How Much Life Insurance Should You Really Have
Deciding how much life insurance you really need can be confusing no matter what age you are. Simple calculators can complicate the decision by telling you that you only need eight times your annual income. Other online tools will tell you that everyone should take out a policy totaling at least a million dollars. The truth of the matter is this – life insurance is a very personal decision, and the decision shouldn’t be made lightly. Here are considerations to take when deciding just how much life insurance you really need: Final Expenses Funeral and burial expenses can vary by state, location, funeral home and cemetery. On average, final expenses today cost $15,000. If you live a full life, you can expect this cost to be much higher by the time of your passing. The proceeds from your insurance policy are tax-free and will often be delivered more quickly than if your loved ones had to wait for money from your estate. Debts Total the balance of your mortgage, vehicle loans, student loans and other debt that you are currently carrying. For instance, if the balance of your mortgage is $70,000, you owe $25,000 in auto loans, $50,000 in student loans and have a personal loan with a $10,000 balance; your total would be $155,000. College Tuition If you have children, you’ll want to ensure that they are able to attend college. College tuition rises at a rate of about five percent per year. Take a look at the current costs of any colleges that you are interested in sending your children to. Decide if you want to foot the bill for four years of college or are only going to foot the bill for a portion of the costs and come up with a total. If the state university is currently charging $15,000 per year for tuition and room and board, you would need $60,000 to send one child off to college this year. Replacing Your Income Because you have already covered the cost of your final expenses, debts and the kids’ education, you only need to include about 50 percent of the income that you would earn until retirement. For example, if you earn $40,000 a year, divide that number by 0.05, and it totals out to $800,000. Using these examples, you would need coverage in the amount of $1,300,000. Use this number as a starting point only. Depending on your family’s situation, you may need more or less coverage. If you have no pension through your employer, you may want to take more coverage. If you have a $40,000 life insurance policy through your company, you may want to consider less coverage. You can also take less coverage if your spouse makes a substantial salary or if you have a significant savings account. Life insurance is a very personal consideration, and it is a consideration that should not be taken lightly. Our thoughts rarely turn to death when we are young and healthy. Accidents and sudden, unexpected illnesses do occur, and the eventuality of your death must be discussed. It’s important that your family not suffer needlessly after your passing. Purchase a life insurance policy with the proper amount of coverage to ensure that your family is taken care of after you are gone.

How Much Life Insurance Should You Really Have?


A quote from commercial van insurance is something you need to check first when you are going to apply for a commercial van insurance. Commercial van insurance in the UK differs from a quote of personal insurance in many different ways. The two quotes will differ in terms of the type of coverage that you will need. One of the insurance companies that provide you several options is AXA van insurance. Moreover, this insurance is not something that you can leave behind while you are just setting up your business. It is better to get an insurance estimation in order to protect your business assets. The commercial van insurance is completely different from car insurance. We’ll be discussing the differences below. The first tip is to do your homework, which is finding out and searching online for extras that you can add or remove from your van package. It is a good idea to find the highest and the lowest price that are available. Find also the limitations and advantages. Secondly, find an insurance broker. Usually, they represent not only one company, but many companies. This way, they will have the capability of providing multiple quotes without you need to shop around. They may be able to find you the best coverage according to your needs and they would have the knowledge of the local market. The last tip is to buy bundle packages. Buying a bundle with an insurance company may reduce insurance costs overall. However it is important to have in mind that some of the packages may contain cover that will give no benefit to your business.

Commercial Van Insurance Tips before Joining the Company


How Frugal Homeowners Save on Home Insurance
Home insurance can be one of the most important bills you might find yourself paying every month, yet many people overpay for it by accepting the first quote they see. For the majority of people, there’s no reason to settle for an unreasonable home insurance bill. If you save money in other areas of your life, why not apply the same simple principles to reduce your home insurance bill? Here are some simple tips to help you save money on your homeowners insurance. Frugal people don’t have to go without insurance in order to save money if they put these tips into action. Raise your deductible. The single easiest way to reduce your monthly premiums is by raising your deductible. This is always a tradeoff to consider carefully, as this means you will have to have a little more cash on hand. If there is a disaster and you are required to pay your deductible, you will need to pay more – $1,000 instead of $500, for example. The money you save in premiums can easily be put into a deductible account if you want to fund this potential expense. Keeping a little extra in your emergency account is typically worth it, however, as most people don’t file claims for years. Install safety features. Your home insurance price depends greatly on the safety features in your home. If you have a smoke detector, for example, you will pay far less each month than someone who doesn’t. There is no reason to be without basic security like a smoke detector! Another type of safety feature many people overlook is an alarm system. Insurance companies are happy to offer people with alarm systems lower rates because their risk of burglary is lower. Combine your policies. Do you currently pay for auto or life insurance? Combining your policies can help save you money. The exception to the rule is if you have a policy that is particularly valuable – say, one you bought during a different economic time when the rates you were offered were better than today’s rates. In general, many insurance companies are willing to attract customers by allowing them to combine policies and receive a percentage discount for each policy they hold. Shop around when you renew. Don’t just automatically renew your policy every year – take the chance to shop around a little and find a better homeowners policy. Use an online comparison tool to get home insurance quotes that are tailored to your home profile and local area. Then, follow up with insurance agents or representatives to make sure you’re eligible for these rates. Getting better home insurance rates isn’t an impossible chore. If you are frugal in other areas of your life, you probably have the patience required to save money on home insurance, too. There’s no reason you should be paying far more for home insurance just because you didn’t shop around enough before accepting a quote and signing a contract. When your contract expires or you move, take the time to shop around for the right policy. Barry Johnson is an insurance adjuster. He frequently shares money saving tips on homeowner blogs.

How Frugal Homeowners Save on Home Insurance



How Savings is More Important than Income
We all love to earn, as much as we can. This is a common and very natural behavior of human beings. In fact, if we don’t feel like earning and gathering more wealth, a economy will perish and no longer exist. So, income is must for a person as well as for an economy. However, there is a saying, ‘It doesn’t matter how much you earn; what you save from your earning is all that matters’. In this context, savings is more important than income itself. In fact, it’s the ultimate earning a person or a nation earn. You earn $10,000 and spend $8,000 every month. Mr. John earns $5,000 and spends $1,000 every month. Just make the calculation – who is richer? You or Mr. John? Anyone’s guess. It’s John. So, the fundamental rule is that you need to save more and more irrespective of how much you earn. From the above given equations, you actually earn $2,000 per month whereas Mr. John is earning $4,000 every month and at the end of the year, he will have $4,000 x 12=36,000 in his pocket. You on the other hand will be left with $2,000 x 12=24,000, even though literally you are earning more than Mr. John is. Importance of savings As you are a matured person, you should know that we all have financial uncertainties. At any point of time, we may meet with emergencies when we need to shell out a huge amount of cash. Where will you manage that cash from? Your income won’t be sufficient enough to meet your financial emergencies. Worse, you cannot borrow money too in the short time nor will any financial institutions will issue you a huge amount. You’ll be in a financial jeopardy. In that crunch situation, only your saved money can bail you out. Yes, your savings is the key here and can easily cover the expenses which you’d incur. Hence, give top priority to savings. Whatever earning you have, you still can save a few bucks from it. Small savings will eventually turn out to be huge asset for you. Moreover, you can earn extra on your savings in the form of bank interest or so. How to save money To save money, you need to have a willing for it; proper vision for it; objective for savings; and your financial planning. First, check your spending spree. Of course, you earn to spend it but do not splurge. Use the money wisely and make a budget for your income. For the savings part, contact a bank or any financial institution. Open a checking or a savings account with them. Deposit a small amount or the required amount to open the account. Take a debit card on your account. Try to open another account but try not to have a debit card for it. Deposit small amount of money from your income in the second account every month. Since you do not have a card for it, you can resist emptying your bank balance. Just keep saving as much money as you can afford taking all your expenses in mind. Soon, you will see that your account has a satisfactory money to your liking. Keep saving more and more. Else, transfer the balance to fixed deposit account or convert your account into a current account. You can also take out the money and invest it in mutual funds which is nothing but safe investment. While you have balance in you bank, you will also see interest gained on the capital balance. So, this will push you to save more. If you plan to invest a portion of the savings, you can better contact a good broker and invest the money. This will also benefit you in the long run. And all this won’t affect your lifestyle at all. Another way to both save and invest money to have a life insurance policy for you. This investment is the best I guess, as this will insure you life and your family and it’ll be huge and profitable investment. Whatever you do, if you do not follow a budget, all your efforts will go in smoke. Do not bother how much you earn. Just try to save at least 30% of your income. You will see the fruits of it shortly.

How Savings is More Important than Income


Payday Loans: Benefits and Drawbacks of Payday Loans
Payday loans are small amount loans which are obtained with the pledge to return the principal as well we the levied interest by the borrowers’ next paycheck. Such types of loans are also called as cash advances; however, there is a difference between the two. Cash advances are generally taken through a credit card or a personal checking/savings account. Payday loans are different as you need to have to credit card or any savings account attached to your employer. You can approach a payday loan company and ask for the loan. Benefits of payday loans Quick to grant: Payday loans are quick to avail. You need not wait for long to get the money in your pockets. Usually the loan application is approved within day. So, it’s very helpful in the time of your emergency. No credit check: The best part of payday loan is that your credit score is not evaluated to grant you loan. The issuers will just see that you have a job and a savings account. So no major paper work is involved with such loans. Easy process: Another good thing about such loans is that you can apply for the loan online and you need not go to a bank or financial institution. Just land at a legitimate payday loan company and apply for the loan online. You get your money in your savings account within 24 hours. Helps in credit rating: Though your credit score is not checked when you apply for this loan, but payday loan can help you repair your bad credit if you pay off the full amount by your next pay check day. If you do it on a regular basis, your credit score also improves. Drawbacks of payday loans. Highly risky: Payday loans are not without financial risks. If you are unable to pay off the loan amount, your credit score will be adversely affected. Moreover, you may not be able to get any type of loan in the future. High interest: The interest rates on payday loans are too high to afford. It’s generally 25% of the loan borrowed. So, if you take $100 you would end up paying back $125 at the end of the month. Small loan: If you are in need of a big loan, payday loan is not for you. You won’t be granted a loan under payday. At the maximum you can get $1000 payday loan. So, this is not good for a big investment. So, think twice before you take a payday loan. When you are in dire need of money, apply for this loan, else, you better go for secured loan which will have long term to pay off.

Payday Loans: Benefits and Drawbacks of Payday Loans


Emergency Money for an Emergency Time
Emergencies or financial problems can come up in one’s life at anytime. Since these problems are uninvited and unexpected, people do not plan for them and they are therefore caught short of cash. Hence, they do not have immediate funds to deal with a wide number of different circumstances such as unforeseen car repairs, medical expenses, home repairs, bills, etc. That is where emergency money loans come in handy. An emergency loan, as the name implies, is taken by people for a short span of time to meet any emergencies and is generally repaid within a few weeks. Since there is little or no paper work associated with emergency loans, they are easy to apply for and can be obtained the same day the borrower applies for them. This makes these loans a great source of financing during times of crisis. Hence, for urgent situations, an emergency loan is the best option for satisfying one’s need for immediate cash. To qualify for an emergency money loan, one must be a citizen of Australia and be over the age of eighteen, has to be employed at the current job for at least six months while earning a minimum of $1000 per month. The best part of emergency loans is that money can be procured within no time without any collateral. The emergency loan application is online, which enables you to access the emergency loans quickly, easily and without any hassles. There are many lenders in the market ready to finance loans on any day at anytime. Once an approval is accomplished, the money will be deposited directly into the borrower’s bank account or delivered by means of a certified check. Thus, an emergency money loans can be received by the borrower without stepping out of the house. Then you are able to use this loan amount to cover any of your immediate expenses. On your subsequent payday, the emergency payday loan lender interest, the emergency loan amount and the broker fee is automatically deducted from the borrower’s account and the emergency loan deal is complete. Using the short term application form, it is actually quite easy to apply for emergency loans. The loan amount can differ but will not be more than the amount of money the borrower makes from his next paycheck. However, the drawback to an emergency loan is that the fees or the interest rates will be higher than the regular loan to some extent. Therefore, it should be taken only in real emergencies.

Emergency Money for an Emergency Time



Liquid Savings and Other Emergency Cash Options
Expecting the unexpected is a matter of fiscal responsibility that is far too often ignored even by otherwise responsible people. Auto breakdowns, lost income, sickness, and necessary home repairs are just a few of those unexpected emergencies capable of leaving your family in debt. Instead of using the money saved up for the next vacation or geothermal HVAC installation, it makes sense to prepare for emergencies separately by establishing a designated liquid savings account. Not having an account in place often means those emergencies create a lot of stress. People under stress may overlook other resources available for specific emergencies. Planning ahead means being aware of options and creating alternative options before the worst happens. Establishing an Emergency Fund For beginners, the first step to creating an emergency fund is setting your budget. This is simply a categorized listing of income and expenses for any typical month. Items paid on longer scales, such as 6-month auto premiums, should be divided out between the relevant number of months. Several websites and classes from non-profit organizations are available, if you need help setting up a budget. For those with a budget, emergency planning will either mean reducing the amount put towards savings each month or taking money from other locations. The goal should be to set aside enough cash for three months in a liquid, interest-bearing account. Excess funds can be safely stored in higher interest accounts with less liquidity. If reigning in spending or savings to establish an emergency fund is too difficult, it is time to either analyze the budget again or look for unconventional income sources. One popular idea is to sell items no longer needed through a yard sale or online service, such as eBay or Amazon. Another idea is to cash out poorly performing investments. Any investments that have lost value will provide a tax break, and money recouped from cashing out can be diverted to the emergency fund. Understanding Your Resources Most people are burdened with paperwork, and it can be hard to keep track of all the memberships, warranties and insurance policies that provide protection from emergencies. Instead of waiting for the computer or other device to breakdown, create a special place for all the documents to be reviewed periodically. Home policies, renter’s insurance, lease agreements, electronics and auto warranties, and auto club membership information are some of the items best stored in an easy to access location. Debt Options If you’re going through an emergency now, or one ironically occurs while you are planning, it makes sense to have an idea of debt options. All types of debt are different, and choosing the wrong option to pay for an emergency can end up raising the cost significantly. Make a list of potential sources for no-interest loans, such as family or close friends. Next consider low-interest credit options, including newer credit cards still in the introductory period, mortgage refinancing, or a personal bank loan. If you must rely on a payday loans or other high-interest option, budget this item for prompt repayment. Going into debt is all too common, and this is regularly proven by financial experts. It is easy to begin relying on fast payday loans and other types of debt, but this will hurt in the long run. The best way to avoid the debt and stress commonly associated with emergencies is by establishing an emergency fund.

Liquid Savings and Other Emergency Cash Options


Get Money Fast: Tips and Ideas to Boost Your Finances
We all need to get our hands on some cash as quickly as possible every now and again. Maybe you’ve encountered some kind of emergency at home. Maybe you’ve had an unexpected bill. Maybe you’ve just decided that you need to replace something. It might not even be all that important. All you know is, you want to get some money fast. These tips and ideas could help you to boost your finances in no time at all: Start a Business With No Money You might think that starting your own business will be expensive, but you can actually start a business with no money at all! You could start blogging, advertising your services, or doing something else you feel you will be good at. Bear in mind that with some businesses you won’t be able to generate an income straight away. For example, you’ll need to work really hard to earn money with blogging. There are a number of seminars and books you can look at to help you start a business with no money though, so if this is something that appeals to you start looking. You could have yourself a business that gives you an extra income in no time. Sell Things You Don’t Want or Use Have a look around the house and sell things you don’t want or use. You can do this on a number of sites, from Gumtree to eBay. You can even get cash for gold to a reputable place. You will sometimes have to give the site a percentage of what you sell, so if you can sell privately it might be a good idea to do that. Just bear in mind that you might not be as well protected when selling privately. You could sell clothes, collectables, and a number of other things. One man’s junk is another man’s treasure. This is a great way to get emergency cash. Rent a Room Out in Your House Do you have a spare room in your home that’s just gathering dust? You could rent it out to make some money each week or month! All you need to do is find a trustworthy tenant, declare what you’re doing and go from there. It might be a little strange sharing your home at first, and this option isn’t for everyone. Make sure you do background checks too to ensure that this person is who they say they are. Look at Replacing Your Home Utility Suppliers When was the last time you changed your utility suppliers? If you haven’t for a while, you could be missing out on saving a load of money. Do some research and see if you can find a better offer elsewhere. When you tell your current supplier, they might even be happy to match it or do better than it. You could save a fortune each year if you go with the cheapest supplier when it’s time to renew! See? You probably have cash lying around and you don’t even realise it! Use these tips and you’ll be able to make a quick buck.

Get Money Fast: Tips and Ideas to Boost Your Finances


Profit with binary option commodity trading
Binary options trading is a form of stock market trading where you predict the if future price of an underlying asset will rise or fall in price over a certain time frame – these time frames are usually very short sometimes lasting only 5 or 10 minutes. If your prediction is correct, you will double your money but if you lose, you will lose your initial investment. Binary options allow you to trade many different financial instruments but one of the more popular is commodities, as they offer the prospect for long-term trades.To trade commodities successfully you should learn as much as possible about the factors that influence the share price such as weather, political & social events, and of course company news. Since binary options trading is a high-risk, high-return type of stock market option, knowing a lot about commodities will definitely give you an edge, while also helping you to earn money in this fast-paced stock market milieu. However, since it’s so easy and affordable to trade in these types of options, any newbie can give it a shot (and many do!). Here is some more valuable information about binary option commodity trading How to Perform Binary Option Commodity Trading By choosing a commodity as your preferred underlying asset, you’ll be able to speculate on that asset. This is easier than doing conventional trading on the same stock market instrument. Another key benefit of choosing to purchase binary options, rather than doing straight training of commodities, is that it’s typically much less expensive. Since you may spend just a couple of hundred dollars in order to start trading in binary options for commodities, it’s a great way to get going with trading. The key to success as you purchase “puts” and “calls” is learning to predict patterns in the marketplace. There are a range of tools available which make it possible to predict price rises and drops more effectively. While this type of high-risk, high-return investment will always be a gamble, using stock market analysis tools, such as candle stick charts for binary options, or reading articles about trading commodities in this manner, will be very helpful. So, do be sure to take advantage of the learning tools which are customarily supplied by brokers and via online stock market trading platforms. What Influences Prices for Commodities A variety of factors will play a role in exactly how price shifts pan out for commodities. For example, with oil, political unrest or natural disasters may drive up or down the price of the asset, depending on the particular circumstances. That’s why keeping abreast of news and political changes will assist you in pinpointing patterns that may help you to win your binary options bets. Now that you know more about the exciting world of trading binary options for commodities, you may be ready to take the plunge and place your first bet. If your predictions are accurate, you’ll earn big dividends in a remarkably short time frame.

Profit with binary option commodity trading



World currencies from all over the world had taken a banging with the economic crisis and the EURO is facing a dire string of challenges. Many powerhouses in Europe and tired of carrying the weakened currencies of other countries and the collapse of the EURO may see an entire new economic crises of Europe. The strongest world currency is always a question being discussed and argued at many a dinner party and in this informative article we look at the most prominent list of world currencies and give a short evaluation of them and in turn discover what are the strongest world currencies. Five Major Currencies of the world The dollar For many previous years the dollar was the top currency in the world, it’s the world’s reserve bank of currency. Of recent the dollar has seen its fair share of problems as its value has lowered over the years. The dollar is ruled out as the top currency in the world due to the economic crisis and large government spending. The Swiss Franc Switzerland is known for its tax havens and the Swiss franc reflects this in its strength and economic growth. The Swiss Franc is definitely one of the major world currencies and is a contender for the top currency of the world because of its low inflation rate. The EURO As previously mentioned the EURO has seen some incredibly unstable situations of late but it is still one of the major and prominent currencies on this list of world currencies. It was the main contender against the dollar in terms of currency status but the crisis has shifted economic and financial stability. The British Pound At one stage in history, the British pound was one of the most successful of world currencies. This past decade the British pound has been incredibly strong but due to many contributing factors the value may drop or fluctuate somewhat. Interest rate cuts and other factors will be determining the strength of this currency which is among the top currencies in the world. The Yen The Yen is among the top world currencies and although the Yen poses much strength, there are many downfalls. Their economic growth is low and real estate largely overpriced. The interest rate in Japan are incredibly low and the country’s main banks are able to further lower it to ensure exports do not cost too much overseas. Although these may be the strongest or more prominent world currencies, there are many factors making one particular currency the most valued. It is definite to see that arguably the two main contenders are the Yen and the British pound. Jemma Scott has an avid interest in currencies from around the world. Her interest stems for her discussions with foreign exchange brokers which have valuable information on the currency markets through the use of informational means like their forex account.

Five Major World Currencies


The Benefits of Investing in Gold
Since the economy took a nosedive in 2008, financial pundits routinely speak about the benefits of investing in gold. Are these financial advisers merely attempting to sell their gold products or are they making a salient point about an investment that all individuals should consider? Each investor should decide what investment vehicle is the right choice. All investors should carefully weight the risks and the rewards while keeping their financial objectives in mind. To help investors decide if gold is the right investment choice, there are several possible benefits to consider. Diversity Buying gold bullion, coins and bars is a great way to diversify a portfolio. Diversification can help improve the overall performance of an investment account and provides some stability during wild times in the stock market. Gold stocks or mutual funds can also be purchased as part of a diversified investment portfolio. The Poor Economy Investors look to gold when the economy is weak. A weak or declining U.S. dollar, low interest rates and mistrust in the banking and financial sectors of the economy often push people towards gold and other commodities. Fear forces investors out of the stock market and in to other investments. Gold provides protection against a weak economy as its price is not dependent on any type of currency, including the dollar. Inflation Gold prices tend to rise during times of inflation. Though inflation has been minimal in recent years, many experts predict that it will become a factor in the future. An investment in gold will be a hedge against future inflation because it retains its value and appreciates over time. Gold is Tangible Unlike investments in the stock market, which are recorded on electronic statements, gold is tangible. It is something you can hold and is virtually indestructible. Gold is not only an investment, it is a possession. Gold also serves as a valuable metal in various industries. It does not corrode, is an efficient conductor of electricity, can be rolled into thin sheets, can be made into wire, and can be alloyed with other metals. As a result, it is used in many types of electronic devices and is in demand around the world. Gold has always been a symbol of status because of its unique blend of beauty, indestructibility, and rarity. It will remain in demand because of its lofty place in the investment world during times of economic uncertainty. No matter how much money you have for investment purposes, gold should comprise a portion of your investment portfolio. Larry Goldberg is a blogger that is passionate about investing and finance. He currently blogs for Invest in Gold, a blog that helps new investors get in the Gold bandwagon to diversify their asset portfolio.

The Benefits of Investing in Gold


For any human being a policy on life insurance is must or at least very necessary. Ignorance on the importance of life insurance is a blunder. There are endless topics that tackle life insurance policies. They say, save money now to earn after death. However, this is a wrong conception of people. The money spent on life insurance is worth spending as it can secure your family from any sudden financial loss. People do realize this later in their age. Anyway, if you’re optimistic, insure yourself with a good and beneficial policy. There are plenty of such policies in the market. You need to choose a policy that suits you best and is affordable for you. Search for a few policies and go through the terms and benefits of them. Settle on one and find peace of mind for your family. Some life insurance policies provide benefits for a considerable long periods making you comfortable in paying the premium amount at your convenience. Ensure that your policy secures you and your loved ones. This is the worst effect of not having any life insurance policy. To avoid this situation and to better your life style, get a life insurance policy that you think would be the best for you. However, there are negativism concerning life insurance policies, that the critics often target.  Most cases involve intentional death of the policy holder in order to obtain money of the insured person. At time the insurance company go bankrupt which leaves the policyholder in distress. Following are a few tips that can save you from a certain unwanted situations: Do make research on the advantages and disadvantages of the life insurance policies available. This would  help you arrive at a decision more securely. You will be able to choose according to your need concerning your safety and security. Ask your friends, colleagues or the people in your circle to have required knowledge in this field. You can also make online search which alone has a vast storage of knowledge in every field. Settle with the one life insurance policy you are most satisfied with. This prevents you from  the feeling of insecurity that arises from the lack of proper knowledge. Once you are aware of its pros and cons, you can guess what can happen and what not. Do visit the  insurance company to know the facts more clearly. Try to know how far it is successful in providing its services. Get in touch with a registered life insurance agent. The agent can help you in this regard. Ask him/her to explain the terms & conditions as well as the benefits of such policies. Also, make sure the payout of the policy after maturity is smooth. Before signing and agreeing to the terms and conditions of your life insurance policy, go through the guidelines of it, read it very carefully. This part is often neglected by the policy holders. The insurance company may change the guidelines and can make provisions to their advantages. Therefore, it is advisable to read the guidelines carefully before signing anywhere in the policy papers. Be conscious and little aware, then you are all safe and secure. Keep in mind that life insurance policy unlike any other insurance policy is an investment as well it secures your family in case of your death. So, choose the best one which gives you the best of returns.

Life Insurance Policy : Shoule You Have a Life Insurance ...