Top 5 How To’s When Buying Life Insurance

When purchasing a product or service that has a huge impact on your financial stability, it pays well to brush up on tips and tricks that will help you arrive at an informed decision. In this article, we will discuss some important pointers to remember when choosing a life insurance policy.

  1. Be cautious with know-it-all financial advisors

You need the help of an insurance broker when selecting between life insurance. Before embarking on this activity, make sure to equip yourself with basic knowledge. If your broker can’t explain concepts to you in a simple manner, it may be better to switch brokers, or find multiple quotes online instead. You may also opt to talk directly to brokers that directly work for insurance providers. The last thing you want to do is pay for unsatisfactory service.

  1. Compare between similar life insurance options

In general, term life insurance products are cheaper than permanent insurance options. Never compare between these two as they provide a different set of benefits. Permanent life insurance will always be more expensive due to its cash value component.

  1. Only buy riders when necessary

If your life insurance needs are pretty basic, there’s no need to buy riders. Stay away from these add-ons if you don’t want to end up spending more than what you can afford.

  1. Do your homework!

If you don’t have a budget for hiring an insurance broker, make sure to spend ample time on research. The perfect life insurance for you is one that fits all your needs, and one that you can afford to pay in the long haul.

  1. Make use of the 30-day free look at your insurance policy

Insurers usually make give its policy owners 30 days to assess their products. If you are not satisfied, or of you feel that the life insurance product you purchased is not for you, you may cancel it with guarantee that your premium payment is returned.

Why My Old Mom Bought Life Insurance For Herself

I admire my Mom when it comes to financial planning and foresight. This she has proven throughout her life. After all, she was able to send me and my sister to college all by herself.

Last year, she told me that she invested in a life insurance plan (thanks to While I did respect her decision, I did not understand then her need for a life insurance. She has been doing well in life. She also has her savings and retirement pay. My sister and I are now both employed. I did not see the reason for purchasing life insurance.

Just recently, I attended the funeral of a friend. Because of months of battle a medical condition, my friend left his family no savings nor investments. There are also debts that had to be settled.

Looking back, I now understand why my Mom insisted on getting herself a life insurance. She wanted to be independent and not to give us any financial burden should something happen to her. It may be a morbid thought, but the bottom line is that she share about us.

My Mom is in her best health right now. So we are just enjoying every single moment of being together.

The truth the nobody can escape from

If you’re like most people, you’re probably wondering why you should get car insurance. After all, car insurance, like any other type of insurance product, is something you won’t really use unless if you run into an accident or some other incident, like your car getting struck by lightning. However, the truth is that nobody can really escape from car insurance, but you can escape from a high insurance rate.

You can escape from high insurance rates by comparing car insurance rates. Out on the Internet you will find many websites where you can compare car insurance rates. Just fill in the form on the website and enter your zip code. In order to find the best prices, you don’t just look at the price, you also need to look at the inclusions of the plan.

We’re not going to say that you get what you pay for in car insurance, but we’re going to say that it won’t hurt if you compare plans, specifically their inclusions. You might be surprised to find that some insurance plans are cheaper after you take out the riders. What are riders? They are merely add-ons to the basic insurance plan. You can choose not to buy the riders or the add-ons if you feel that they’re of no use to you.

It might surprise you to know that there are actually cars that are cheaper to insure than others. The cheapest cars to insure are the SUVs, vans and family cars while the most expensive vehicles to insure are the sports cars, luxury cars and small, compact cars.

SUVs, vans and family cars are cheap to insure because these cars are deemed are “safe” on the road and the people who drive them tend NOT to engage in risky driving behavior like speeding and racing. On the other hand, sports cars, luxury cars, and small, compacts cars are expensive to insure because of different reasons.

With luxury cars, we tend to think it’s because the insurance needs to go along with the high price. With sports cars, the expensive rate is because of the risk behavior of their drivers. Meanwhile, with small and compact cars, the high price is because they tend to be risky to drive because they’re no match against big cars when a crash happens.

That said, if you’re still in the process of buying a new car, you can avoid high insurance rates by simply NOT buying the cars that are expensive to insure. Also, it would help if you buy a new car instead of an old one.

But even if you have a car that’s cheap to insure, you’re still not excused from comparing insurance rates. To get started, just type “compare car insurance rates” on Google plus the name of your area. The click on the search results and fill in the form on the website and adding your zip code.

When you have the rates, take the time to compare the inclusions of the plan (try auto insurance quotes comparison).

Home to Phone: Creating Clear Communication Across Different Platforms

The service brought to you by Home to Phone is guaranteed to be the most efficient and fastest way to share links between your desktop or laptop computer to your phone. This service smartly handles the transfer of phone numbers, thus making it simple and straightforward to dial numbers using your desktop or laptop computer. In some instances, Home to Phone will even convert your links automatically into mobile version. This makes it easy and fast for users like you to use the device without any problem.


  • Desktop to Phone Transfer

stencil.default (1)It’s quite easy to use Home to Phone when you need to transfer links or data from desktop to your mobile device. Make use of Mozilla Firefox or Google Chrome. The Home to Phone icon will automatically appear on the browser menu. Simply right clock on the page and select the Send to Phone option. Within seconds, the page you need will automatically pop up on your device!

  • Phone to Desktop or Laptop Computer

stencil.default (2)There are web pages and online links that are way better when viewed on a desktop or laptop computer. If you find yourself on interesting pages or if you want to bookmark websites for future references, simply select the Send to Desktop browser button from your mobile phone’s menu. In this way, you can simply load from the phone and your page will be laded onto your desktop or laptop instantly

  • Home to Phone Desktop for Windows

stencil.default (4)The easiest and fastest way outside of your browser is to send the links and phone numbers to your mobile device. This free Windows application from Home to Phone will allow you to copy and paste links as well as phone numbers from anywhere and then send all these important information directly to your smartphone. This application also guarantees quick access to loading links on your PC sent from your phone and directly in any browser you have.

  • Fast and Efficient

stencil.default (3)The Home to Phone service is highly recommended for Blackberry phone users. This patented Blackberry Push Service enables user to use Home to Phone service with all of its cool features. This application has an extremely small memory footprint. It was originally developed to avoid draining both battery and memory.

  • Share Important Links with Friends

stencil.default (5)With Home to Phone application, you can easily send fellow Home to Phone users links in a quick and efficient manner. All you need to do is simple type in their PIN and browser extension. There are also security features added into this service to avoid abuse and misuse of file and link sharing capabilities.