Tag: Senior

Can You Find Low Cost Senior Life Insurance?

If you are over 65, or if you are taking care of an elderly person, you may have gotten some offers for senior life insurance. There are a lot of big companies, like AARP, that market a variety of life policies for older people. A lot of older people wonder if they should buy a policy to help provide cash for their families when they pass away.

Families may need cash when a loved one passes away. Funerals are expensive. Families also have other things to pay for at this time. Loved ones may need to take time off from their jobs, travel, and feed mourners. This can be a very stressful time for everybody. Nobody wants to add money problems to the stress.

However, older people will cost more to cover than younger people. While you can compare senior life insurance rates to find low cost alternatives, you have to decide if this is a good financial decision for your family.

Consider an example.

Keep in mind that the numbers I use are from one example policy, and you need to compare quotes to find the exact rates and policies for yourself.

A typical premium for a $ 10,000 whole life policy for a 70 year old would be about $ 75 a month. In our example, the policy will be paid up at age 95. After 95, the policy is considered paid up.

If that same seventy year old does live until ninety-five, premiums wuold have been paid for twenty-five years. This means that they would have spent nine hundred dollars a year for the insurance. This would add up to $ 22,500 over twenty-five years!

Paying over twenty thousand dollars for a ten thousand dollar policy does not appear to make sense. If the insured person would have takent that same $ 75 a month, and saved it at a low 2 percent interest rate, they would have almost $ 30,000 after 25 years.

Of course, that is one example of how life insurance companies profit. They do have to pay out death benefits when people pass away, but they also have the opportunity to invest the premiums while their clients are still alive!

If the covered individual only lives for a year or two, he or she would only have had to pay about one or two thousand dollars for that ten thousand dollars that the family will get. The insurer would, in this case, probably lose money. The insurer will be taking some risk when they issue a policy.

Buying insurance is all about mitigating risk. There may be some alternatives that would make more sense at this point though.

Senior life insurance can have some advantages. If you cannot save money well, you will never have the opportunity to grow a savings account. Some families have an easier time paying a bill than setting aside money to save. It may just make more sense to buy a policy.

The example that I used was just one common policy. If you shop around, you may be able to find senior life policies that are cheaper with better policy terms. For example, you may find a policy that will be paid up after 10 years, instead of being paid up at age 95. Please compare rates and policies before you decide to make a purchase!

Learn more about senior citizen life insurance and alternatives. Find out how guaranteed life insurance works. Also find out more about no medical term life insurance for people of any age.

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Senior accounting analyst jobs

The job of a senior accounting analyst encompasses a lot of responsibilities. If you wish to become a senior accounting analyst then be prepared for the huge responsibility that you are expected to shoulder as soon as you join as one. In this article you will learn some steps and techniques that you can apply in order to bag this prestigious position in any company. If you can follow the steps then maintaining your position or bagging the position of a senior accounting analyst in any company or organization. The work of a senior accounting analyst can be quite interesting as well and you can enjoy your work all throughout your life.

Financial statements are something that has to be prepared by the company very often and this work of preparation has to be conducted by the senior accounting analyst. Annual audit reports are very important for the functioning of the company and the senior accounting analyst needs to shoulder this responsibility.

In short you must understand that you need to play a pivotal role in supervising all the monetary transactions involved in the company. The company would be hugely looking up for right guidance from the senior accounting analyst.

Now the channels and the pathways that are supposed to be adopted by you in order to bag this special position of senior accounting analyst in any company can be winding as well. But if you are working in this company for a very long period of time and you have managed to display your skills in understanding and evaluating accounts for a consistent period then bagging this job would really not be a rocket science for you my friend. You should be the first one who should go forward to take up work responsibilities in your team and prove how adept you are as a leader. Through your work you should prove that you are capable of this.

But if you think that you must follow the path where you are required to start from scratch then it is better if you can take up accounts as your subject while pursuing your bachelors. You must have a very good grasp over the subject; this is really of utmost importance. Actually if you observe the trend of companies that are hiring people for such high posts then you will observe that they directly do not hire people for such a responsible post at one go. Rather the present employees are expected to strive for a period of 3 to 4 years and then bag a position which is as prestigious as this. So better be very careful with this.

But yes there are chances that you may be directly be hired for this post if you have worked for any company or for any organization as a manager. Because that would imply that you have an experience of exercising your power and make your subordinates work and operate for the purpose of achieving the targets.

This is a highly paid job, so if you can bag this position then life would be really smooth and good.

Silas Reed, Writer for AccountingCrossing, writes articles that inform and teach about different accounting job profiles.  Please visit http://www.accountingcrossing.com/lcjobtypelisting.php and sign up for a FREE trial to gain access to ALL of the many exclusive job listings we offer in the accounting profession.

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4 Essential Points To Consider When Planning For Insurance For Senior Citizens

Before planning for insurance, senior citizens must remember that a written proposal is always better than spoken word, some insurance agents are purely incentive-driven, understand everything you are supposed to sign, and there are insurance policy scams.

One of the fundamental reasons for buying insurance is to be able have some form of security for the future. Seniors should protect their assets from unseen calamities that may arise. Life Insurance Leads have made it easier for insurance groups to address the different insurance needs of senior citizens and are able to promote their products better. Senior citizens are unfortunately inundated with many insurance products with different coverage and benefits. Any individual, who is not aware of the intricacies involved in the business of insurance, may be left with an uphill task in the choice of a right type of insurance cover for him/her.

Don’t forget these simple tips:

Spoken word normally is preferred to a written proposal

Be sure that any insurance proposal is presented to you in a written format. This is so you will be able to review the details of the insurance policy later and that you will have proof of the agreement. A few of the insurance agents, rather more from that community, would just narrate the bright side of the insurance cover to their prospective customers so as to just woo their customers and would not tell even a bit of the dark side i.e. the hidden clauses of the insurance cover contract. Always have every insurance proposal presented in written form with a comprehensive list of the requirements, limitations, costs and other pertinent details.

Purely incentive-driven, are some of these insurance agents

There are some insurance agents who are purely incentive-driven. Instead of paying attention to what you may really need, they could, potentially, entice you with anything, pressuring you to include an insurance policy immediately into your financial plans. Make sure to choose an insurance agent who is really willing to take the time to understand you financial situation, concerns and insurance needs, and always watch who you entrust you financial plans to. Shop around if your insurance agent is urging you to decide today without allowing you time to think it over.

Understand everything you are supposed to sign

Take time to read and understand every contract related to the insurance policy you are about to purchase. Don’t sign anything that you have not read thoroughly. If it is possible, seek out the advice of a trusted friend, family member or credible legal advisor. If you are doubtful about any of the terms and conditions of the contract, don’t hesitate to ask.

Insurance policy scams are out there

Scammers who are willing to take advantage of unwitting customers are not exempt in the insurance industry. It is important to esure that the company has a credible track record and have the proper license. To background check on a company or an agent, you can contact the insurance commissioner of your state personally. You can also ask for feedback from your friends and family.

In insurance, it is all up to you to find the right coverage for your budget.

In case you want to be equipped with more knowledge about the Life Insurance Leads, then you are requested to log on to our website: http://www.toppickleads.com/life_insurance_leads.html.

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4 Important Reminders Senior Citizens Must Know Before Planning For Insurance

Security is one of the most important reasons to purchase insurance. Seniors should protect their assets from unseen calamities that may arise. Apart from being able to promote their products better, Life Insurance Leads have also made it easier for insurance groups to address the different insurance needs of senior citizens. Unfortunately, senior citizens are bombarded with many insurance products with different coverage and benefits. Any individual, who is not aware of the intricacies involved in the business of insurance, may be left with an uphill task in the choice of a right type of insurance cover for him/her. Don’t forget these simple tips:

A written proposal is always more effective than an oral presentation

Be sure that any insurance proposal is presented to you in a written format. Because you have a copy of your insurance agreement, you will be able to review all the details of your policy whenever you want. A few of the insurance agents, rather more from that community, would just narrate the bright side of the insurance cover to their prospective customers so as to just woo their customers and would not tell even a bit of the dark side i.e. the hidden clauses of the insurance cover contract. Always have every insurance proposal presented in written form with a comprehensive list of the requirements, limitations, costs and other pertinent details.

Purely incentive-driven, are some of these insurance agents

Some insurance agents are purely interested in their incentives. Be sure to pay attention to your needs, that way you don’t feel pressured to buy any extras. Make sure to choose an insurance agent who is really willing to take the time to understand you financial situation, concerns and insurance needs, and always watch who you entrust you financial plans to. It may be a good idea to find a new agent if your insurance agent is pressuring you to make a decision right away.

Comprehend everything before you put your signature on it

Before actually buying any type of insurance cover and signing on the dotted line of the contract, it is in your own interest to read between the lines of that contract of that insurance cover. Be sure you read things thoroughly before signing them. Preferably, you are able to also inquire the suggestion of a relative associate, reliable comrade or else lawful consultant. If there is something written in the contract that seems confusing or uncertain, be sure to request clarification.

Some insurance policy scams do exist

Scammers who are willing to take advantage of unwitting customers are not exempt in the insurance industry. Ensure whether the people or companies you are about to deal with are properly licensed and backed with a credible track record. You can personally contact the insurance commissioner of your state to background check on a company or an agent. Another idea would be to solicit constructive criticism from your relatives and other people you know.

It is usually a beneficial idea to entail an insurance policy in your financial plans however, the results mean it’s your own responsibility as a consumer to try to find a good investment that you and your loved ones can benefit from.

For further information regarding Free Life Insurance Leads, you may go to http://www.toppickleads.com/life_insurance_leads.html.

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