Thursday, August 23, 2007

Life Insurance - How Will You Feel?

How Will You Feel?

If you are considering purchasing a life insurance policy, paint yourself a picture that will help you make your mind up once and for all. This picture can be painted a million different ways, but it will always have the same underlying theme. The theme of this painting is "You", how you will feel at a given point in time; an image of your caliber.

The perspective of such an insightful exposé is not only your own, this is important because it is an honest reflection of who you are, who you want to be and how you will feel according to your choice. However, more importantly it is the perspective of your loved ones, your spouse, the children who look up to you, your siblings; "How will you be seen in all their eyes when that final important time comes? How will you see yourself in their eyes?"

You find out that little something that has been bothering you is not so little; your doctor has just given you a death sentence, and it is a matter of months. Your health has declined recently but this time you will not bounce back. It does not matter whether or not you have lived a long and full life, or if you are young and just putting down roots where your family can grow. The time for action is past at this point, there is no recourse, the die is cast and your path is set before you.

It is time to inform the people this will affect. Emotions are not all that is involved in these circumstances. Your spouse will be devastated as it is but, "What decision did you make that will affect him or her further and what about the kids and their future?" There will never be a cure for grief, but you have the chance during life to stem the financial hemorrhaging that will take place when you die.

The only choice you could have made to help you at this point was to plan and purchase the appropriate life insurance policy for your surviving family loved ones. The alternative is unbearable; it is too late to get a policy now. The worst is looming in the very near future, the bills are coming and the money is stopping. This is quite a departing gift to leave your soon to be widow and children. This information will be part and parcel of what you have to share about your diagnosis. As if the news wasn't bad enough. The shame of this thought alone should shake you to determined action.

Informing your loved ones that you will be leaving them soon is about as hard as it gets because you are face to face with your own mortality on top of the hurt that will come into the lives of those you have worked so hard to protect. Think about that for a moment. It will be crushing to them.

So, do what you can in life, to protect them in your death.

There is one point of solace; you have done everything you could to make this painful transition as easy as possible.

When you are gone, there will be finances to handle your final expenses, medical bills, funeral costs, etc. These items your family will not have to worry about. Your kids will still have the money to go to college; the house will be paid for.

This is perhaps the best expression of love you can show for your family; that you had the foresight to plan beyond your own lifespan to provide and protect the people you love. You may be departed soon, but you have taken a situation we all deal with and made the best choice for you and yours.

Praise yourself right now for being able to have the forethought to act upon prudent notions to assist you with your decisions while you are alive.

Friday, August 3, 2007

Inexpensive Health Insurance For Smokers and Drunks

Every body knows that smokers and drunks are charged higher for their insurance coverage. There are ways by which you can keep your insurance cover cost low as a drunker and as a smoker. If you need a cheap health cover as a smoker, you need to scout for the company with the highest discount percentage and buy your cover. You can reduce your cover rate by several percentages if only you can locate the company with the most moderate package for the insured.

There are so many insurance companies online and all the insurance companies online are looking for customers. So you have to take advantage of the simple fact that you are a potential customer to get the rate the best suit you. There are some people despite the fact that they smoke and drink, they rarely fall ill. Such people pay their premium and don't use their cover. If you are in this category, then you have to find a means of getting the lowest cost health insurance cover.

The best way to reduce your cover rate is to choose the co-pay or the discount health insurance for your health. Discount health plan will help you to pay the rate you like, discount health plan with help you to decide and dictate your premium rate.

Note: this policy plan is not very good for people that always fall ill.

I have always advice people to get a professional agent that will advice them on the best policy plan for their health and how to find the company that will give them the best of service and rate. Health insurance is a necessity but you can keep the cost low. Do not pay for what you will not need or what you will rarely need. Keep the cost low by all means.