option>
<option value="4">April</option>
<option value="5">May</option>
<option selected="selected" value="6">June</option>
<option value="7">July</option>
<option value="8">August</option>
<option value="9">September</option>
<option value="10">October</option>
<option value="11">November</option>
<option value="12">December</option>
</select>
<select name="Birthday">
<option>1</option>
<option>2</option>
<option>3</option>
<option>4</option>
<option>5</option>
<option>6</option>
<option>7</option>
<option>8</option>
<option>9</option>
<option>10</option>
<option>11</option>
<option>12</option>
<option>13</option>
<option>14</option>
<option selected="selected">15</option>
<option>16</option>
<option>17</option>
<option>18</option>
<option>19</option>
<option>20</option>
<option>21</option>
<option>22</option>
<option>23</option>
<option>24</option>
<option>25</option>
<option>26</option>
<option>27</option>
<option>28</option>
<option>29</option>
<option>30</option>
<option>31</option>
</select>
<select name="BirthYear">
<option>1910</option>
<option>1911</option>
<option>1912</option>
<option>1913</option>
<option>1914</option>
<option>1915</option>
<option>1916</option>
<option>1917</option>
<option>1918</option>
<option>1919</option>
<option>1920</option>
<option>1921</option>
<option>1922</option>
<option>1923</option>
<option>1924</option>
<option>1925</option>
<option>1926</option>
<option>1927</option>
<option>1928</option>
<option>1929</option>
<option>1930</option>
<option>1931</option>
<option>1932</option>
<option>1933</option>
<option>1934</option>
<option>1935</option>
<option>1936</option>
<option>1937</option>
<option>1938</option>
<option>1939</option>
<option>1940</option>
<option>1941</option>
<option>1942</option>
<option>1943</option>
<option>1944</option>
<option>1945</option>
<option>1946</option>
<option>1947</option>
<option>1948</option>
<option>1949</option>
<option>1950</option>
<option>1951</option>
<option>1952</option>
<option>1953</option>
<option>1954</option>
<option>1955</option>
<option>1956</option>
<option>1957</option>
<option>1958</option>
<option>1959</option>
<option>1960</option>
<option>1961</option>
<option>1962</option>
<option>1963</option>
<option>1964</option>
<option>1965</option>
<option>1966</option>
<option>1967</option>
<option>1968</option>
<option>1969</option>
<option selected="selected">1970</option>
<option>1971</option>
<option>1972</option>
<option>1973</option>
<option>1974</option>
<option>1975</option>
<option>1976</option>
<option>1977</option>
<option>1978</option>
<option>1979</option>
<option>1980</option>
<option>1981</option>
<option>1982</option>
<option>1983</option>
<option>1984</option>
<option>1985</option>
<option>1986</option>
<option>1987</option>
<option>1988</option>
<option>1989</option>
<option>1990</option>
<option>1991</option>
<option>1992</option>
<option>1993</option>
<option>1994</option>
<option>1995</option>
<option>1996</option>
<option>1997</option>
<option>1998</option>
<option>1999</option>
<option>2000</option>
<option>2001</option>
<option>2002</option>
<option>2003</option>
<option>2004</option>
<option>2005</option>
<option>2006</option>
<option>2007</option>
<option>2008</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Gender:</strong></td>
<td class="gray_cell">
<select name="Sex">
<option selected="selected" value="M">Male</option>
<option value="F">Female</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Smoker/Tobacco:</strong></td>
<td class="gray_cell">
<select name="Smoker">
<option selected="selected" value="N">No</option>
<option value="Y">Yes</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Health Class:</strong></td>
<td class="gray_cell">
<select name="Health" size="1">
<option selected="selected" value="PP">Preferred Plus</option>
<option value="P">Preferred</option>
<option value="RP">Regular Plus</option>
<option value="R">Regular</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Type of Insurance:</strong></td>
<td class="gray_cell">
<select name="NewCategory">
<option value="1">1 Year Level Term</option>
<option value="2">5 Year Level Term</option>
<option value="3">10 Year Level Term</option>
<option value="4">15 Year Level Term</option>
<option selected="selected" value="5">20 Year Level Term</option>
<option value="6">25 Year Level Term</option>
<option value="7">30 Year Level Term</option>
<option value="9">35 Year Level Term</option>
<option value="0">40 Year Level Term</option>
<option value="T">To Age 65 Level</option>
<option value="U">To Age 70 Level</option>
<option value="V">To Age 75 Level</option>
<option value="A">To Age 80 Level</option>
<option value="B">To Age 85 Level</option>
<option value="C">To Age 90 Level</option>
<option value="D">To Age 95 Level</option>
<option value="E">To Age 100 Level</option>
<option value="G">To Age 105 Level</option>
<option value="H">To Age 110 Level</option>
<option value="F">Other Term</option>
<option value="Z:357">10, 20, 30 Year Term</option>
<option value="Z:123456790TUV">All Level Term Product Categories</option>
<option value="I">10 Year Return of Premium</option>
<option value="J">15 Year Return of Premium</option>
<option value="K">20 Year Return of Premium</option>
<option value="L">25 Year Return of Premium</option>
<option value="M">30 Year Return of Premium</option>
<option value="W">To age 65 Return of Premium</option>
<option value="X">To age 70 Return of Premium</option>
<option value="Y">To age 75 Return of Premium</option>
<option value="N">Other Return of Premium</option>
<option value="Z:JKM">15, 20, 30 Year with ROP</option>
<option value="Z:IJKLMWXYN">Return of Premium Products</option>
<option value="8">To Age 121 Level (No Lapse U/L)</option>
<option value="P">To Age 121 Level &#8211; Pay to 100</option>
<option value="Q">To Age 121 Level &#8211; Pay to 65</option>
<option value="R">To Age 121 Level &#8211; 20 Pay</option>
<option value="S">To Age 121 Level &#8211; 10 Pay</option>
<option value="O">To Age 121 Level &#8211; Single Pay</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Face Amount:</strong></td>
<td class="gray_cell">
<select name="FaceAmount" size="1">
<option value="10000">$10,000</option>
<option value="25000">$25,000</option>
<option value="50000">$50,000</option>
<option value="75000">$75,000</option>
<option value="100000">$100,000</option>
<option value="125000">$125,000</option>
<option value="150000">$150,000</option>
<option value="175000">$175,000</option>
<option value="200000">$200,000</option>
<option value="225000">$225,000</option>
<option value="250000">$250,000</option>
<option value="300000">$300,000</option>
<option value="350000">$350,000</option>
<option value="400000">$400,000</option>
<option value="450000">$450,000</option>
<option selected="selected" value="500000">$500,000</option>
<option value="550000">$550,000</option>
<option value="600000">$600,000</option>
<option value="650000">$650,000</option>
<option value="700000">$700,000</option>
<option value="750000">$750,000</option>
<option value="800000">$800,000</option>
<option value="900000">$900,000</option>
<option value="1000000">$1,000,000</option>
<option value="1100000">$1,100,000</option>
<option value="1250000">$1,250,000</option>
<option value="1500000">$1,500,000</option>
<option value="1750000">$1,750,000</option>
<option value="2000000">$2,000,000</option>
<option value="2500000">$2,500,000</option>
<option value="3000000">$3,000,000</option>
<option value="4000000">$4,000,000</option>
<option value="5000000">$5,000,000</option>
<option value="6000000">$6,000,000</option>
<option value="7000000">$7,000,000</option>
<option value="8000000">$8,000,000</option>
<option value="9000000">$9,000,000</option>
<option value="10000000">$10,000,000</option>
</select>
</td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Your Name:</strong></td>
<td class="gray_cell">
<input style="width: 180px;" name="Name" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>Phone Number:</strong></td>
<td class="gray_cell">
<input style="width: 100px;" name="Phone" type="text" /></td>
</tr>
<tr>
<td class="gray_cell" style="text-align: right;"><strong>E-mail Address:</strong></td>
<td class="gray_cell">
<input style="width: 200px;" name="Email" type="text" /></td>
</tr>
<tr class="default_header">
<td colspan="2">
<input name="CqsComparison" type="submit" value=" Compare Now " /></td>
</tr>
</tbody>
</table>
<p>You&#8217;ve figured out how much life insurance you need, how many years you need it, how much you can spend and what type of policy best fits your situation.</p>
<p>But your homework isn&#8217;t finished yet. Now an array of life insurance policy add-ons, called riders, must be considered.</p>
<p>&#8220;Riders can give policyholders additional  benefits and increase peace of mind that if something goes wrong,  there&#8217;s a Plan B,&#8221; says Shelley Fiore, an agent for Detroit Financial  Group, a general agency of the Massachusetts Mutual Life Insurance Co.</p>
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<p>When you buy life insurance,  available riders vary by insurance company and policy, as do the rules  for how they work. Costs also vary and depend on many factors, including  your age, health and type of policy. We can&#8217;t list every option  available, but here are some of the most useful riders.</p>
<h3>In case you become totally disabled</h3>
<h3>1. Waiver of premium rider</h3>
<p>With this rider, you don&#8217;t have to pay the premium if you become totally disabled and can&#8217;t work.</p>
<p>Fiore says she always suggests that clients  consider it so &#8220;they don&#8217;t have to choose whether to put food on the  table or pay the insurance premium.&#8221;</p>
<p>Keep in mind the waiver expires, often at age 60 or 65.</p>
<h3>2. Disability income rider</h3>
<p>You collect a regular income from the  insurance company if you become totally disabled and can&#8217;t work. The  policy specifies the amount of the income and whether it&#8217;s paid for a  certain amount of time or for the length of the disability.</p>
<p>Some disability income riders pay out only  if you became disabled from an accident, while others pay on accident or  sickness, says Al Lurty, senior vice president of ING&#8217;s U.S. insurance  operations.</p>
<h3>In case you need more insurance but your health has declined</h3>
<h3>3. Guaranteed insurability rider</h3>
<p>This rider lets you purchase additional life  insurance coverage at a later date without undergoing a medical exam or  providing any evidence about your insurability.</p>
<p>Because you never know how your health could  change, Fiore says it make sense to consider the rider (if you&#8217;re  eligible) and think you might want to buy more life insurance later. The  option allows you to buy additional insurance at certain intervals,  such as every three years, or at certain ages, Fiore says. When the  option comes up to buy more coverage, the insurance company considers  your age for setting the premium, but not your health.</p>
<p>&#8220;I&#8217;ve seen people with severe heart  conditions or cancer get additional coverage who otherwise would have  been declined,&#8221; Fiore says.</p>
<h3>In case you want to convert term life to permanent insurance</h3>
<h3>4. Term conversion rider</h3>
<p>Term life provides coverage for a certain period of time, such as 10, 15, or 20  years. Permanent life insurance, such as whole life or universal life,  provides coverage for your entire life, so your beneficiary receives a  benefit no matter when you die.</p>
<p>This rider lets you convert <span style="color: blue;">term life</span> insurance into permanent life insurance without undergoing a medical  exam. Fiore says it&#8217;s especially attractive to young people starting  careers and families who need life insurance but don&#8217;t have enough money  yet to secure all the coverage with permanent life insurance, which has  higher premiums than term life.</p>
<p>There will be a deadline for when you must  convert, if you want to change the term policy to permanent life  insurance without providing health information. Understand the  convertibility features of term life before you buy.</p>
<h3>In case you become seriously ill</h3>
<h3>5. Accelerated death benefit rider</h3>
<p>This has become standard in the insurance  industry, Lurty says, and is usually included automatically for free or  offered at nominal cost. The rider lets you collect a portion of the  policy&#8217;s death benefit if you become terminally ill with a short life  expectancy, such as one year. The policy spells out how much of the  death benefit is available before death. Usually it&#8217;s capped at $250,000  to $500,000, Lurty says.</p>
<p>You can use the proceeds for anything, such  as paying medical bills or living expenses. Even though the insurer  offers the rider free, the company may charge a fee if it is exercised.</p>
<h3>6. Critical illness rider</h3>
<p>The insurer pays a lump sum if you&#8217;re  diagnosed with one of the critical illnesses specified in the insurance  policy, such as cancer, heart attack, stroke, kidney failure and others.  Instead of reimbursing you for medical expenses, the way health  insurance does, the rider provides money to use for any purpose during  the course of treatment.</p>
<h3>In case the unthinkable happens</h3>
<h3>7. Child protection rider</h3>
<p>No one wants to consider the possibility of  losing a child, so all emotion must be set aside when considering a  child protection rider. Although the death of a child typically would  not result in income loss, as would the death of a spouse, the tragedy  still would have some financial consequences, which could be an  additional hardship for a bereaved family. This term life insurance rider provides coverage for final expenses in case the unthinkable  happens. The coverage generally can be purchased in units &#8211; for example,  $1,000 &#8212; Lurty says, at a nominal price. Basic information about the  child&#8217;s health is required for underwriting.</p>
<h3>In case you die from an accident</h3>
<h3>8. Accidental death benefit rider</h3>
<p>If you die from an accident, this rider  provides an additional benefit on top of the policy&#8217;s regular death  benefit. The option is often referred to as double indemnity when the  additional payout equals the original death benefit. Sometimes the rider  also includes additional payment for dismemberment. You would collect  money if you lost a limb or your sight. Life insurers will consider your  occupation and hobbies when determining premiums, Lurty says. High-risk  activities, like race-car driving, would boost the rates.</p>
<h3>In case you outlive your term life policy</h3>
<h3>9. Return of premium rider</h3>
<p>&#8220;If you live to the end of the term, in  exchange for paying the premium, in most circumstances you get all your  money back,&#8221; Lurty says. He notes that some companies use a separate  rider where others, like ING, write the return of premium benefit into a  base policy.</p>
<p>You pay a higher premium for the opportunity to get your money back. The  big question to consider: How does paying the extra cost for the return  of premium rider compare to investing that money and buying a basic  term policy instead?</p>
<p>To find the answer, subtract the annual  premium for a basic term policy from the annual cost of a return of  premium policy. The difference is how much you would have to invest each  year during the <span style="color: blue;">insurance term</span>.  Then calculate what annual rate of return you&#8217;d need on that money to  beat the amount you&#8217;d get back from a return-of-premium policy.  Remember, money from the return of premiums is tax-free, but your own  investment returns are taxed. In some cases (depending on age, sex, tax  bracket and other factors), you&#8217;d need to get more than a 7% rate of  return on your investment to beat the return of premium policy, Lurty  says.</p>
<p>There is no one-size-fits-all answer to  whether any of these riders are right for you. You&#8217;ll need to weigh  policy options to find the best package for your needs.</p>
<p>&#8220;My best advice is to talk to a knowledgeable <span style="color: blue;">life insurance agent</span> to help make an informed decision,&#8221; Lurty says.</p>
<div><a href="http://www.insurance-forums.net/forum/life-insurance-forum/9-most-useful-life-insurance-riders-t31588.html">SOURCE</a><br />
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