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Life Insurance
Life insurance is a vital part of any financial planning program if you have a family or people who depend on your income. The most important first step is to get an adequate amount then secondly to pick the type of life insurance. An adequate amount, as a general rule, is about 15 times your annual income. After calculating the amount of insurance, then choose which type to get. The two general types are term life insurance and permanent life insurance (whole life or universal life). Term life insurance is for a period of time such as five or up to 30 years. After that period of time the rate goes up or the insurance disappears. The advantage is that it's less expensive (at first) with the premium the same for that period of time. Whole life insurance is guaranteed at the same premium the rest of your life.

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Disability Insurance
One's greatest asset could be said to be the total of one's future income. That's why disability insurance is such a vital part of financial planning. A 35 year old making $100,000 per year would make $3.5 million dollars in his or her working life with no increases in income. Statistics say that there is a 33% chance of a serious disability for that 35 year old during the working life. Despite compelling statistics there are over 100 million American workers without long term disability insurance. The best policies issued by disability insurance companies include an own occupation definition of disability which means that if one is unable to perform the major duties of their occupation they're considered disabled. Other policies may define disability as the ability to do any occupation. If you can find it, look for the own occupation definition in these policies.

Health Care Blog
Looking for ways to improve your life? Get info on various health care issues to help you live a fuller life. Health care plays a big role in your life and this blog offers tips on various personal health care issues.

UK Life Insurance
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Life Insurance Articles

Understanding Life Insurance Terms
How To Properly Plan Your Will
How To Properly Plan Your Will - Part 2
The Flexibility of Permanent Life Insurance
Return of Premium Term Life Insurance

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