Universal Life

Q&A: Question for you Canadians??!?

Question by Dolyn: Question for you Canadians??!?
My husband is Canadian, and we were having a conversation about all the reasons people Americans don’t want universal health care (I’m totally for it by the way!) I told him we only see the bad, and not the good. Yeah, maybe it takes 2 years to get a breast reduction, where if you pay out of pocket here you can get it in 2 weeks. But, if you care about your community as a whole, you see it as a necessary sacrifice to make sure EVERYONE is cared for. I’m preaching to… Continue reading

help meeeeeeeeeeeeeeeeeeeee?

Question by pumpkinbutt: help meeeeeeeeeeeeeeeeeeeee?
I am writing a paper on Universal Health Care. How is this so far? Should I make any changes…?

Healthier America
Universal healthcare allows the average American to participate in health related treatments and checkups without poking a hole through their wallet. Over the last few decades, the United States has experienced soaring costs in health care and there is a growing debate about the possible solutions. The outrageous cost of healthcare will only increase in the coming years and this will augment the amount of Americans who remain uninsured. Millions of Americans lack any form of… Continue reading

What is your favorite straw man argument for health care reform?

Question by Thor bless the USA: What is your favorite straw man argument for health care reform?
opponenets, feel free to pick any straw man arguemtn from the below, and my response to it. If you still disagree using a different argument, feel free.

“It is too expensive”
—Actually, UHC is cheaper than our current system. Why? Because people see the doctor instead of unnecessarially going to the emergency room, which is much cheaper. Proof of this? The US has the single most expensive health care, per capita, than any other nation, including all with UHC.

“It is poor quality.”
—Says who? Our nation… Continue reading

If “Universal Health Care” is so good, should we also have “Universal Life Insurance”?

Question by eagle: If “Universal Health Care” is so good, should we also have “Universal Life Insurance”?

Best answer:

Answer by prusa1237Cradle to grave nurturing with the loving hands of Uncle Sammy.

Give your answer to this question below!… Continue reading

Religious Degree Scams: Fraudulent, Substandard & Illegal Degrees

The prevalence of fraudulent, substandard, and illegal diplomas and degrees is an ever-increasing problem in the United States.

The United States Congress has found that the safety of the American public is particularly endangered by the sale of fraudulent degrees, and that the preeminence of the United States in science and engineering, as well as the prestige and reputation of American universities, is threatened by the trafficking of fraudulent degrees, diplomas, and certifications. (109th Congress, 2006)

Religious and theological degrees and other degrees from religiously affiliated institutions are some of the most commonly issued fraudulent, substandard and illegal credentials. The reason… Continue reading

Life Insurance 07 – Characteristics of Universal Life Insurance

As we mentioned in the previous article, universal life (UL) was introduced in 1981-82, in response to a historically high interest environment and a consumer awareness of the value of self-directed investments because traditional insurance could not compete with short-term interest rates.Here are some characteristics as follow1. Account ValueThe account value of a universal life plan is the sum of the gross values of all the investment accounts within the policy, including income, after deductions for the current month expenses.2. Cash Surrender ValueThe cash surrender value of a universal life plan is the current account value, less outstanding loans… Continue reading

Universal Life Insurance Guide

Some of you have probably heard of universal policies used for insuring life. What are they all about and what benefits do universal policies bring to their holders? Well, simply put, universal insurance polices are insurance products that provide coverage for a person’s entire life.

Universal insurance policies are a form of whole life products that most of you are quite common with. Term insurance policies provide coverage only for a specified period of time, whether permanent policies require you to pay premiums for the entire life and respectively provides coverage for as long as you live. It is… Continue reading

Universal Life Insurance | Different Forms Of Life Insurance Policies Available Nowadays

In the modern world every person wants a secure future for his loved ones. No person would prefer seeing their family depend on someone else for financial support and ask for protection when he is no more in the world. The best way out for this situation is to invest your hard earned many in buying a life insurance policy. This not only secures the future and present but also helps your loved ones by giving them financial support when you die. We can find many different types of life insurance policies which are available in the market, depending on… Continue reading

How Can You Compare Term With Permanent Life Insurance?

It is silly to say term life is better since commission is less. Same with EIUL, as your agent how much percentage he will make on your first year premium. Surprisingly, almost all insurance company will give 100% of the first year premium to marketing/agent.
term is like renting apt. and after 20 yrs there is no cash value. Perm. life is like buying a house, your loved ones will eventually get the “house” unless you don’t have any loved ones.
some companies has guarantee feature, for instance, John Hancock has a program… Continue reading

Universal Life Insurance | You Can Take Advice of Your Friends or Relatives Before Investing

The financial interests have to be no doubt the focus of attention for everybody today. You should continue to dominate your life and mind till you do not achieve success. You all ought to genuinely and sincerely think about your financial protection in life. You have to stand very strongly in life to face all the ill effects which may perhaps happen in your life. If you haven’t made arrangements to achieve your financial security and stability in life then you must do it now. It is never too late in life to take any new resolutions. You must get… Continue reading