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Life insurance has been around for many years and there is still a lot of confusion on how life insurance works and how the different life insurance policies work. In this article, I will be explaining how life insurance work and how the different life insurance policies work.

The idea of life insurance is based on pooling people's money together to give someone protection for their love ones against unforeseen deaths. There is a cost to belonging to this pool and it is called a premium. This premium is based on how much protection someone needs called the death benefit. The premium is also based on the age of the person and their health conditions. When a pool member dies, the death benefit is paid from the pool to the member's beneficiary. The beneficiary can be anyone that the pool member wishes. A life insurance company collects this premium each year from each pool member and keeps it until one of the pool member dies.

When you decide to become a pool member or have a life insurance policy, there are two different types of policies. The first type is called term insurance; this policy is based on paying the premium at a level cost for so many years. The term can be 10, 20 or 30 years base on your age at the time. This type of policy will pay the death benefit only and the premium will increase after the term.

The second type of policy is a permanent policy that has a death benefit and cash value account attached to it. The cash value account will grow based a fixed rate or a variable rate. The rate can be determined by the life insurance company or the stock market or interest rate market. The pool member can take out the cash value from the policy or cash out the policy. The premium can stay the same until someone is age one hundred. If someone reaches age one hundred, the death benefit will be paid out to the pool member. The most recent change for this type of policy is that the policy premium can be paid after age one hundred. The reason is that so many people are living beyond age one hundred.

In conclusion, the easiest way to understand the difference between the two policies is that buying term insurance is like renting a house and buying permanent life insurance is like buying a house. The question I am asks all the time is which life policy I should buy. I tell people that it is based on your situation.

Do you as a home owner take the time to really check what is covered in your home insurance policy and what is not? This is a very important thing to do so you don't assume that you are as covered as you would like to be.

Lets look at basic home insurance and what would be covered with this type of policy.

Basic home insurance would certainly cover basic hazards or perils such as Theft, vandalism, fire, explosions, lightening, damages from smoke, wind storm, hail, snow or ice, electrical malfunctions, vehicular activities, plumbing failures, volcanic eruptions, civil unrest and riots.

This list may not be exhaustive but it pretty much covers a lot of what you would get with basic home insurance.

You might be looking for other specific coverage like flood or earthquake or even any other mishap. This would certainly mean you would need to get additional policy. Take the time to really find out from your agent what you want.

A basic home insurance policy would take care of your dwelling, your property and would take of your some of liabilities arising from your home to an extent.

Of course, your dwelling is like the main thing being insured and that refers to the building itself. The structure and all.

Your property would mean every item in the house your valuables and not to valuable items.

In the event that someone injures themselves on your property, the liability insurance included in your basic insurance would take care of it to an extent. You would need to clarify the extent of this with your provider.

Insurance is today a highly competitive industry with players trying to win clients from one another. This is very good for us the insureds as we take advantage of these to further lower our premiums.

To take advantage of this competition, make sure to get several quotes from quote sites I promise you that you would immediately see yourself saving a lot on your home insurance.

I always recommend these two quotes sites because I absolutely trust them.

Check them out as they are totally free.

Hometown Quotes
Insureme Quotes
Chimerenka Odimba is the publisher Several finance based sites.

Why do you want to have a blog. Do you know what one is? Apart from the technical side, what do you want to write about and why? For pleasure,for potential profit? Narrowing down your motivations will help you decide on the theme, look and feel of your blog.

So having gone through it myself, what pearls of wisdom can I impart? I don't think its easy whatever some may say but it gets easier. It would have been helpful if I could have learned alongside someone who was also learning , perhaps only a couple of steps ahead; rather than a couple of miles! There are some out there who may be forgiven for forgetting what it is like to wrestle with terms like FTP and folders, themes and tickets, because they have done it many times before and with the best will in the world might leave out one or two crucial stages,because they are so used to doing it.

The one thing I can say is that you can get a blog going with perseverance and persistence and as long as you are prepared to put in the time and energy it takes, you will succeed. Just be prepared for some frustrations along the way.

When you are considering blogging, you need to think about marketing that blog and monetising it if making money is your motivation. There is a lot to learn but it is a great way to sell things using affiliate links and possibly your own products.

A few things you should consider before you set up your blog.

1. Its not that easy to get up and running if you are new to the internet and not used to doing much more than emailing and surfing but it can be done. It will take serious dedication and patience if you are going to make a serious business out of it.

2. You will need more than one blog if you are interested in selling in more than one field. Dont mix up your "lose weight fast products "blog with your "how to train your horse blog". One blog,one market.

3. Learn everything you can about blog marketing.How to set them up, how to get readers, how to get them to subscribe, how to get them to buy. There is a lot to learn and you can only do it in stages but as you progress,it will be easier to see the path to success. Keep taking action.

4. Learn something about SEO or search engine optimization or pay someone else to sort it out for you. You will need to optimize your blog so the search engines can find it.

5. Accept that you will be good at some things and hopeless at others. If you can't write, get someone else to do it for you.

6. Accept that you will get out of it what you put into it. It won't happen overnight.

I provide help and information on blogging for newbies. FREE tips for you,how to start , problems you will face and how you solve them. I have been there believe me!

Jane Robinson

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