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Whole Of Life Insurance Whole of Life is a form of life assurance that is offered by several companies and advise about such cover should be obtained from a suitably authorised financial adviser. Whole of Life is often taken out for family protection purposes to
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provide a lump sum to your dependants in the event of your death. Whole of Life provides life cover as the title describes-potentially for the whole of your life i.e whenever you die the policy will pay out as long as you maintain the premiums. This is different to Level Term Assurance which usually only pays out if you were to die during the term of the policy. Hence the cost of Whole of Life is usually greater than that of Level Term Assurance. The premiums for a whole life policy are normally invested in a fund and the cost of providing the cover is taken out of the fund. The policy is often reviewable after 10 years to assess if there is sufficient monies in the fund to continue to provide the level of cover required. There are a number of options available at this time i.e.do you need to increase the level of premiums if there is insufficient monies left in the fund to maintain the same level of life cover. The whole life policy is then reviewable again in say 5 or 10 years time when the same assessment is made and the level of cover is agreed for a further period. Should you decide that there is no longer any need for the whole of life cover you can cancel the policy and you may receive a lump sum representing the surrender value of the policy. Whole of Life policies often have other options such as the ability for the level of life cover and/or the premiums to increase automatically each year. There is often an option to include Critical Illness cover in the policy so that the policy would pay out either upon earlier diagnosis of a specific critical illness i.e. heart attack, cancer, stroke, kidney failure or upon death which ever happens first. As can be seen whole of life is a flexible policy with many options so, as stated earlier, you should seek sound advice from a suitably authorised financial adviser as to whether a whole life policy is suitable to meet your requirements Article Source: Articles Beyond Better Alan Hope runs a lifestyle management and concierge service business for both UK and Overseas clients.Visit his website at www.insuranceplan.org.uk/
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Education Expert Addresses National Student Safety and Security Conference on Bullying, Preventing School Accidents
Education Management Consulting head Edward F. Dragan's forthcoming book No More Tears: Danger-Proofing Your Child offers practical tips for parents and administrators (PRWeb Dec 2, 2008)
Read the full story at http://www.prweb.com/releases/2008/12/prweb1669424.htm ]]>
Linde North America License Exari to Automate Sales Contracts
Exari Group Inc. www.exari.com, a leading automated document assembly and contract management software company announced today that Linde, Inc., a member of The Linde Group, has licensed Exari to automate North American sales contracts for three of its business units. The Linde Group is one of the world’s leading gases and engineering companies. (PRWeb Dec 2, 2008)
Read the full story at http://www.prweb.com/releases/2008/12/prweb1689034.htm ]]>
Federal Reserve 401(k) Dodges Stock Market Meltdown With Stable-Value Products, Author Finds
Barry J. Dyke, author of The Pirates of Manhattan found that the majority of employee assets in the huge $4.5 billion Federal Reserve System 401(k) dodged most of the stock market meltdown by having a majority of its assets invested in stable-value life insurance products. (PRWeb Dec 2, 2008)
Read the full story at http://www.prweb.com/releases/2008/12/prweb1689414.htm ]]>
North Carolina Company Places Cure to Housing Industry Woes in the Palm of Your Hand
Getta Jumpr, LLC introduces its on-demand, mobile, software-suite for the real estate and housing industry. Jumpr allows individuals and professionals alike to simply, quickly and accurately estimate property conditions, make property transaction decisions, plan home improvement and remodeling projects and provide easy team collaboration and project management solutions. (PRWeb Dec 2, 2008)
Read the full story at http://www.prweb.com/releases/2008/12/prweb1652154.htm ]]>
Travel Insured Confirms Trend of American Express Survey Finding Travelers Booking Affordable Vacations and Adding Travel Insurance
Travel Insured International, a leader in travel insurance, confirms the trend reported in an American Express survey of 1,100 travel agents who say more travelers are booking affordable vacation alternatives and adding travel insurance. (PRWeb Dec 2, 2008)
Read the full story at http://www.prweb.com/releases/2008/12/prweb1664334.htm ]]>
Corporate Modelling Partners Start Selling BPM in Cloud Service
Xena Health and Solutions Medical Billing Team Up To Offer a Unique Medical Claims Service "Claims in a Cloud" as a SaaS Application. (PRWeb Dec 2, 2008)
Read the full story at http://www.prweb.com/releases/2008/12/prweb1688104.htm ]]>
Consumers Even More Vulnerable to Over-Priced Loans
As credit from many respected providers dries up, many borrowers are being lured into the hands of less scrupulous players, charging exorbitant interest rates.Sara-Ann Burgess, director at payment protection insurance (PPI) specialist Burgesses, said many firms were preying on consumers looking for credit and making it very difficult for them to meet repayments because of the huge interest rates they were charging. (PRWeb Dec 2, 2008)
Read the full story at http://www.prweb.com/releases/payment/protection/prweb1688304.htm ]]>
Real Reason John Sergeant Left Strictly Come Dancing - His Motor Insurance, Says Confused.com
Dancers pay more on car insurance premiums. (PRWeb Dec 2, 2008)
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Free Lingerie Babes Calendar with any Insurance Policy!... Pardon?
NoClaimsDiscount.co.uk details the apparent free-fall from conservative to "anything-goes" in the attitude of insurers when it comes to marketing their products. Have some insurers taken their marketing strategies too far? Are half-naked girls the best way to promote van and motorcycle insurance policies? (PRWeb Dec 1, 2008)
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InsureMe Launches 'Preferred Lead Program' for Agents
Product innovation gives agents more control: InsureMe, an insurance lead generator, recently unveiled a service designed to help member agents improve closing ratios for the online leads they purchase by reducing their competition. (PRWeb Dec 1, 2008)
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Percussion Adds to Management Depth, Begins to Execute on Growth Plans
Percussion announces the appointment of Bill Beardslee, Peter Webster and Scott Durgin to the management team. Bill, Peter and Scott joined the company earlier in the year and have already marked early results in the field. (PRWeb Dec 1, 2008)
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Adrian Flux Helps LPG Conversions Beat Credit Crunch
Motor insurance specialist broker Adrian Flux Insurance Services is reassuring customers that they needn't worry about insurance being the sticking point in considering an LPG 'retro-fit'. (PRWeb Dec 1, 2008)
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Olympic Champion Pays Tribute to 'Great Talents' at Medical Journalism Awards 2008
Olympic Champion Sally Gunnell has paid tribute to the talents of "skilled and committed journalists" who were recognised last night at the Medical Journalism Awards 2008. (PRWeb Nov 30, 2008)
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LV Strengthens its Enhanced Annuity Offering
LV= strengthens its enhanced annuity offering meaning people with minor medical conditions could be entitled to higher levels of income. (PRWeb Nov 30, 2008)
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Insure4USA.com Launches Website to Provide Local Provider Comparisons
Insure4USA.com recently announced the launch of their new online service which provides individuals with fast, free insurance quotes from their local insurance representatives. (PRWeb Nov 29, 2008)
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Measures Announced to Stop Retail PPI Providers Ripping Off Consumers
Payment Protection Insurance providers in the retail sector could be forgiven for thinking they'd been overlooked when it comes to sanctions on selling policies, as they weren't included in the Competition Commission's remedial measures to secure better deals for consumers, suggests PPI lobbyist Sara-Ann Burgess from Burgesses. (PRWeb Nov 29, 2008)
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Cape Fox Professional Services Gets Additional $3.8 Million for Marine Corps Traffic Safety Program
The U.S. Marine Corps obligated Cape Fox Professional Services (CFPS) $3.8 million in funding to support its existing Navy and Marine Corps Traffic Safety and Recreational Off-Duty Safety Program (TS/RODS) contract. 25 Marines have been killed in motorcycle crashes since November 2007. The TS/RODS program was developed to significantly reduce deaths and injuries as a result of traffic and recreational accidents. (PRWeb Nov 27, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1673274.htm ]]>
Government Moves Will Not Prevent Widespread Repossessions Says Burgesses
Government moves to prevent widespread home repossessions are doomed to failure, says one influential commentator. (PRWeb Nov 27, 2008)
Read the full story at http://www.prweb.com/releases/payment/protection/prweb1672734.htm ]]>
Puridiom and e-Procurement: The Next Level in Procurement Performance
E-Procurement continues to advance supply management to the “next level” of procurement performance, according to AberdeenGroup’s latest E-Procurement Benchmark Report. The research, sponsored in part by leading e-Procurement provider Puridiom, details the goals, strategies, and performance of over 400 enterprises, relaying the constant pressure placed on the shoulders of procurement professionals to deliver value to the enterprises while driving innovation, improving overall purchasing strategies, and avoiding obstacles caused by globalization. (PRWeb Nov 27, 2008)
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Business Insurance Now Founder Gains Insight into New Insurance Trends at International Conference
Jim Cochran, founder of Business Insurance Now attended the PLUS conference, a gathering of professional liability insurance professionals. His visit allowed him valuable insight into market trends, knowledge he is eager to pass on to his business insurance clients. (PRWeb Nov 26, 2008)
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Bob MacDonald Warns New Insurance Regulations Needed To Protect Insurance Companies---From Themselves
Bob MacDonald, former CEO of Allianz Life of North America and financial services maverick, warns state insurance regulators that insurance companies need greater supervision to head off industry failure. (PRWeb Nov 26, 2008)
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Post Office® Remains Consumer Favourite for Foreign Exchange and Travel Insurance
Post Office wins at British Travel Awards 2008. (PRWeb Nov 26, 2008)
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Pre-Budget Report - Unable to Deliver Same Practical Support as PPI Says Burgess
Homeowners worried about meeting their mortgage commitments will take little comfort form Alistair Darling's pre-budget report - he's failing to provide immediate financial support for those who lose their jobs and postponing, rather than removing the threat of repossession, says Payment Protection Insurance lobbyist Sara-Ann Burgess from Burgesses. (PRWeb Nov 26, 2008)
Read the full story at http://www.prweb.com/releases/protection/insurance/prweb1667834.htm ]]>
PPI continues to be sold through stealth says Burgess
Feedback from the Financial Ombudsman Service (FOS) indicates lenders are continuing to ignore calls to treat customers fairly when selling Payment Protection Insurance, says PPI lobbyist Sara-Ann Burgess from independent provider, Burgesses. (PRWeb Nov 26, 2008)
Read the full story at http://www.prweb.com/releases/payment/protection/prweb1669034.htm ]]>
Innovation Partners International Sponsors International Innovation Expedition in Health Care
Innovation Partners International announces sponsorship of the Second International Innovation Expedition in Health Care. The Innovation Expedition is designed to share learning across health systems and the continuum of care, to foster understanding and development of new ways of providing more effective and efficient care. (PRWeb Nov 26, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1662754.htm ]]>
14 Retail/Wholesale Agencies Explore Vision for Best-in-Class Agency 2015
35 US agency managers meet in China to discuss barriers to growth and define best in class agency models for 2015 in the face of a changing industry. (PRWeb Nov 26, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1664954.htm ]]>
Biotech Endorsement Insurance Discount Expanded to Nebraska, Kansas Growers Planting Corn with HERCULEX® XTRA Traits
Corn producers in Kansas and Nebraska planting products with the HERCULEX® XTRA traits are now eligible for crop insurance premium reductions through the Biotech Endorsement program. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/2008HERCULEX_XTRA/crop_insurance/prweb1668024.htm ]]>
Castle Cover Uplift Contents Insurance By 10%
Over 50s insurer is providing extra contents cover over the Christmas period. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/over-50s/contents-insurance/prweb1661424.htm ]]>
Burgesses Blasts Brokers Over Repossession Nightmare
The revelation that more than one in five homes is for sale because owners cannot afford mortgage repayments could be evidence that intermediaries have 'been asleep at the wheel'. That's the belief of Sara-Ann Burgess, the Managing Director of independent protection insurance specialist Burgesses. She says that if the majority of mortgage brokers had been carrying out their duties in a professional manner then far fewer homeowners would be in danger of losing the roof over their heads. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/payment/protection/prweb1661374.htm ]]>
Confused.com Warns Those Seeking Sunnier Climates to Check Their Home Insurance
Holiday-goers reminded to ensure they are covered this winter. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1661524.htm ]]>
In Economic Uncertainty, Check Travel Insurance "AM Best Ratings" Squaremouth Warns
In the midst of a global economic downturn, the last thing vacationers should worry about is whether their travel insurance company will still be there when it comes time to make a claim. But there's an easy way to measure an insurer's financial health: check its AM Best rating. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/travel-insurance/ambest/prweb1662184.htm ]]>
Third Party Fire & Theft - Not Just for Old Bangers
Norwich Union Direct launches new online channel for Third Party Fire & Theft car insurance. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1662234.htm ]]>
Never has PPI Advice Been More Important Says Burgesses
Repossession, redundancy and recession are driving the need for good quality payment protection insurance (PPI) advice, according to Sara-Ann Burgess, director at PPI specialist Burgesses, and a longstanding campaigner for change in the market. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/protection/insurance/prweb1663464.htm ]]>
Economic Downturn, Layoffs Can Spark Entrepreneurial Spirit: Social Media Marketing Workshop to Teach Businesses Ways to Increase Visibility and Revenue
To help new entrepreneurs, established business owners and individuals concerned about layoffs or future employment issues and business owners struggling to get visibility and online traffic, two experts in social media/marketing and training will present a three-hour webinar on Social Media Marketing for Business from 1:00 PM to 4:00 PM (EST) on Tuesday, Dec. 9, 2008. The webinar will focus on teaching businesses and individuals to establish and be noticed with an online presence. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1665144.htm ]]>
BenefitMall and HealthSmart Join Forces to Offer New Self-Funded Benefit Solution
BenefitMall has entered into a strategic marketing agreement with HealthSmart Benefit Solutions. Beginning December 1, 2008, HealthSmart will become BenefitMall's integrated self-funded solution for employer groups with 50 or more enrolled employees. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1665414.htm ]]>
New Statutory Data from SNL Financial Shows a Decline in Net Operating Gain for Life Insurance Companies
Weak equity markets are the culprit for significant decreases in annuity account balances and income in the third quarter of 2008. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/SNL_Financial/Life_Insurance/prweb1669504.htm ]]>
Columbus Direct Win Major Travel Insurance Award
The International Travel Industry Journal (ITIJ) award for intermediary of the year in 2008 has been presented to Columbus Direct (http://www.columbusdirect.com). Columbus, who are one of the UK's longest established travel insurance companies, won this award in a category that included fierce competition from other holiday insurers. (PRWeb Nov 25, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1652574.htm ]]>
Send Technology Announces First User-Friendly E-Mail Encryption Service for Businesses and Individuals
Easy-to-use Send.™ free secure e-mail for protecting confidential information now readily available to small- to medium-size business and individual e-mail users. (PRWeb Nov 24, 2008)
Read the full story at http://www.prweb.com/releases/free-secure-email/email-encryption/prweb1660254.htm ]]>
US Fidelis Continues To Hire Workers Despite Slumping Economy
St. Louis area company, US Fidelis, has added more than 400 workers in the past two years and continues to recruit for full and part-time positions. (PRWeb Nov 24, 2008)
Read the full story at http://www.prweb.com/releases/2008/11/prweb1646724.htm ]]>
Seyfarth Shaw Adds Team of 14 Business Services Attorneys to NYC Office : Group totals twenty, including para professionals and staff. All are from Thelen LLP.
Seyfarth Shaw LLP, one of America’s leading full-service law firms, today announced that the firm’s New York office has significantly deepened its Business Services Department bench with the addition of a team consisting of nine corporate and finance attorneys, four trusts and estates lawyers and one real estate attorney. Stanley E. Bloch, Lawrence B. Brownridge, E. Ann Gill, Joel M. Handel, Christopher J. Lagno, Andrew Lucano, William B. Norden and David M. Warburg join the firm as partners. Douglas F. Allen, Jr. and Eric D. Martins join the firm as Of Counsel. Yoni Frider, Ying Li, Lawrence D. Mandelker and Ani C. Manoukian will join the firm as associates. All were previously with Thelen LLP. (PRWeb Nov 24, 2008)
Read the full story at http://www.prweb.com/releases/new_york/university_school/prweb1663144.htm ]]>
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