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Affordable Term Life Insurance-Protect Your Family Income

22 Jun
"What You Should Know About Buying Life Insurance"Today we are looking for many ways to cut cost in the home and work place. Most of us  down graded and sacrificed to make ends meet.  Affordable Term Life Insurance is the one thing we can not afford to do without when raising a family.

Term Life Insurance is more affordable than whole life insurance which last in most cases to 100 and term life insurance last a certain amount of years then stops.

  • 15 yr term
  • 20 yr term
  • 30 yr term

The main purpose is for the families that need  affordable life insurance to protect against the lose of an income.

How Long Do I Need This Term Life Insurance?

You will need the your insurance to replace your income until your last child is out of college if you or your spouse should pass.

Do I pay less if a spouse is not working?

If you mean a stay at home parent, they do work. If that parent loses their life you would now be paying enormous cost for day care and after care. Not to mention missing work because of illnesses.  I would calculate what the extra care would cause and multiply it by the years it would take the youngest to finish college.

Can I borrow against my plan?

If you are investing the extra money you will be saving by using term life, you can borrow against that. If you are not saving the difference there is nothing to borrow.

How much should my policy be for?

Just calculate your income by how many years your youngest is out of college and allow extra for the rise of inflation.

How much do it cost?

Insurance is charge per $1000 (unit). The cost will change with your health situation. for instance you may pay $16 pr unit if your a 18 year nonsmoking female and $26 if your an 18 year old smoking female.

Males cost is slightly higher and the cost goes up the older you get. But you can afford more money on your life for a cheaper cost and later if you began to smoke or your health changes your policy will still stay the same.

The sooner you get your Affordable Term Life Insurance the better. Get your family protected against poverty by protecting your income. That will be the greatest gift you can give.

Resources:

How To Get a Free Term Life Insurance Quote

“What You Should Know About Buying Life Insurance”

CONSUMER GUIDE TO TERM LIFE INSURANCE

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Coping With Children Without Fathers In The Home

19 Jun

In a situation that a child is raised without their father it is imperative that the child be interacting with positive male role models. A girl child will learn to respect herself when growing up watching respectful male role models interact with women. A young boy will learn from example how to respect the future and present women in his life.

You want this positive male imagery to be present as early in life as possible. Can you think of any positive male role models? If not enroll your child where men are interacting and helping  children in a positive way.

  • School Programs
  • Church Programs
  • Boys And Girls Club

Dating Tip

Take your time when dating. Bringing a date home to your children to soon can cause a bad situation. Your family has to be secure and healed before moving on, just like you. Moving too fast can cause your child to suffer a lose should the relationship not work out.

Recommended Read


         Families Without Fathers: Fathers, Marriage and Children in American Society     Raising Male Children Without Fathers    Choosing Single Motherhood: The Thinking Woman's Guide  Single Wisdom: Empowering Singles, Divorcees, Widows & Widowers for Living--A Purposeful Life of Integrity and Learning the Art of Establishing Healthy Romantic and Marital Relationships

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3 May

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