Viatical Settlements, Or Life Insurance Settlements
by: Donald Lusan
When I first heard of viatical settlements, or life insurance settlements, I shuddered at such a dastardly idea. I even put into words my deep feelings. You see I spent many years in the life insurance business and have seen the product work for the betterment of so many. I could not conceive of a pleasant result when one deprives the beneficiaries of what was due them. I guess I had not given the idea much thought, thus my extreme response.
Although I still do not feel it right to deprive beneficiaries of their life insurance proceeds so that an insured can get his or her hands on the proceeds of policies during their lifetime through life insurance settlements with investors, after much study and deep thought I can only conclude that there are situations where this is, not only justified, but is absolutely necessary.
If you bring into the picture the unfortunate person who is HIV positive or has developed full blown AIDS and are desperately doing everything they can just to stay alive with these extremely expensive drugs then you will, like I have, learn to appreciate the need for life insurance settlements.
Some people have no cash value life insurance they can borrow from; no nest egg they can draw on. All these people have is their life insurance policy. They therefore sell their policies to the highest bidder. They get 50% to 60% of the face amount of the policy which they use to pay for treatment and for the drugs they need to keep themselves alive.
Let us not elude ourselves that it is only people with aids who need life insurance settlements. There are certain cancers, heart, liver and kidney conditions that can devastate our lives and put us in a financial quandary. I am sure there are many more illnesses that I have not even thought about. I therefore conclude, because I am now more informed, that life insurance settlements can truly be necessary and that when people take this path it must be with great reluctance and heartbreak.
About The Author
Donald Lusan For more than 40 years Donald has been known for his extensive knowledge of the life insurance business. He has represented some of the largest and best life insurance companies in the United States as well as Canada. His advice is invaluable. Donald's website is: http://www.lifeinsurancehub.net
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Moving Help & Tips
Moving Help & Tips
by: Chris Gunnels
Moving your goods yourself can save you a great deal of money; here are ways to save on moving hassles as well.
Steps:
Take an inventory of your possessions. Use this list to determine the number of boxes and the size of the truck you will need for your move.
Interview prospective truck rental companies, and ask what kinds of services and insurance coverage they offer. Be sure to check the quality of the company's rental vehicles as well.
Rent the appropriate size vehicle (trailer, truck or van). Most rental companies provide free guides to choosing a vehicle size.
Ask about the rental vehicle's pick-up and drop-off points; arrange the drop-off point to be as close to your destination as possible.
Make necessary travel arrangements, such as hotel reservations for a move that will take longer than a day, or separate plane or car arrangements if any family members will be traveling...
Moving Help & Tips
Hearing aids > Moving Help & Tips
Hearing Loss is the Number One Disability in the World
Hearing Loss is the Number One Disability in the World
by: Jay Stockman
Hearing loss is prevalent in modern societies as a result of the combined effects of noise, aging, disease, and heredity.
Hearing loss is the number one disability in the world; approximately 28 million Americans suffer some type of hearing loss.
In addition, 15 of every 1000 people under the age of 18 have a hearing loss, and nearly 90% of people over age 80 have a hearing impairment.
The incidence of hearing loss is greater in men, than women. The sad part is, that hearing loss is the most preventable disability in the world.
Hearing is a complicated process involving both the sensitivity of the ear, as well as the ability to understand, and interpret the speech.
When we hear sounds, we really are interpreting patterns of air molecules in the form of waves. . The ear is able to pick up these waves, and convert them into electrical signals...
Hearing aids > Hearing Loss is the Number One Disability in the World
Mom Starts Home Business Teaching Parents To Sign to Their Hearing Babies
Mom Starts Home Business Teaching Parents To Sign to Their Hearing Babies
by: Liz Folger
You've just had this beautiful baby. And then it happens…they cry, they fuss and you have no idea what it is they want. What's worse is that for the next 13 to 15 months you're going to have little clue why this new beautiful bundle of joy is upset.
But do you really have to wait that long?
"Research has shown that while babies may lack the fine motor skills to speak, they do have the ability to understand and use language as early as 6-7 months. And given the right guidance, they have lots to say - with their hands."
Says Diane Ryan, Kindersigns founder, a certified speech and language pathologist, and an expert when it comes to teaching babies sign language.
So what does this mean exactly? Is Diane telling us that we don't have to wait until our babies are talking for us to know what they want? This almost sounds too good...
Mom Starts Home Business Teaching Parents To Sign to Their Hearing Babies
Hearing aids > Mom Starts Home Business Teaching Parents To Sign to Their Hearing Babies
hCG - Human Chorionic Gonada-what?
hCG - Human Chorionic Gonada-what?
by: Susan Tanner
...Tropin. Human chorionic gonadotropin. Sound
Familiar? You may or may not have heard of hCG,
but if you have, it may be because you read it on the
box of your home pregnancy test. That's because
hCG is the basis of home pregnancy tests. It's also
the basis for the blood and urine pregnancy tests that
your doctor performs. But there is much more to hCG
than simply being an indicator of pregnancy.
HCG is a hormone produced by the placenta during
pregnancy. It begins being produced and released
into the blood almost immediately after the egg
attaches to the uterine wall. Since hCG is released
into the blood so soon after conception, it can be
detected there even before your first missed
menstrual period, as early as six days after
implantation. Its function is to prevent the disintegration of
the corpus luteum of the ovary and thereby...
hCG - Human Chorionic Gonada-what?
Hearing aids > hCG - Human Chorionic Gonada-what?