Compare Term Vs Whole Life Insurance Policy

On the surface not a particularly exciting question, but one asked shockingly regularly as many folk won’t truly know the most important difference between types of cover plans. To begin with policies for life assurance come in 2 main forms with numerous sub forms under each.

The 2 main sorts of allowances can be headed under the titles of term life assurance and entire life policies often often referred to as universal cover. And both types of guarantee offer at their heart a money pile payout to the customers elected beneficiaries ( often family and family and friends ) on the clients death. So many family ladies and men will understand the need for some kind of protection for their family should anything unlucky happen to themselves.

Insurance payments can be serious and offer the clients beneficiaries an enormous fiscal cushion in the eventuality of the clients death. Term vs entire life assurance Term insurance term guarantee was the first and first kind of life cover policy and has been a product offered by insurers for over a hundred years. Term cover policies remain a very hip fore of life cover as usually a term life policy will be the least expensive sort of life cover on offer.

Term cover will be offering an important payout to beneficiaries in the eventuality of the customers passing. But doesn’t have a money pile payout to the beneficiary at their retirement as with a great many whole-life bargains. Because of this usually the premiums paid for term life cover will be significantly less expensive the entire or universal insurance programmed. Full life assurance full life or universal policies are a more recent type of life cover.

Offering the client as with term cover a giant payout to their appointed beneficiaries on the policyholder’s death. As well as this will universal and entire life policies will supply a money pile payout to the policy holder on or round the holder’s retirement and at maturity (completion) of policy. An entire or universal life policy can be regarded as life cover with an attached savings scheme or annuity part to pay to the policy holder at or around their retirement. Which is best, term or full life assurance? The solution to which is best, term or whole-life insurance, isn’t simple.

When you’re looking for the least expensive kind of cover and keeping your monthly premiums to a low then a term life assurance policy will almost surely be your decision.

As would still receive significant cover in the eventuality of your death. If however you’re looking for a costly sort of policy, which also has a money payout at retirement, then you may likely desire to have a look at full or universal life bargains. Learn More about Term Vs Whole Life Insurance Click insurance now.

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Prominent Canadian Aviation Accident Lawyer Comments on Malaysia Airlines Tragedy

Windsor, Ont. (PRWEB) July 18, 2014

Windsor, Ont. – Prominent Windsor accident injury lawyer Greg Monforton sends his condolences to the families who lost a loved one on the Malaysia Airlines MH17 aviation crash and makes further remarks on this tragic event.

“All Canadians, and especially the loved ones of those lost are entitled to both answers and accountability from the federal government and ultimately from those found responsible for this reprehensible tragedy. I urge all those charged with determining what happened to leave no stone unturned and not to rest until those responsible are brought to justice,” said Monforton, who previously represented a number of victims from the Nationair DC-8 aircraft crash that took place at King Abel-Aziz Int’l Airport in Jidda, Saudi Arabia.

On July 17, Malaysia Airlines flight MH17 went down near the town of Torez in the Donetsk area of eastern Ukraine. Approximately 298 people were on board; all were killed during the crash, according to an article published on July 18 by The Washington Post.* According to a CNN article published on July 18,** one of the victims was Canadian while the majority were of Dutch descent.

A preliminary classified U.S. intelligence analysis has allegedly concluded that a missile shot down the plane.** However, investigations into precisely what or who caused the crash continue. According to an article published on July 18 by The Washington Post, Ukrainian authorities are in possession of one black-box data recorder form the downed plane.

For continued coverage of the Malaysia Airlines tragedy and to learn more about aviation accident claims visit

About Greg Monforton & Partners

Greg Monforton & Partners is comprised of talented and experienced lawyers passionate about helping injury and accident victims who have been harmed by another person or entity. The personal injury firm handles all types of accident and injury claims arising from auto accidents, dangerous drug litigation, class action suits, pharmaceutical class actions, disability insurance disputes, and all other incidents involving injury or loss of life. For a free and confidential case evaluation, contact Greg Monforton & Partners by visiting or by calling 1-866-320-4470.

Greg Monforton & Partners

Suite 801, 1 Riverside Drive West,

Windsor, ON N9A 5K3


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Life Insurance

Here at OtermLife we have simplified the process in to five quick and easy steps.  In just five easy steps you can insure the protection of your family’s future.  Listed below is a detailed outline of our process.  Should you have any questions or concerns please feel free to call us toll free at 1-866-684-1186 to speak with a licensed agent to help you protect your family.

Step 1. Get a Quote.

And by ‘quote’ we mean a side-by-side comparison of several bids from some of the most trusted carriers in the industry.

You can start the quote process online, or give us a call at 1-866-684-1186 to speak with one of our licensed agents. Either way, it takes only about 9 minutes of your time, because we do all the hard work for you.

If you start the process online you have the option to view a ballpark quote almost instantly, but we’ll still need to give you a quick call to further customize the quote and help you evaluate your options. Its 9 minutes well spent.

One last thing, remember that quotes are only an estimate and are subject to a medical exam.

Step 2. Choose your insurance.

Now that you have your personalized quote with bids from a variety of carriers, it’s time to choose the plan that suits you best. We’re happy to discuss the options with you in detail if you’d like a bit of experienced and unbiased perspective. We say ‘unbiased’ because we’re one of the only companies who really doesn’t care which carrier you choose. We do not favor any of them, as we only have eyes for you.

If you’re feeling frisky, all of this can be done on that first call we mention in step 1. But we’re more than happy to take things slowly if that’s more your speed.

Step 3. Get a Medical Checkup.

You will meet with a technician for a mini medical exam in the convenience of your home or office. Our exam technician will measure your height and weight, as well as take blood and urine samples. The exam typically takes just 15 to 20 minutes, and your results will be strictly confidential.

Want to ace your exam?

Follow these tips to get the best results possible:

1. Schedule for early in the day at a time and place you feel relaxed

2. Avoid fatty foods, rich desserts, and alcohol for several days beforehand

3. Do not eat or drink anything but water for 8 to 12 hours beforehand

Step 4. Receive a decision.

It’s decision time. Your selected Life Insurance carrier will give you their final decision on issuing you a term life insurance policy. Assuming you’re accepted, your first premium payment will be due by this time. If, for some reason, you aren’t accepted by a particular carrier, we’ll work with you to find coverage through another.

Step 5. Start your coverage.

Congratulations! You’ll receive your term life insurance policy in the mail, along with the peace of mind that goes with it. You’ll also begin making your monthly or annual premium payments.

And don’t think you’re getting rid of us that easy. We’ll be around as long as you need us. Anytime you have any questions or concerns about your Term Life Insurance policy, all you have to do is give us a call at 1-866-684-1186.




By Gaurav Kuthari :- Term Life Insurance

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Whole Life Insurance Rates – 5 Important Facts about Buying Life Insurance

Whole Life Insurance Rates – 5 Important Facts about Buying Life Insurance
Whole life insurance plans provide permanent coverage, but they also feature a savings account that builds cash value at a fixed rate. The newly released blog post presents 5 key facts about whole life insurance. It is possible to find the best rates …
Read more on Virtual-Strategy Magazine (press release)

Does Anyone Need Life Insurance? Says Everyone, a website which prides itself on providing instant life insurance rates on both permanent and term life insurance products, has today published an editorial which espouses that buying life insurance is still often savvy, even when …
Read more on Virtual-Strategy Magazine (press release)

Best Life Insurance Rates for 2014 Now Acquired at Insurer Portal Online
Insurance products are typically not priced in a single package and usually require customization between consumers and agencies in North America. The Quotes Pros company is now displaying the best life insurance rates for 2014 that can be found using …

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Cigna Shocks Special Needs Family, Commits to Global Change, Paves Path of Inspiration, Inspires Enguity Technology Corp. to Help Others Advocate

BLOOMFIELD, Conn. (PRWEB) July 08, 2014

The family immediately sprang into action, advocating on behalf of their own daughter as well as all other special needs families. Cigna’s response to such advocacy, potentially affecting millions of their own policyholders worldwide, was immediate and almost as shocking to the Beahns as its original letter had been.

“We agree with you,” Cigna’s response read, “that ‘intellectual disability’ is much better terminology than ‘mental retardation.’” Just days later, Cigna followed up with a second communication explaining the steps they had already taken and those that they intended to take on behalf of “all families that have a loved one with an intellectual disability.”

Cigna representative Mark Slitt referred to the term “mental retardation” as both “outdated” and “hurtful,” conceding that the only appropriate action would be for the company to abandon the usage altogether in favor of a less derogatory term.

Cigna has shown a commitment to making the change. As Slitt has publicly stated, “It’s the right thing to do.”

The Beahns, for their part, are hopeful that this trail-blazing initiative on Cigna’s part will encourage others in the industry to follow suit. As they watch their daughter, Kennedi, continue to make strides, the couple remain deeply grateful to Cigna for taking the time to hear them out.

“We cannot begin to express how deep our gratitude reaches for simply taking the time to review our request,” said Kraig. Considering themselves part of the Cigna family, they are equally appreciative that Cigna “took the criticality of our request seriously and committed to making a change.”

Also appreciative of Cigna’s efforts is Progressive Pediatric Development Center founder Tammy McKenzie, who said, “Individuals and health care entities need to appreciate the connotation of those words. They wrongly assume these children cannot learn, nor should they be given the chance. As we have demonstrated repeatedly, these children do learn while becoming productive, happy, healthy human beings. Commitments like that of Cigna’s denote change, understanding and the intellectual provision of societal opportunity to those who might not otherwise be afforded a chance.”

About Kennedi Beahn:

Against all odds and under some of the most extenuating and unusual circumstances, Kennedi entered the world diagnosed with Trisomy 21, also known as Down syndrome, as well as a congenital heart defect that mandated open-heart surgery at the tender age of 76 days. Throughout the first 10 months of her life, however, none of the couple’s friends, family or health care providers had ever used the words “mental retardation” in reference to Kennedi.

The family was truly inspired to act by the recent success of globally recognized blogger Tara McCallan of The Happy Soul Project. Happy Soul Project is on a mission to break down the unnecessary negativity surrounding the diagnosis of Down Syndrome, while showing that different can be beautiful. Working with schools, hospitals, the Special Olympics and others, Happy Soul Project has spread their mission through ABCNews, The Huffington Post, FoxNews, MSN Canada, and many other global news and Media outlets.

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Annually Renewable Term Life Insurance a Trap According to

Chicago, IL (PRWEB) July 02, 2014, a service which provides website users instantaneous life insurance quotes online, is today alerting consumers of the financial dangers of relying on annual renewable term life insurance, which is also known as one year term life insurance. claims that such policies create a financial death spiral in that consumers are charged significantly more each year for these policies and that if the insured’s health deteriorates, the insured can become trapped in a life insurance policy that rises with age and rises at a pace even greater than that of new policy premiums. “Annually renewable term life insurance is the disposable silverware of life insurance. It’s cheap in the beginning, is far less valuable, and is far more expensive in the long run. Numerous firms, including a major retail chain, have actually taken to marketing this product as though it’s somehow a brilliant way for consumers to save on life insurance when in fact it’s a weak excuse for protection,” said Eric Smith, the founder of has not ever and commits not to in the future market or suggest annually renewable term life insurance to their clients on the grounds that it cannot be justified as an advantageous product.

Consumers interested in getting instant life insurance quotes online are encouraged to utilize the quote engine on Information can also be obtained by phone at 888.374.2764.

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New Anne E. Fowler Literacy Fellowship at Fairfield University Provides Tuition-Free Masters for PreK-3 Teachers to Address Widening Achievement Gap

Fairfield, CT (PRWEB) June 30, 2014

Only 20 percent of Connecticut children from minority, poor or otherwise disadvantaged backgrounds are reading at grade level in the fourth grade. According to the National Assessment of Educational Progress, the state ranks 50th in the nation in closing the achievement gap. In an effort to address this gap and to promote social equity and increased social mobility, Fairfield University’s Graduate School of Education and Allied Professions (GSEAP) is undertaking a new and innovative tuition-free program to better prepare classroom teachers to become master teachers and reading experts.

The University, in partnership with the Anne E. Fowler Foundation, announces the Anne E. Fowler Literacy Fellowship, an initiative to significantly raise literacy levels among low-performing elementary school populations. The fellowships will be awarded annually beginning in September 2014, and are funded, in part, by a gift from the North Haven, Connecticut – based Fowler Foundation and a grant from The Grossman Family Foundation of Cos Cob, Connecticut.

The need for such programs is evident. Teachers report a desire for stronger pre-service preparation and in-service support to address Connecticut’s growing achievement gap. The University, which also hosts a National Writing Project dedicated to strengthening the teaching and learning of writing for both students and teachers, is well positioned to improve these conditions through a comprehensive approach.

“We’ve long known that reading deficits manifest very early in a student’s life,” said Robert Hannafin, Ph.D., incoming Dean of GSEAP. “If not re-mediated, these deficits prevent students from learning increasingly complex — yet foundational – concepts, thus widening the achievement gap. We are very excited that the ‘Fowler Fellows’ will have the tools and support necessary to make a difference with these neediest of learners.”

Anne Campbell, Ph.D., associate professor of education who will coordinate the program, said, “The relationship of literacy to success in all content areas and the importance of early literacy to academic achievement has been well documented. The Fowler Literacy Fellows will learn and apply evidence-based literacy practices that support all students as they become proficient readers and strive to reach their full potential.”

The Anne E. Fowler Literacy Fellows program, named for the late Haskins Laboratories reading researcher and co-author of Connecticut’s Blueprint for Reading Achievement, will offer up to 10 teaching fellowships in 2014 to 2015, recruiting teachers initially from Norwalk, Bridgeport and other partner districts. The Fairfield program will provide teachers with coursework and field practica leading to an advanced degree in Teaching and Foundations with a concentration in literacy, language and culture. The fellowship will provide full tuition support, living stipends and health insurance for PreK-3 educators in public, private, and Diocese of Bridgeport schools who wish to receive advanced, specialized training in evidence-based literacy instruction. Over three semesters (fall, spring, summer), students will engage in full-time course- and fieldwork toward a master of arts degree centered on literacy. The partner districts will agree to offer teachers a leave of absence and the teachers will return to their districts ready to use their advanced training and participate in assessment and professional development for three years after graduation and complete their capstone projects on a part-time basis. The program welcomes partnership with increased numbers of eligible Connecticut school districts in hopes of providing professional development to teachers statewide.

“Fairfield has been chosen to take the lead in this important work because of the very high standards that we have established for teacher training, and our existing commitment to literacy training and teacher mentorship in our neighboring communities,” said University President Jeffrey P. von Arx, S.J. “Educating our youth and giving them what they need to reach their full potential is the most effective way to ensure a brighter future for all of us.”

“Early literacy plays a critical role in closing the achievement gap,” said Dr. Manuel Rivera, superintendent, Norwalk Public Schools. “In Norwalk, we’re committed to making sure that all our students are reading at or above grade level by the end of Grade 3. High-quality training and professional development opportunities are essential components of the comprehensive literacy plan we now have in place, and as a result, we’re very pleased to partner on offering this fellowship opportunity for teachers selected to the program.”

“There is no more important job than teaching a child to read,” said Margie Gillis, Ed.D., president and founder of Literacy How, Inc. “I have worked with Connecticut’s Black and Puerto Rican Caucus to support the implementation of some of the best reading legislation in the country. I believe that the program’s approach to teacher preparation is what is needed to close our reading achievement gap. It will provide essential knowledge about how literacy develops as well as guidance in translating research into effective classroom practice – Anne E. Fowler’s and Literacy How’s long-held vision for empowering teaching excellence so that every child learns to read by grade three. The curriculum will teach the most current research and will include a research agenda to guide necessary changes each year. All data will be transparent so that we are held accountable for the results. We are honored that so many equally committed partners have joined together to offer evidence-based educator preparation.”

Linda Franciscovich of The Grossman Family Foundation, a Cos Cob-based trust, said The Foundation was pleased to be a part of this innovative approach to teacher preparation that aligns best practices with rigorous metrics.

Fairfield will host a Graduate Information Session on Wednesday, July 9 at which interested teachers may learn more about the Fowler Fellow program. The event will be held from 5:30 to 6:30 p.m. at the Aloysius P. Kelley, S.J. Center in the center of campus. For more information and to RSVP, visit For directions, visit

For more information on the program, contact Dr. Campbell at (203) 254-4000, ext. 2873 or visit


Vol. 46, No. 316

Fairfield University is a Jesuit University, rooted in one of the world’s oldest intellectual and spiritual traditions. More than 5,000 undergraduate and graduate students from 36 states, 47 foreign countries, the District of Columbia and Puerto Rico are enrolled in the University’s five schools. In the spirit of rigorous and sympathetic inquiry into all dimensions of human experience, Fairfield welcomes students from diverse backgrounds to share ideas and engage in open conversations. The University is located in the heart of a region where the future takes shape, on a stunning campus on the Connecticut coast just an hour from New York City.

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Posted in Insurance Life | Tagged , , , , , , , , , , , , , | Leave a comment Initiates Irreverent Linkbait Strategy to Promote Online Life Insurance Service

Chicago, IL (PRWEB) June 26, 2014, a service which provides life insurance quotes online and instantly, is today beginning a campaign of irreverent memes published on Tumblr and other social media platforms to promote their service. “This would be the only irreverent ad campaign for marketing life insurance I’ve ever seen in America. There are some really great German life insurance commercials that tend to be filled with dark humor, but just about all American life insurance advertisements are just bland and sentimental. Most everyone looking for life insurance quotes online knows why they should have it and why it is a financial necessity, why not make fun of the concept a bit?”, said Eric Smith, the founder and independent life insurance agent of has started placing memes on their Tumblr page,, and intends to continue doing so on a regular basis in an ongoing attempt to generate publicity and secondary backlinks to the various pages of

Consumers interested in instantly comparing their rates for permanent or term life insurance are encouraged to visit or call 888.374.2764.

Posted in Life Insurance Quotes | Tagged , , , , , , , , , | Leave a comment Publishes Info-Graphic Illustrating Six of the Most Common Reasons for Not Owning Life Insurance

Chicago, IL (PRWEB) June 22, 2014, a service which allows consumers to instantly view and compare life insurance quotes online, is today publishing an info-graphic which displays six of the most common excuses for not owning life insurance. “If I told you that tomorrow your car was not insured for one day, would you drive it? The typical middle-class person will say no. The same person will very often live for decades without life insurance simply because they assume that there is no immediate risk. Many of these individuals have hundreds of thousands of dollars in debts, children to care for, and in many cases a spouse who would likely go bankrupt if their household lost an income. Life insurance is very simple, generally extremely cost effective, but if structured properly, it can be made to guarantee that whatever is paid into it will be a mere fraction of what is received by the beneficiaries regardless of how long you live. People may be reluctant to finally buy life insurance, but once they own it, they’re reluctant to ever part with it,” said Eric Smith, the founder of

The info-graphic is located here:’s future plans include a viral Tumblr info-graphic campaign showing consumers how to utilize indexed universal life insurance to guarantee their millionaire status upon retirement and to save on taxes in the process.

Consumers interested in instantly comparing rates for permanent or term life insurance are encouraged to visit, or call 888.374.2764.

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How to compare life insurance quotes online

Imagine your spouse passes away unexpectedly and you are left with the financial burden of having to deal with the expenses of a whole household and only a single income to manage it. A lot of people underestimate their monthly costs because they get too used to having two incomes to support the needs of everyone in the house. They neglect to review their financial status on a regular basis, and these unforeseen events then catch them by surprise. The whole point of taking out life insurance is to cover yourself and your family in the event of such things occurring. A lot of the time, the life cover is taken out on the man of the house as they tend to be the bread winner, or at least, they make the greater contributions toward the household expenses. For that reason, life cover for women is often overlooked and almost never considered at all.

Before taking out the first policy that comes your way, you need to ensure that you are getting value for money and that you can afford the benefits you are paying for. Life insurance quotes online Australia will help you get the quotes you need for the comparison. The list you get will take you to enough places that can help you, and you may even get lucky with enough information to make an informed decision. The two biggest things to consider when you take out life cover is whether or not the benefits will be sufficient to cover your required monthly obligations when you are gone and the second thing to look at would be the affordability of the monthly contributions that have to be made. It’s all fair and well that you get the money that will cover your expenses for the next 15 years or so, but if the money you are paying puts you way off budget, then you will most likely end up defaulting on the policy and defeat the purpose of taking out the cover. You need to realise that if you miss more than one payment on your policy, the insurer will automatically cancel the policy and you will not have cover.

Ideally what you need to do is get a complete run down of all your monthly expenses to see how much disposable income you have available. That will then give you an idea of how much you can spend each month. If the premium pushes you out of budget, then you either have to rework your monthly expenses or change the cover until it gets you to a more suitable premium.

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