Universal Life Insurance

I was flipping through a recent issue of Real Simple, when I ran across a short article—a Q & A, really. The column is called “Right on the Money,” and it focuses on ethics when it comes to your money. The question a reader asked was, “When filling out an insurance application, can I stretch the truth about my health?” The article explained in around 200 words why this is not a good idea—that it could lead to a future claim being denied.

When I thought about this, I realized that all that space was really unnecessary. “Stretch the truth” is a euphemism for lie. Lie. So, really, the questio

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Willys cynical thought for the day;

In my web research, Declaration of Independence, etc., I have yet to find where the government says they’ll be my freaking mommy! So you goddamn politicians stay the hell out of my life and pockets AZZHOLES!

The Nanny State (I got this in a Biker email rag)

Worrying about bacteria, New Jersey banned restaurants from serving eggs sunny side up. The ban has since been lifted. Some New Jersey localities have a ban on people pumping their own gasoline. Policemen issue citations for driving without a seatbelt. By law new cars must be equipped with air bags. Federal law mandates that all new toilets flush using a paltry 1.6 gallons of water. G

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When comparing whole life and variable life insurance policies, it is useful to know what common features these life insurance policies share, how the policies differ from one another, and the unique advantages and disadvantages of each policy.

Permanent Insurance Policies

Whole life insurance and variable life insurance are permanent insurance policies.

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There may never be a better time to buy term life insurance than right now.

After several years of declining rates, premiums for term life insurance started inching up last year, and many experts expect that trend to continue.

Rate increases in 2009 were announced by the majority of firms that sell term life insurance policies. One industry expert estimated that 75% of the country’s insurers have raised rates between 5%-15%. Although life insurance costs remain historically low, many industry experts expect rates to continue to climb–making now the best time for most consumers to get an online insurance quote.

What’s Happening with Life Insurance Rates?

The factors that are prompting the rate increases include:

• The Credit Crunch.

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Why apply over the phone? 10 minute enrollment * Instant Approval * Underwriting Advice * ID Cards

Plan Benefit Summary OneDeductible PPO Elite

Monthly Premium 139.90

Deductible Benefit Summary
2,850

Office Copay No

Coinsurance / Maximum Out-of-Pocket 80% (OOP: ,000)

Lifetime Maximum 25Mil

PPO Network HLK – www.healthlink.com
Don’t see your doctor or hospital in this network?
We have more than 80 PPO networks to choose from.
To customize this plan with a different PPO network call us at 866.425.3341

Maternity Coverage No Coverage

Outpatient Maximum

HSA Ready Yes

Plan Description The high deductible health plan with a single deductible for the whole family

Preventive Care / Wellness / Routine Physical Subject to the integrated deductible and plan coinsurance. Be

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