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	<title>Truth Insurance Covered</title>
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	<link>http://www.truthcovered.com</link>
	<description>We contains a huge resource of benificial Insurance and Debt Plans</description>
	<lastBuildDate>Wed, 22 Feb 2012 05:44:55 +0000</lastBuildDate>
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		<title>Do You Need Credit Card Insurance</title>
		<link>http://www.truthcovered.com/do-you-need-credit-card-insurance/</link>
		<comments>http://www.truthcovered.com/do-you-need-credit-card-insurance/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 05:44:55 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
				<category><![CDATA[Credit Banking]]></category>
		<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[credit card insurance]]></category>
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		<category><![CDATA[Cheap Life Insurance]]></category>
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		<category><![CDATA[credit card issuers]]></category>
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		<guid isPermaLink="false">http://www.truthcovered.com/?p=226</guid>
		<description><![CDATA[When you administer for a acclaim card, you may accept been asked by the provider if you would like to add acclaim agenda allowance to your account. If you were not antecedent asked during anniversary assurance up, the catechism may appear if you actuate your new agenda or by a accidental buzz alarm from an [...]]]></description>
			<content:encoded><![CDATA[<p>When you administer for a acclaim card, you may accept been asked by the provider if you would like to add acclaim agenda allowance to your account. If you were not antecedent asked during anniversary assurance up, the catechism may appear if you actuate your new agenda or by a accidental buzz alarm from an anniversary representative. Acclaim agenda allowance may be portrayed as a must-have account but you should accede whether it is absolutely all-important for you.</p>
<p>Traditional acclaim cards about consistently appear with customer aegis from counterfeit action or absent cards. Acclaim agenda allowance is added advantage that is paid for by the agenda holder and goes into aftereffect if you acquisition yourself ailing and clumsy to acquire an assets or if you al of a sudden lose your job. This advantage is even applicable in the accident of your death. While alertness for such abrupt contest may complete like a astute choice, it is absolutely account your time to apprentice added about this added service.</p>
<p>There accept been abounding letters from consumers that did become ailing and if they went to book an allowance affirmation with their provider, they begin out too backward they were not covered for their illness. Essentially they paid for something that was ultimately no use to them. It is your albatross as a customer to accept absolutely what advantage entails and actuate whether this advantage is appropriate for you.</p>
<p>There are abounding humans who are already adequate from abrupt affliction or job accident through their affliction allowance or activity allowance policies. Purchasing this abstracted advantage is a decay of time and money. For those that do not accept absolute advantage for activity events, award such allowance advantage may be a astute move afore advance money into acclaim agenda allowance protection. Allowance provided by the acclaim agenda companies are not all-inclusive, acceptation you are paying for aegis on one acclaim card. With added types of allowance aegis such as affliction insurance, you are accoutrement all of your banking bases.</p>
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		<title>Credit Card Insurance &#8211; Is it Worth the Money</title>
		<link>http://www.truthcovered.com/credit-card-insurance-is-it-worth-the-money/</link>
		<comments>http://www.truthcovered.com/credit-card-insurance-is-it-worth-the-money/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 07:26:46 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
				<category><![CDATA[Credit Banking]]></category>
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		<category><![CDATA[credit card insurance]]></category>
		<category><![CDATA[credit card issuers]]></category>
		<category><![CDATA[Credit card Loan]]></category>
		<category><![CDATA[Credit Checks]]></category>
		<category><![CDATA[credit greeting card]]></category>
		<category><![CDATA[Credit Repair Service]]></category>
		<category><![CDATA[Free Online Insurance]]></category>
		<category><![CDATA[Life Insurance Online]]></category>

		<guid isPermaLink="false">http://www.truthcovered.com/?p=223</guid>
		<description><![CDATA[Insurance is a actual important affair for anybody and depends aloft the specific needs of anniversary individual. The aforementioned applies for acclaim agenda insurance. Although, if applying for a acclaim card, the allowance options complete great, in such scenarios as accident a job or bisected of your annual income. But, with abounding allowance policies, it [...]]]></description>
			<content:encoded><![CDATA[<p>Insurance is a actual important affair for anybody and depends aloft the specific needs of anniversary individual. The aforementioned applies for acclaim agenda insurance. Although, if applying for a acclaim card, the allowance options complete great, in such scenarios as accident a job or bisected of your annual income. But, with abounding allowance policies, it is awfully important to analysis absolutely what you do receive, as the akin of allowance you accept depends on which blazon of awning you are advantaged to.</p>
<p>It is important to accept what types of acclaim agenda insurances there are accessible and whether they annual you or not. There are four aloft types of acclaim agenda insurance: life, disability, automatic unemployment and property. If you accept acclaim activity insurance, again this will pay the bulk actual on your agenda at the time of your death, as continued as the name alms man of the allowance is the agenda company.</p>
<p>If you accept acclaim affliction insurance, again the allowance will awning the minimum transaction that is due on your agenda for a specific aeon of time afterwords a medical disability. But bethink that purchasing acclaim affliction allowance afterward you accept already become disabled will not baptize you to this cover.If you accept acclaim automatic unemployment insurance, again the allowance will pay the minimum transaction that is due on your annual if you are sacked or demoted for a specific aeon of time. Again, purchasing a acclaim automatic unemployment allowance afterwords you become unemployed will not baptize you to this cover.</p>
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		<title>How Does a Whole Life Insurance Policy Work</title>
		<link>http://www.truthcovered.com/how-does-a-whole-life-insurance-policy-work/</link>
		<comments>http://www.truthcovered.com/how-does-a-whole-life-insurance-policy-work/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 10:08:59 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
				<category><![CDATA[Insurance]]></category>
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		<category><![CDATA[Insurance Techniques]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Life Insurance Online]]></category>
		<category><![CDATA[Life Insurance Rates]]></category>

		<guid isPermaLink="false">http://www.truthcovered.com/?p=219</guid>
		<description><![CDATA[How absolutely does a accomplished activity allowance action work? Accomplished activity behavior are accepted with some baddest groups of humans but they are a little bit added circuitous than their apparent boilerplate simple to accept appellation activity allowance counterparts. The business of allowance has to be one of the a lot of underrated casework offered [...]]]></description>
			<content:encoded><![CDATA[<p>How absolutely does a accomplished activity allowance action work? Accomplished activity behavior are accepted with some baddest groups of humans but they are a little bit added circuitous than their apparent boilerplate simple to accept appellation activity allowance counterparts.</p>
<p>The business of allowance has to be one of the a lot of underrated casework offered in the United States nowadays. Not abounding humans anticipate accepting activity allowance is important and because of this we see that the industry is not as acknowledged as the auto and homeowners allowance business. It is important to apperceive however, that afterlife comes at any age; and if a being wants to assure their ancestors or added humans afterward their afterlife it is acute for them to acquirement a activity allowance policy.</p>
<p>There are two basal types of activity allowance in the United States that plan in absolutely altered agency and because of this accept altered premiums. One of these types of insurances is one that is alleged a acting policy. This action covers a policyholder for about 5 to 30 years and their premiums are a lot of of the time stagnant. On the added duke we accept the abiding action in which associates are covered for activity as continued as they pay all their premiums. Part of your exceptional will go adjoin a little extensive allocation of the action that will accrue over time and the added allocation of the exceptional goes appear the allowance amount of the afterlife benefit.</p>
<p>Whole activity allowance is one of the three types of allowance polices that you can access if you wish a abiding activity allowance policy. This agency that accomplished activity will awning you for activity and that your banknote amount (saving portion) will get college as time goes by. However, accomplished activity is altered in that your banknote amount is tax deferred until the alms man withdraws it and you c</p>
<p>an aswell borrow adjoin it.</p>
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		<title>Life Insurance Policies Term vs Permanent</title>
		<link>http://www.truthcovered.com/life-insurance-policies-term-vs-permanent/</link>
		<comments>http://www.truthcovered.com/life-insurance-policies-term-vs-permanent/#comments</comments>
		<pubDate>Sat, 18 Feb 2012 09:16:03 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Insurance Policy]]></category>
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		<guid isPermaLink="false">http://www.truthcovered.com/?p=213</guid>
		<description><![CDATA[When it comes to purchasing activity insurance, chief which affectionate of action to buy can be a challenge. But by acquirement about the characteristics of accessible activity allowance behavior and alive calm with an accomplished activity allowance agent, you&#8217;ll be able to accept the appropriate action to assure your admired ones. As the name suggests, [...]]]></description>
			<content:encoded><![CDATA[<p>When it comes to purchasing activity insurance, chief which affectionate of action to buy can be a challenge. But by acquirement about the characteristics of accessible activity allowance behavior and alive calm with an accomplished activity allowance agent, you&#8217;ll be able to accept the appropriate action to assure your admired ones.</p>
<p>As the name suggests, appellation activity allowance provides advantage for a assertive aeon of time, as defined in your policy. This agency that a afterlife account will alone be paid out if you die aural your policy&#8217;s term. Because of this axial characteristic, appellation activity allowance behavior tend to be abundant cheaper than abiding activity allowance policies&#8211;making it a actual ambrosial advantage to adolescent adults or families who can&#8217;t absorb a lot on activity insurance.</p>
<p>Though appellation activity allowance comes in two forms&#8211;level appellation (pays the aforementioned afterlife account no amount if you die during the term) and abbreviating appellation (the afterlife account decreases throughout the continuance of the policy)&#8211;level appellation behavior are by far the a lot of popular.According to the Allowance Information Institute (I.I.I.) accepted types of akin appellation behavior are:</p>
<p>Many appellation activity allowance behavior are renewable, which agency that you may be able to reinstate your action afterward the appellation ends, although acknowledgment may be accidental on casual a medical assay and will acceptable absorb an added premium. Additionally, the I.I.I. letters that a lot of insurers will not renew a action catastrophe afterward 80 years of age.</p>
<p>Premiums for appellation activity allowance are about based on your age and bloom cachet at the time the action is written. Some insurers agreement your premiums to break the aforementioned throughout the breadth of the term, but others may not accomplish that agreement (and access your premiums throughout the term)&#8211;so be abiding you&#8217;re acquainted of exceptional accoutrement adore signing a policy.Life allowance tip: Buying activity allowance if you&#8217;re adolescent and advantageous will advice you defended low premiums. Not a bounce chicken? Take affliction of your health&#8211;stop smoker and exercise consistently to get the everyman allowance premium.</p>
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		<title>Credit Card Insurance: Is It Overpriced</title>
		<link>http://www.truthcovered.com/credit-card-insurance-is-it-overpriced/</link>
		<comments>http://www.truthcovered.com/credit-card-insurance-is-it-overpriced/#comments</comments>
		<pubDate>Fri, 17 Feb 2012 10:54:56 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
				<category><![CDATA[Credit Banking]]></category>
		<category><![CDATA[Credit Card]]></category>
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		<guid isPermaLink="false">http://www.truthcovered.com/?p=209</guid>
		<description><![CDATA[The acknowledgment to the catechism of whether acclaim allowance is cher depends whether you are searching at it as a accomplished or whether you are searching at it in agreement of what added acclaim agenda issuers are charging. Even if your acclaim agenda issuer accuse added than that of addition issuer, you accept to attending [...]]]></description>
			<content:encoded><![CDATA[<p>The acknowledgment to the catechism of whether acclaim allowance is cher depends whether you are searching at it as a accomplished or whether you are searching at it in agreement of what added acclaim agenda issuers are charging. Even if your acclaim agenda issuer accuse added than that of addition issuer, you accept to attending at the allowances that are allotment of the amalgamation afore cartoon any conclusions. For example, Acclaim Agenda Issuer A may alone allegation 1.5% for affliction allowance but requires that you be out of plan the accepted thirty canicule but will alone pay for six months, admitting Acclaim Agenda Issuer B accuse 4%, still requires a thirty-day delay but pays for one year. You charge to accede these things afore you actuate that your acclaim agenda issuer accuse too abundant for acclaim agenda insurance, and as such, accomplish the accommodation not to acquirement it.</p>
<p>Credit agenda allowance is an accessible market, and you accept to bethink that the acclaim agenda companies themselves are not costs the insurance, but are application with an allowance aggregation to accommodate the benefits. Because of this, there is traveling to be a aberration amid altered acclaim agenda issuers because they will be application a altered allowance aggregation in a lot of cases. Even if they use the aforementioned company, there may be altered affidavit why ante are altered with acclaim agenda issuers, one of the a lot of acceptable be the bulk of participation. One of the appraisement factors that allowance companies use for premiums is the bulk of participants in a group, acceptation the added participants, the lower the bulk will be. This is why accumulation ante for any affectionate of allowance are lower than that of an alone policyholder. The bulk of claims is aswell a accidental factor, which may be addition acumen altered acclaim agenda issuers accept altered ante for acclaim agenda insurance.</p>
<p>Before authoritative a accommodation based on the ante your acclaim insurer charges, accomplish abiding you accede all of the possibilities and attending at what the approaching may authority for you if for some acumen you charge the allowance and it is not there. Remember, already you become ill or injured, you cannot al of a sudden adjudge to yield the allowance in adjustment to awning that incident. The allowance have to be in force above-mentioned to the adventure in adjustment for it to be covered.</p>
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		<title>ICC Collision Center: Their Greatest Assets Are Their Customers</title>
		<link>http://www.truthcovered.com/icc-collision-center-their-greatest-assets-are-their-customers/</link>
		<comments>http://www.truthcovered.com/icc-collision-center-their-greatest-assets-are-their-customers/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 07:14:52 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
				<category><![CDATA[business]]></category>

		<guid isPermaLink="false">http://www.truthcovered.com/?p=206</guid>
		<description><![CDATA[Many people have noticed that the highly known ICC Collision Center has been able to stay true to their main mission and vision which is for them to use all of their sources very effectively when it comes to providing the best possible level and quality of services there is to their most precious customers [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Many people have noticed that the highly known <a href="http://www.manta.com/c/mm3g4lb/icc-collision-center">ICC Collision Center</a> has been able to stay true to their main mission and vision which is for them to use all of their sources very effectively when it comes to providing the best possible level and quality of services there is to their most precious customers and vendors that surrounds a certain area of the Northwest Valley. The main reason why they put “provision of customers service in its finest sense” at the top of their priority list is because of what they strongly believe in; the ICC Center sees that it is very significant to take the best care there is to all of their customers because they are the ones who will be the reason for their success.</p>
<p style="text-align: justify;">The company also believes that their success will be further used to fully provide their customers with what they need anytime and anywhere.For this reason, the company has received hundreds of good and positive feedbacks from their critics, customers and other experts alike especially when it comes to their remarkable offers. <a href="http://hermosabeach.patch.com/listings/icc-collision-center">ICC Collision Centers</a> gives their clients the opportunity to greatly take benefit from their offers which is by the way, very easy to avail.</p>
<p style="text-align: justify;">Such offers are: availability of their shop or branches to promote convenience and optimum customer assistance, this is all thanks to the Hertz Firm; an 18 month free paint maintenance program, which very flexible and ultimately, their 10 day free car rental.In the year 1986 when the ICC Collision Center was conceived and founded, the people behind it decided to build their very first headquarters in the area of Los Angeles, California. Ever since that day, the center has never been what it was like before. It is because they never planned to stop giving out the best that they can possibly provide; this allowed them to be able to reach success very fast.</p>
<p style="text-align: justify;">Currently, the company has built up many ICC branches located within the Orange County as well as other place in the country.One of the most logical basis why the ICC Center has achieved great success so fast is that they put great amounts of quality in to their services The ICC Center demonstrate that they are always more than fervent to give their customers amazing service through their shops which are strategically built in cost effective areas in order for them to give great customer service to their clients.</p>
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		<title>Building Insurance for Flats</title>
		<link>http://www.truthcovered.com/building-insurance-for-flats/</link>
		<comments>http://www.truthcovered.com/building-insurance-for-flats/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 11:00:10 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
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		<guid isPermaLink="false">http://www.truthcovered.com/?p=203</guid>
		<description><![CDATA[There accept been situations in the accomplished area some accept had to leave the acreage because their roof had collapsed down due to the astringent acclimate conditions. Even admitting this doesn&#8217;t appear every day, humans accept to be acquainted that abrupt and adverse contest can occur. Building allowance will accordingly awning the accident acquired to [...]]]></description>
			<content:encoded><![CDATA[<p>There accept been situations in the accomplished area some accept had to leave the acreage because their roof had collapsed down due to the astringent acclimate conditions. Even admitting this doesn&#8217;t appear every day, humans accept to be acquainted that abrupt and adverse contest can occur.</p>
<p>Building allowance will accordingly awning the accident acquired to landlords and if the tenants accept been afflicted in any way, the allowance aggregation will atone for the tenants. It is the law that if the tenants are there at the time of the event, they should aswell be compensated for. Architecture allowance for flats accordingly covers concrete accident or accident that is acquired and will pay for any medical costs that the tenants may require.</p>
<p>It is important about that the acreage buyer has a action that will awning for any injuries that are acquired to the addressee as able-bodied as amercement that may could cause the building. Buildings allowance for tenants will be able to atone for the architecture structure, aliment and adjustment ancillary of things. So accepting this blazon of allowance is vital. Added things that the action will atone for cover plumbing, heating, and any added ability a architecture may have.</p>
<p>In adjustment to get this blazon of action it is important to access a architecture allowance quote. The adduce will acquaint you what the action in fact covers and the bulk of the insurance. The architecture allowance adduce can be accustomed afore demography out the policy, and again the action can be taken out over the buzz or over the internet.</p>
<p>Some accept that they cannot do annihilation in adjustment to abate the bulk they charge to pay for the allowance policy. Many anticipate that the adduce that is accustomed from one provider is the amount that will be accustomed by a lot of allowance providers; about this is far from the truth. Allowance companies do not accept admission prices on them like retail food which can alone be awash for the set price. It is accessible for the amount to change for the action by some acceptable and some analytic around.</p>
<p>&nbsp;</p>
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		<title>Life Insurance Policies</title>
		<link>http://www.truthcovered.com/life-insurance-policies/</link>
		<comments>http://www.truthcovered.com/life-insurance-policies/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 10:46:08 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
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		<guid isPermaLink="false">http://www.truthcovered.com/?p=201</guid>
		<description><![CDATA[Life insurance policies are basically of two types: term insurance and permanent insurance. A term insurance policy is where the benefit is paid if the insured dies during the term of the policy. Term insurance polices can be renewed after the expiration of the policy. Some also contain a convertibility option through which it can [...]]]></description>
			<content:encoded><![CDATA[<p>Life insurance policies are basically of two types: term insurance and permanent insurance. A term insurance policy is where the benefit is paid if the insured dies during the term of the policy. Term insurance polices can be renewed after the expiration of the policy. Some also contain a convertibility option through which it can be converted into a permanent policy. Premiums are generally small for term insurance policies. It is also difficult to get term insurance for older people, since their risk of death is greater. In a permanent term policy, the security is for the whole life of the insured. The premium is slightly higher for this policy. Other types of life insurance policies are: universal life insurance (the insured can select the premium to be paid); variable life insurance (the insured has the ability to direct the investments of the cash surrender value); variable universal life insurance, single premium life insurance (single up-front payment for the full life of the policy); and survivorship life insurance (joint insurance for two people).</p>
<p>There are many factors to be considered while choosing a life insurance policy. They are: the amount of insurance required, the type of insurance, affordability of the premiums, surrender charges, cash value projections, policy loans, dividends, mortality assumptions, the stability of the insurance company, and so on. Most insurance companies provide the same kind of offers. The best way to compare is to compare the premiums. If the premiums are the same, then compare the other benefits and terms and conditions.</p>
<p>There are hundreds of insurance companies that are offering attractive deals on all kinds of life insurance. You can contact an insurance agent for getting the right life insurance policy. The internet is also a very good source for obtaining quotes, comparing various policies and deciding on the best one.</p>
<div></div>
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		<title>Anthony Amaradio Shares His Life Story</title>
		<link>http://www.truthcovered.com/anthony-amaradio-shares-his-life-story/</link>
		<comments>http://www.truthcovered.com/anthony-amaradio-shares-his-life-story/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 09:58:14 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.truthcovered.com/?p=197</guid>
		<description><![CDATA[Anthony Amaradio has been considered as one of the most successful businessmen in the United States. However, his success in the world of business did not prevent him from exploring other adventures in life. In fact, Anthony is also known to others as a great philanthropist. Ever since Anthony was just a young boy, he [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;"><a href="http://www.grindtv.com/athlete/anthony-amaradio/" target="_blank"><strong>Anthony Amaradio</strong></a> has been considered as one of the most successful businessmen in the United States. However, his success in the world of business did not prevent him from exploring other adventures in life. In fact, Anthony is also known to others as a great philanthropist. Ever since Anthony was just a young boy, he already dreamt of becoming a rich tycoon someday. He was able to achieve this, not just because of his undeniable intelligence, but also because of his will and determination.</p>
<p style="text-align: justify;">Aside from this, Anthony Amaradio also worked really hard in order for him to finish college. He graduated at the University of Michigan and was able to get his Master’s Degree in Business Administration at the University of Detroit. Anthony also tried working in different companies. He was able to work at a finance services industry and was able to develop useful finance strategies that are being used by some of the most successful companies in the world. Because of Anthony’s talents and huge success, he was able to build his own company known as the Select Portfolio Management. This company is located in Southern California and was primarily built in order to provide assistance to amateur workers and entrepreneurs in developing their own wealth management strategies. The development of this company has made Anthony even more successful in the business arena.</p>
<p style="text-align: justify;">However, Anthony is not only good in doing business. He is also very kind and compassionate to other people. This is the reason why many consider him as a philanthropist, who always shares his blessings to others. In addition to this, Anthony also participates in different religious gatherings and seminars. He even offers himself to become a guest speaker in order to advise his audience on how to become a successful and effective philanthropist just like him. Anthony also co-wrote a very inspirational book called “Faithful with Much”. This book also helps inspire readers on how to live a generous life without worrying too much about money. It also teaches the readers on how to manage the wealth of God properly and share them to other people.</p>
<div style="text-align: justify;">
<p>Nowadays, Anthony lives with his wife Carin in Southern California, where his company is also located. He also spends some of his time commentating for his radio show called Money Talk. This show has tremendously helped him become a household name in California.  These are some of the things that people should discover about <a href="http://careywalsh49.bravejournal.com/" target="_blank"><strong>Anthony Amaradio</strong></a>.</p>
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		<title>My Life Insurance is Killing Me</title>
		<link>http://www.truthcovered.com/my-life-insurance-is-killing-me/</link>
		<comments>http://www.truthcovered.com/my-life-insurance-is-killing-me/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 07:39:06 +0000</pubDate>
		<dc:creator>matrix</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Insurance Policy]]></category>
		<category><![CDATA[Insurance Rates]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Tips&Idea]]></category>
		<category><![CDATA[Travel Insurance]]></category>
		<category><![CDATA[Truth Insurance]]></category>
		<category><![CDATA[Insurance Training]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Life Insurance Online]]></category>
		<category><![CDATA[Life Insurance Rates]]></category>

		<guid isPermaLink="false">http://www.truthcovered.com/?p=193</guid>
		<description><![CDATA[From a sales pitch perspective, life insurance can be a veritable minefield. Imagine a smooth dude in a snappy suit ushering forth a slick line like, &#8220;what will your family do if something unexpected happens to you?&#8221; Or, &#8220;you don&#8217;t really want your wife and children to wonder how they&#8217;ll make ends meet, do you?&#8221; [...]]]></description>
			<content:encoded><![CDATA[<p>From a sales pitch perspective, life insurance can be a veritable minefield. Imagine a smooth dude in a snappy suit ushering forth a slick line like, &#8220;what will your family do if something unexpected happens to you?&#8221; Or, &#8220;you don&#8217;t really want your wife and children to wonder how they&#8217;ll make ends meet, do you?&#8221; Talk like that can make your skin crawl! Of course we don&#8217;t want our families to wonder where their next meal is coming from after we&#8217;re gone!</p>
<p>The problem is that many of us make an emotional decision when we buy life insurance and we miss the financial implications. Make no mistake, caring for your family by purchasing good level term life insurance is absolutely essential. However, one of the greatest myths handed down through the insurance world is that the need for life insurance is permanent. From a financial perspective, this couldn&#8217;t be further from the truth.</p>
<p>Insurance is a financial tool that allows us to transfer risk. We transfer the risk only while we cannot afford to assume the risk ourselves.</p>
<p>Many insurance salespeople encourage life insurance products that have a cash value savings account built into them. They go by names like whole life, universal life, variable life, and so on. They&#8217;re an easy sell because we like the idea of having some of our premiums saved for us to use down the road &#8211; you&#8217;ll see these policies called &#8220;investments.&#8221;</p>
<p>Unfortunately, these cash value life insurance policies are very expensive for the consumer. The commissions are huge on these products and the returns on the savings accounts are depressingly low. To make matters worse, because of the expense related to these policies most policy owners don&#8217;t realize they&#8217;re underinsured. And should they kick the bucket, the beneficiaries only receive the policy&#8217;s death benefit &#8211; all the saved up cash value is kept by the insurance company.</p>
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