Of all the different types of policies, the universal life insurance seems to be the most favorite among today’s policyholders. It is a much later innovation, conceived to meet a modern need. However, it does not mean that the earlier policies have all become redundant. No, even term life, the original life insurance policy, has quite a big following even today and so have the whole life policies. Nonetheless, people seem to prefer universal life because it combines the low cost protection of the term life with the saving elements of a whole life to provide a perfect solution to modern insurance need.I am sure you are aware that the term life is the original type of insurance policy. Indeed, life insurance may have actually started in the form of burial clubs and artisans’ guilds in the Middle Ages, but the term insurance that we know of today is a much refined version. It is a pure life insurance policy valid a temporary period only. You can buy one for a period of 1/5/10/15/20/25/30 years. Since these policies do not accrue any cash value, you can have a large coverage at a very reasonable rate.However, on the con side, unless you die within the valid period, the term insurance policies offer no return. The whole life policies were next conceived as its antidote. They had saving element incorporated in them. However, such policies were little too expensive and premium payment mode was little too rigid. The universal policies came next. It became instant hit because it offered more flexibility when it comes to cost and coverage.Indeed, if you want to take advantage of the market without loosing the security of the life policy, there can be nothing better than a universal life. Following are some of its salient points:• It is a permanent policy valid for the life of the insured and so whenever the insured dies, his beneficiary is sure to get the benefit.
• These policies are slightly overpriced and amount paid above the cost of insurance is credited to a cash value account.
• Interest too is credited to the account. It may either be determined by the insurer or pegged to financial indexes such as stock, bond etc.
• If you fail to pay the premium, the amount will be debited from this account, thus keeping policy in force in spite of occasional lapses.Today we also have variable universal insurance, which allows the cash value to be directed to a number of separate accounts that operate like a mutual fund. However, since these policies are equity based, they can offer higher return, but if the market goes down, they offer greater risk too. If you are buying the policy solely for insurance purpose, such a policy may not be a very good idea because the death benefit will be paid as long as you have enough cash value to pay the costs of insurance in the policy.However, it is not for me to tell you what type of policy to buy. Receive different categories of life insurance quote on line and then decide. All said and done, I cannot stop myself from adding that, for life insurance purpose, you will do well if you buy only a term life insurance. It is true that a term life does not offer cash value, but its rates are so low that only a financial fool will expect it from the policy. Instead, the financial advisers say that one should buy a low cost term life for insurance purpose and then invest the difference in separate fund.However, not every type of term insurance is cheap. The term life insurance no medical exam policy for example is so expensive that the concept of investing the difference cannot be applicable here; in fact, the price structure of such a policy does not leave any difference to invest. Sometimes they are as expensive as a universal life policy is. Yet, such policies are no less popular because they too have some unique advantages.No medical policies provide instant coverage. You apply today and if you qualify, your family will start being covered by the policy from tomorrow and that too for the full amount. Of course, just as every other case, suicide within first two years is always excluder from its purview; otherwise, every other type of death in included under this policy. You may wonder why this policy is so expensive. Actually, without the medical test, the carriers can never work out the exact cost of insurance and so they charge more. Remember, they are here to do business, not for charity.
Universal Life Insurances Can Be Popular – But Is It For You?
How to Encourage Young People to Read Educational Books
As a child I remember how much I used to love reading fiction books and detesting non-fiction books. No matter how many encyclopaedia and education books my parents had bought for me, I would always have a strong desire to read my fantasy fairytale books. There was something magical about immersing oneself into the creative world of the author and sharing their imaginative made up story. This for me was escapism, before the age of games consoles and online RPGs.However, nothing is more important than getting your children into the habit of reading education books, not simply as a short researching tool or quick resource book that they can look up. Education books do much more than simply aid a person when researching a topic for a project or assignment. Many people will agree that we all prefer to read up on the subjects that take our interest, but for those subjects we care very little about we avoid.Books that are boring to children will not inspire them to read. In a recent study involving the observation of school children being instructed to spend a set amount of time quietly reading, most of the children reacted with a few moans and groans, and whispering amongst them instead of reading. This study showed the lack of motivation for reading, making the task almost pointless and less effective. The problem is the lack of motivation to read, resulting in a lot of children feeling bored. The trick is to entice or introduce the children to the books in an interesting way.There are ways in which children can be encouraged to read education books through some simple and methodical approaches. These approaches are much more practical and involve some work on the parent or teacher. These guidelines are based on what has worked for past individuals who have successfully been able to regain interest into their children for reading non-fiction and education books. The method is not an easier approach, but will nonetheless involve plenty of interaction.The first thing to do is to engage some excitement in the exercise you are about to undertake. If you want the children to take an interest in history, it might be work taking a field trip to the local history museum or going on an excursion to look at some historical and monumental buildings. This will require some preparation and planning, as well researching in your part to make this work. Be sure to take some pencils, pens and sketch pads so that when you take the children out they can be creative in what they had seen. Speak to them about the buildings and give them some insightful information about the place you are visiting.The next thing to do is to point out how you found the information out, through reading. You can demonstrate your passion for reading by introducing them to the books that you sourced the information from. The trip will have raised some questions from the children and in turn they will want to find out more. If they see you reading they will want to do the same thing.An important step to take is to read aloud to your children, even if it is an education book about Ancient Rome. As long as they can understand what is being read to them, keeping them engaged by changing the tone of your voice and being animated in the way you deliver the words will help them to continue learning and further give them some encouragement to continue reading on the own accord.You can then work with your child or with a class of children to make a collection of information. For instance if the aim was to have your child develop an interest and understanding on Roman history then they can perhaps draw pictures of the Roman period, costumes, equipments etc. This can be compiled together to produce a work book or project folder that they can refer back to when they like. The main method of succeeding in this is to keep it fun yet insightful.For classroom activities, teachers can refer back to the subject at the end of the month and distribute activity sheets, assign each student to write an article complete with an image or take a trip to the same location and a different one relating to the topic you had studied previously, where you can test their knowledge. Taking trips to the library at the end of each month will keep their exposure to reading and books consistent.
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