Over 50’s Life Insurance Plans Good Value?

One of the most popular life insurance plans currently advertised in the press and on televisions are the over 50’s plans or you might sometimes hear them called funeral plans and advertised with the aim of covering the funeral costs on death.

Typically these policies offer a free welcome gift like shopping vouchers when you sign up as a way of encouraging the potential customer to apply and have no requirement for any medicals or medical questionnaires and if you die after one or 2 years depending on the insurer you will get paid on your death the amount your policy is for.

But there is a cost for this, as using the figures for one of the UK’s leading life insurers a 55 year old non smoker taking out an over 50’s life insurance policy paying £6 per month would receive life cover of £1131 life cover. This is where it gets interesting as the same company offers a non over 50’s life plan and the same 55 year old non smoker taking out a life plan over 30 years and paying the same £6 per month would receive £6436 life cover or almost 570% more cover for the same monthly payment!

So if you are in good health it is possible for the same monthly payment your loved ones could receive an extra £5,005 on your death.($8088)

Before jumping to the conclusion that they are not good value for money though a few of things need to be considered.

  1. The over 50’s plan does not require a medical and if you are not in good physical health it is possible you might fail the medical so the over 50’s version might be the only option available to you, and regardless of the state of your health your loved ones will get the money if you outlive the qualifying period.
  2. The over 50’s version continues until the age of 90 and then cover continues for free (If you are lucky enough to live that long it means you have paid out £2,520 premiums but will only receive back £1131)
  3. The under 50’s version stops at 85 so if you die after this date the premiums you have paid will be lost as you will no longer have cover.

So if you are looking for life insurance shop around and consider your options carefully as just because a plan is advertised very heavily on television and in the press does not mean that it is offering good value. The point of all life cover is to provide cash for your loved ones or dependents on your death and the more cover you can get for the same monthly premium the better.

FAP Turbo is the Most Financially Productive System Today – Will it Maintain This Lofty Position?

There can be no questioning the fact that FAP Turbo produces more profits for its clients than any other Forex trading system that has ever been introduced. But each and every week there is another currency trading system that is being made available to the general public, so exactly how long is it going to be able to hold on to this gigantic lead it has?

If I were getting ready to obtain a Forex software trading system this is a question that I would defiantly want answered. I mean what happen if the day after you bought FAP Turbo something comes out better than it?

If that happened I personally would jump for joy. It would mean that there is something that can provide me with even more income than FAP Turbo does and I would switch to it immediately. But, until that day comes along, what am I going to do, not take all the profits it is providing me? Of course not!

If you think about the cost of these systems, they are nothing compared to the revenue they are able to produce. There is not a week that goes by, I should change that to there is not virtually a day that goes by that this exceptional software system does not produce more positive revenue than it cost me to purchase. Of course your profits could vary based on the amount you invest. If you’re like me and just leave your profits in your account, you will see you income start increasing rather rapidly.

If you don’t believe me you can go to FAP Turbo’s website and see for yourself. They display the real time actual results every fifteen minutes the markets are open. You can see exactly what you would have made during this period. If they lose money, they post that, if they make money they post that. I have news for you; they are not providing this financial information because you don’t make good money with the software. It only takes ten minutes to check it out and if it can do for you what it has done for hundreds of thousands before you then it certainly could be the best ten minutes you have ever spent.

How To Get The Best Rates On Health Insurance In Oklahoma

Oklahoma insurance law states that your health insurance company can take as many as forty-five days to decide whether they are going to pay a claim. This may seem like a lifetime to someone facing large medical bills however their main concern shouldn’t be on their health insurance but instead on their health. The best way to ensure you are getting the best rates on health insurance in Oklahoma is to do some comparison shopping and then speak to an agent about any of your concerns before agreeing to a policy. Once you have your health insurance plan in place, you can then focus on staying healthy so you rarely have to use it.

To find the best rates you really need to get quotes. Quotes can be gathered in several different ways but generally you’ll be calling health insurance companies and asking for a rate quote. They’ll want to know your age, and overall health as well as the details about any other family members you wish to insure. Although it may seem logical that insuring one person is cheaper, don’t be discouraged if you have a partner and several children. You can still find a good rate.

Apply for health insurance early in life. If you are in your twenties and you rarely visit the doctor you may think that you can put off buying health insurance for a few years. You can but expect to pay more if you take this approach. Health insurance companies base their rates on several factors including your claims history and your health history. If you apply when you are older and have already faced numerous health problems, your rates will tend to be much higher. You should also bear in mind that a health crisis can occur at any age and without adequate coverage you could find yourself deeply in debt.

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