INSERT INTO sites(host) VALUES('tamilforce.com') 2002: Can't connect to local MySQL server through socket '/var/run/mysqld/mysqld.sock' (2) tamilforce.com 网站价值¥72,433(不含域名),MYIP.CN网站综合数据统计 - 域名,Alexa,PR,反向链接,关键字
  测网速 网站优化诊断 广告招商QQ3066631932 CodeForge最好的源码站!   手机测速 测速APP

  
                       

网站页面信息

标题:
描述:
关键字:
sponsored links:
连接:
图片:
网站历史:
sponsored links:

网站流量与估价

网站流量:
网站估价:  (注:不包含域名价值,不代表公司价值)

网站排名

Alexa全球排名:
Google Page Rank:
真假PR鉴别:   (提示:若此处显示网站与查询网站不同,则疑为劫持PR)
Sogou Rank:
百度快照日期:

搜索引擎收录

搜索引擎收录情况反向链接
 谷歌Google:
 百度Baidu:
 微软Bing:
 搜搜Soso:
 雅虎Yahoo:
 有道Youdao:
 搜狗Sogou:

服务器信息

Web服务器:
IP地址:    
IP所在地:

域名注册信息

注册人:
Email:
ICANN注册机构:
创建时间:
修改时间:
过期时间:
状态:
Name Server:
Whois Server:

Alexa 排名走势数据

流量统计: 当日 一周平均 三个月平均
排名:
PV:
日独立IP:

网站在各国/地区的排名

国家/地区访问比例

下属子站点被访问比例

Alexa 排名走势图

Alexa Reach走势图

域名 Whois 记录

Who is tamilforce.com at whois.dynadot.com

Domain Name: tamilforce.com

Registered at http://www.dynadot.com



Registrant:


suthan

trulankan

45 st dennis dr

vancouvar, manitoba e6w3c4

Canada



Administrative Contact:


suthan

trulankan

45 st dennis dr

vancouvar, manitoba e6w3c4

Canada

suthan48

+1 75936547268



Technical Contact:


suthan

trulankan

45 st dennis dr

vancouvar, manitoba e6w3c4

Canada

suthan48

+1 75936547268



Record expires on 2010/07/15 UTC

Record created on 2006/07/15 UTC



Domain servers in listed order:


ns1.bluehost.com

ns2.bluehost.com





>>> Last update of whois database: 2009/12/20 01:43:12 PST <<<

网站缩略图

sponsored links:

网站访问速度测试

国内Ping速度测试      国内TraceRoute路由测试
美国Ping速度测试      美国TraceRoute路由测试

网站关键字指数 (越高越热门)

域名 tamilforce 其他后缀注册情况   查看更多

后缀 注册时间 到期时间 是否注册
.com
.net
.org
.cn
.com.cn
.asia
.mobi

同类相似网站

查看更多

模拟搜索引擎蜘蛛抓取

Title:TamilForce.Com
Description:Life insurance ensures that, when you die, your beneficiaries will have the financial resources in place to protect their future income and pay for immediate and future financial obligations. Life insurance proceeds are paid quickly to the beneficiary(ies) without the delay of probate and are income tax-free.
Keywords:Life Insurane tutorials, Home Insurance, Car Insurance
Body:
TamilForce.Com
Home
MP3
Movies
Songs
Comedy
Forum
Shows
Serials
Gallery
Poems
Lyrics
52 Users Online
Login
Email Address
Password
Register
Forgot Password
Recent Updates
Visaranai Abirami Madhavi Sun News Ithayam Nadanthathu Enna?? Munthanai Mudichu Vilakku Vachcha Ne.. Mahalakshmi Super Singer 3 Jodi No 1 Junior Chellamey
Links
Click on the categories to the right to see specific updates
August 5, 2010
Visaranai (Serials)
Abirami (Serials)
Madhavi (Serials)
Sun News (TV Shows)
Ithayam (Serials)
Nadanthathu Enna?? (TV Shows)
Munthanai Mudichu (Serials)
Vilakku Vachcha Neram (Serials)
Mahalakshmi (Serials)
Super Singer 3 (TV Shows)
Jodi No 1 Junior (TV Shows)
Chellamey (Serials)
Thendral (Serials)
Thangam (Serials)
Yamirukka Bayamen? (Serials)
Maharani (Serials)
Thirumathi Selvam (Serials)
Super Mom (TV Shows)
Kathai Alla Nijam (TV Shows)
Metti Oli (Serials)
Magal (Serials)
Athi Pookkal (Serials)
Elavarasi (Serials)
Kasthuri (Serials)
Manjal Magimai (Serials)
KrishnaLeelai (Serials)
Uravugal (Serials)
August 4, 2010
Singam (Latest Movies)
Nijam (TV Shows)
Arusuvai Neram (TV Shows)
Lights Camera Action Cut (TV Shows)
Azhagu Kurippugal (TV Shows)
Thirumpi Paakiren (TV Shows)
August 3, 2010
Super Singer Junior 2 (TV Shows)
Jackpot: Season 2 (TV Shows)
Crime Diary (TV Shows)
Suvaiyo Suvai (TV Shows)
Naalaya Iyakkunar (TV Shows)
Raagamaliga (TV Shows)
Marakka Mudiyuma?? (TV Shows)
Thillalangadi Sirappu Kannottam (Special Programs)
Kalyanamalai (TV Shows)
Sokkuthey manam (TV Shows)
August 2, 2010
Kadhal Vanil (Dance)
Kadhal Sadukudu (Dance)
Thota Vilai Enna (Short Films)
Aasai (Short Films)
Oru Veetla Pei (Short Films)
Unmaya Sollanumna.. (Short Films)
Nadanthathu Yennanaa... (Short Films)
Postman part 2 (Short Films)
Postman part 1 (Short Films)
Grandpa taming the beast (Short Films)
Black Yellow Red (Short Films)
Evvalavo Pannuram Idha Panna Maattama? (Short Films)
Nadpin Kadhal part 2 (Short Films)
Nadpin Kathal part 1 (Short Films)
Msn Meeting Went Wrong (Short Films)
Broken Wings Part 2 (Short Films)
Broken Wings Part 1 (Short Films)
Chitappa Part 1 (Short Films)
Chitappa Part 2 (Short Films)
First Step (Short Films)
En Mel Viluntha Malai Thuli Part 2 (Short Films)
En Mel Viluntha Malai Thuli Part 1 (Short Films)
Kadhalil Sodhapuvadhu Eppadi? (Short Films)
TamilForce Introduction Video (Rap)
August 1, 2010
Endhiran Audio Release Function (Special Programs)
Neeya Naana (TV Shows)
Maanada Mayilada 5 (TV Shows)
Honeymoon Jodigal (TV Shows)
Koffee With Anu Season 3 (TV Shows)
Sangeetha Maha Yuththam (TV Shows)
Deala? No Deala? (TV Shows)
Namma Veeddu Kalyanam (TV Shows)
Top 10 Songs (TV Shows)
Top 10 Movies (TV Shows)
Makkal Arangam (TV Shows)
Vanga Pesalam (TV Shows)
Ramayanam (Serials)
Arattai Arangam (TV Shows)
Asaththa Povathu Yaaru (TV Shows)
Aaha Enna Rushi (TV Shows)
Boothak Kannadi (TV Shows)
July 31, 2010
Endhiran (Trailers)
Hariuyudan Naan (TV Shows)
Alagiya Thamil Magan (TV Shows)
Athu Ithu Ethu (TV Shows)
Little Genius (TV Shows)
Samayal (TV Shows)
Maruththuvam Ungalukkaaga (TV Shows)
Manathodu Mano (TV Shows)
Jodi No.1 Season 4 (TV Shows)
Just Ulle Just Veliye (TV Shows)
July 30, 2010
Unavum Aarokkiyamum (TV Shows)
Oviya (Serials)
July 28, 2010
The Matrix (Tamil Dubbed)
Live and Let Die (Tamil Dubbed)
Die Another Day (Tamil Dubbed)
Diamonds Are Forever (Tamil Dubbed)
Casino Royale (Tamil Dubbed)
Quantum of Solace (Tamil Dubbed)
You Only Live Twice (Tamil Dubbed)
Inception (Tamil Dubbed)
Veluthu Kattu (Latest Movies)
Kanagavel Kaakka (Latest Movies)
July 27, 2010
Oru Thalai Raagam (Mid Time Movies)
Oru Naal Oru Kanavu (Mid Time Movies)
Silambattam (Mid Time Movies)
Something Something unakkum enakkum (Mid Time Movies)
Stars Ungaludan (TV Shows)
Hasini Pesum Padam (TV Shows)
Abhiyum Naanum (Video Songs)
Adada Enna Azhagu (Video Songs)
Aindham Padai (Video Songs)
Alibaba (Video Songs)
Anandha Thandavam (Video Songs)
Per Sollum Pillai (Mid Time Movies)
1977 (Video Songs)
July 26, 2010
Thillalangadi (Latest Movies)
Miss Chinna Thirai 2010 - KTV (TV Shows)
July 25, 2010
Thirai Vimarsanam - SUNTV (TV Shows)
Naalum Namathey (TV Shows)
Movie Reviews (TV Shows)
Uyirin Niram Ootha (Serials)
Sabash Sariyana (TV Shows)
July 24, 2010
Raavanan (Latest Movies)
July 23, 2010
Gunaa (Old Movies)
Duet (Old Movies)
July 22, 2010
Virunthali (Latest Movies)
July 21, 2010
Pournami Naagam (Latest Movies)
Ananthapurathu Veedu (Latest Movies)
July 16, 2010
Special Interview with Madharasapattinam Team (Special Programs)
July 15, 2010
Gopurangal Saivathillai (Mid Time Movies)
Cinema Talks (TV Shows)
Angadi Theru (Video Songs)
Vettaikaaran (HD Video Songs)
Chithi (Serials)
Singam (Video Songs)
Raavanan (Video Songs)
July 14, 2010
En Rasavin Manasile (Mid Time Movies)
The Italian Job (Tamil Dubbed)
Jenma Natchathiram (Mid Time Movies)
Girivalam (Mid Time Movies)
The Last Airbender (Ulaga Nayagan) (Tamil Dubbed)
Kalavaani (Latest Movies)
Madrasapattinam (Latest Movies)
July 13, 2010
Thillalangadi (Trailers)
July 12, 2010
Jai (Mid Time Movies)
Clash of the Titans (Tamil Dubbed)
July 10, 2010
Iniyavale (Mid Time Movies)
Coimbatore Mappillai (Mid Time Movies)
Nagercoil (Mid Time Movies)
Dharma Seelan (Mid Time Movies)
Keladi Kanmani (Old Movies)
Jallikattu (Mid Time Movies)
Aadatha Aattamellam (Mid Time Movies)
Pommayee 2 (Tamil Dubbed)
July 9, 2010
Ambasamudram Ambani (Latest Movies)
Madrasapattinam Oru Sirappu Paarvai (Special Programs)
Alaipayuthey (Serials)
July 7, 2010
Thangam (Mid Time Movies)
Vambu Sandai (Mid Time Movies)
Budget Padmanabhan (Mid Time Movies)
Naalaya Theerpu (Mid Time Movies)
300 (Tamil Dubbed)
July 6, 2010
Nijam (Mid Time Movies)
June R (Video Songs)
Sivi (Mid Time Movies)
Inaintha Kaigal (Mid Time Movies)
Police Story 2 (Tamil Dubbed)
Vedikundu Murugesan (Mid Time Movies)
Pa.Ra.Palanisamy (Latest Movies)
Maanada Mayilaada (TV Shows)
July 5, 2010
Katradhu Kalavu (Latest Movies)
July 1, 2010
Enge Bramanan (Serials)
Bayam Ariyaan (Latest Movies)
Milaga (Latest Movies)
Penn Singam (Latest Movies)
June 29, 2010
Guru Shisyan (Latest Movies)
Pazhassi Raja (Mid Time Movies)
Parijaatham (Mid Time Movies)
Oru Ponnu Oru Paiyan (Mid Time Movies)
Doubles (Mid Time Movies)
Nepali (Mid Time Movies)
Nantha (Mid Time Movies)
Manasthan (Mid Time Movies)
Taj Mahal (Mid Time Movies)
Magane En Marumagane (Latest Movies)
Maanja Velu (Latest Movies)
Love Today (Mid Time Movies)
Arul (Mid Time Movies)
Kurukku Puthi (Latest Movies)
Krish (Mid Time Movies)
Kola Kolaya Mundhirika (Latest Movies)
Anbe Sivam (Mid Time Movies)
Samrat Ashoka (Mid Time Movies)
Saamida (Latest Movies)
Kadhalagi (Latest Movies)
Charlies Angels (Tamil Dubbed)
Movies Updates
Video Songs Updates
Comedy Clips Updates
TV Shows Updates
TV Serials
Gallery Updates
MP3 Updates
HD Videos
Latest Movies
Thillalangadi
Virunthali
Ananthapurath..
Kalavaani
Ambasamudram ..
Madrasapattin..
Pa.ra.palanis..
Pournami Naag..
Veluthu Kattu
Bayam Ariyaan
Milaga
Raavanan
Kurukku Puthi
Kadhalagi
Penn Singam
Katradhu Kala..
Saamida
Sivappu Mazha..
New Poems
#2965; #3006; #2980; #2994; #3007; #2980; #3021; #2980; #3009; #2986; #3006; #2992; #3021; / Funny
#2951; #2991; #2993; #3021; #2965; #3016; #2991; #3007; #2985; #3021; #2986; #2992; #3007; #2970; #3009; / Love
mudhal kaadhal / Love
Varuvaya...? / Loss
#2953; #2985; #3021; #2965; #2979; #3021; #2965; #2995; #3016; / Love
#2965; #3006; #2980; #2994; #3021;... / Love
#2965; #3016; #2965; #3021; #2965; #3009; #2958; #2975; #3021; #2975; #3006; #2965; #3006; #2980; #2994; #3021; / Love
Aazagu / Beautiful
#2965; #3006; #2993; #3021; #2993; #3015;!!! / Love
oh! nanbanea / FriendShip
NINAIVUKAL.... / Memory
#2958; #2985; #3021; #2985; #2970; #3014; #2991; #3021; #2980; #3006; #2991; #3021; #2958; #2985; #3021; #2985; #3016;..!! / Love
#2986; #3007; #2992; #3007; #2997; #3009; / Loss
En Uyire... / Love
En natpai solla neram illai... / FriendShip
#2953; #2985; #3021; #2985; #3016; #2997; #3007; #2992; #3009; #2990; #3021; #2986; #3009; #2965; #3007; #2993; #3015; #2985; #3021; / Love
New Photos in Gallery
Ramesh
Ramesh
Ramesh
Ramesh
Ramesh
Ramesh
Ramesh
Ramesh
New Song Lyrics
Paal manasa kaal / Aarvam
Muththumani maala / Aarvam
Saelaikkattiya iduppu / Aarvam
Vinnoada seraadha / Aarvam
Mudhal mudhalaai / Aarvam
Dhevathaigalai kandene / Aarvam
Usurey en usurey / Vamsam
Maruthaani poovappoala / Vamsam
Vaanathiv raayar / Vamsam
En nenjey / Vamsam
Pookkal pookkum / Madrasapattinam
Bagingam kaalvaayil / Madrasapattinam
Aaruyirey Aaruyirey / Madrasapattinam
Vaammaa dhuraiyammaa / Madrasapattinam
Thoathuppoanen thoathuppoanen / Thillaalangadi
Solppechu ketkaadha / Thillaalangadi
New Members with Photos
Selva, Raj..
Kannan, R
Karthick, ..
Saravanan,..
Robert, D ..
Manivanan,..
Sagaha, Uw..
Kosala Ran..
Terms of Use
None of the files shown here are actually hosted on this server. The links are provided solely
by this site's users. The administrator of this site cannot be held responsible for what its users
post, or any other actions of its users. You may not use this site to distribute or download any
material when you do not have the legal rights to do so. It is your own responsibility to adhere to these terms.
This Site's pages and files are here for educational purposes only and SHOULD NOT BE
DOWNLOADED OR VIEWED WHATSOEVER! If you are affiliated with any government, or
ANTI-Piracy group or any other related group or were formally a worker of one you CANNOT
enter this site, or cannot access any of the files linked on it. If you enter this site
you are not agreeing to these terms and you are violating code 431.322.12 of the
Internet Privacy Act signed by Bill Clinton in 1995 and that means that you cannot + threaten
our ISP(s) or any person(s) or company storing these files, cannot prosecute any person(s)
affiliated with this page which includes family, friends or individuals who run or enter this web site.
Finally, before you start finding some mail address to write us nice letter: we really aren't
responsible for the content on this site. As its written above, whole content is provided by site's
users and third party trackers. Our site is more like search engine for quality releases, with links
to some encoded text files. If you want to send us some letter, please send it also to Google,
Yahoo or Lycos, because they link to the same files only on other domain.
IF YOU DO NOT AGREE, YOU MUST LEAVE NOW!
Learning Center
What types of life insurance are available for members of the Sea Services (Navy, Marines, Coast Guard, PHS and NOAA)?
There are two basic classifications of life insurance, Term and Permanent.
Term insurance - Provides death benefit coverage for a specified period of time with a premium that is initially low relative to permanent insurance premiums. Premiums are initially low because most contracts do not cover individuals through old age, when death is most likely to occur. The premium is based on the type of term plan you elect, the amount of coverage, risk status (smokers and people in poor health or with dangerous lifestyles pay higher premiums), your current age and the age to which coverage is desired. Term insurance policies which provide a death benefit at older ages will have substantially higher premiums. The death benefit can be level or decreasing. Term insurance does not have cash value. If you terminate a term life insurance policy, none of the money paid in premiums is recoverable, with few exceptions. (More information about Term insurance options )
Permanent insurance - Provides insurance for the insured rsquo;s entire life, not just for a limited period, while also providing a savings element known as the plan rsquo;s cash value. The cash value is available to the policy owner by taking a loan against the cash value, making a partial withdrawal, or terminating the policy. Premiums for permanent coverage will be higher than term insurance because there is not just a chance that the death benefit will be paid out, but it is sure to be paid out. The premium is based on the type of permanent plan you elect, the amount of coverage, your current age, risk status (smokers and people in poor health or with dangerous lifestyles pay higher premiums) and the number of years that you wish to take to pay off the plan. You may elect to pay up the plan with a single payment, or over a period of time such as seven or ten or twenty years, or you may elect to make payments for life. Permanent plans can have either level or increasing death benefits. (More information about permanent insurance policies)
A brief explanation of a few types of term and permanent insurance plans are provided along with a graphic illustration of each.
Term Insurance Types
Decreasing Term - Provides a death benefit which systematically decreases after a period of time (e.g., 1, 5, 10 yrs) until either the plan is terminated as a result of completing the term or the coverage becomes level at a very low value for the remainder of the insured rsquo;s life. Premiums for this policy are generally low and will remain level as the death benefit decreases. (More about Decreasing Term Insurance Policies)
Level Term - The death benefit and the premium will both remain level until the end of a specified term at which point the policy will be terminated. The premiums for these policies are generally more expensive than decreasing term due to the level death benefit. (More about Level Term Insurance Policies)
Renewable Term - This death benefit will remain level while the premium systematically increases after a period of time (1, 5, 10 yrs). In the later years of the policy, the premiums continue to increase and can become cost prohibitive. Renewing your coverage after each term period is guaranteed and does not require additional evidence of medical insurability.
p
Permanent Life Insurance Types
Whole Life (or Ordinary Life) - Whole Life is the traditional form of permanent life insurance which provides a guaranteed level death benefit for a fixed premium paid throughout the insured rsquo;s life (defined as either age 95 or age 100). This plan will have a guaranteed schedule of future cash values and allowable loan amounts.
Interest Sensitive Whole Life - Interest Sensitive Whole Life provides a guaranteed death benefit for a fixed premium which is calculated based on the number of years that you wish to take to pay off the plan (e.g., 7 years, 20 years, etc.). The growth of the plan rsquo;s cash value is determined by the company rsquo;s crediting rate (interest rate) and cost of insurance charges. As the plan rsquo;s cash value grows in the future, the death benefit may also begin to increase. (More about interest-sensitive Whole Life policies)
Universal Life (or Flexible Premium Life) -Universal Life insurance, also known as Flexible Life, has an adjustable death benefit and flexible premiums. The owner can choose between a level death benefit (option A) or an increasing death benefit (option B). Recommended premiums at the inception of the policy are calculated using anticipated investment performance and expenses. If the plan performs as favorably as or more favorably than anticipated, the premium payments will be sufficient to keep the policy in force. However, if performance is less than anticipated, additional premium payments may be required.
A policy may make additional premium payments, within guidelines, to increase the savings portion of the policy, or skip a premium at any time. If the premium paid is not large enough, or too many are skipped, the policy could lapse and coverage would end. The amount of insurance can be decreased at any time, and in some cases increased (with evidence of insurability) without having to purchase an additional policy.
Variable Life - Variable Life provides no guarantees of either interest rate or minimum cash value. The death benefit and cash surrender value will vary depending on the investment performance of the plan. A unique feature of this plan is that the owner has the ability to choose among several investments from which to invest the premiums. The investments to choose from will range from high risk to low risk.
The important thing to know is that the owner assumes all the investment risk and consequently can benefit directly from favorable results or bear the loss of unfavorable investment performance. Theoretically, if poor investment performance and/or high cost of insurance charges lower the cash value to $0, your policy will be terminated. To inform you of the nature of your prospective investment, a prospectus will be offered for each investment that you may be considering.
p
What type of life insurance is right for you?
Determining the appropriate type of insurance involves several factors including: the type of need you are protecting, the amount of time you will need the coverage, the amount of money you can afford for premiums, etc.. Conventional wisdom indicates that there are two times when term insurance coverage is appropriate: people with a temporary insurance need for a specific period of time or people who need permanent protection, but who temporarily cannot afford the premiums for permanent insurance.
In the latter case, the insured would maintain a term plan until such a time that his/her financial cash flow would permit a permanent insurance plan to be purchased. With that in mind there are two important features of term insurance that need to be understood and looked for when buying term insurance: Renewability and Convertibility. A renewable policy can be renewed (extended) without proof of insurability. The renewable premium will be higher and based on the renewal age. This is important if the period for your temporary need gets extended.
A convertible policy can be converted to permanent insurance without proof of insurability. This is important for those people who want permanent insurance, but temporarily cannot afford it. There may be an extra premium charged for these two features. Permanent plans are used to cover those expenses that will remain throughout the insured rsquo;s lifetime or for an indefinite duration, while providing a saving account that can be used for emergency cash or to supply future income.
Below is a graphic illustration showing some of the needs for insurance and their possible durations (indicated by the length of the line). Various needs for coverage will arise during a person rsquo;s lifetime and will range from long term to a comparatively short term. Based on the duration of the need for coverage we have assigned an insurance type that may be most appropriate to meet the obligation.
As illustrated above, you will have different coverage needs which may require different insurance types. It is important to understand that if you have multiple liabilities, which you will most likely have, then it may be best to have a combination of insurance plans rather than just one.
After arriving at the general type of the life insurance, you will want to break it down even further to determine the exact type of insurance coverage that would be most appropriate for covering the specific liability. To determine the specific type, you need to be aware of how the liability will perform in the future. In other words, will it decrease (mortgage), increase (income needs) or remain level? After assessing the type of liability, you can then choose from the various types of insurance, illustrated above under ldquo;Term Insurance Types rdquo; and ldquo;Permanent Insurance Types rdquo;, that will meet your needs and fit into your budget.
To help you further understand the differences between term life insurance amp; permanent life insurance, the table below has been developed to help you. Because there are different types of term amp; permanent insurance we have subdivided the categories to help you understand. A summary of the basic features for each category of insurance has been provided earlier in this tutorial. Please be aware that this is only intended to be a general summary of the various types of plans and may not be directly applicable to the plan you are looking at if the plan has been modified from the traditional type of plan.
Term Life Insurance
Permanent Life Insurance
Decreasing
Level
Whole Life
Universal Life
Variable Life
Are the premiums guaranteed to remain level until your plan terminates?
Maybe. Depends on the company and the specific product you purchase.
Maybe. Depends on the company and the specific product you purchase.
Yes
No. If interest rates and/or plan expenses have been unfavorable over time, the planned premiums may need to be changed.
Maybe. Depends on the specific product you purchase.
Can I pay a higher or lower premium whenever I want?
No
No
No
Yes. Generally after the first policy year.
Maybe. Depends on the specific product you purchase.
Can the premiums be paid over a limited period of time?
No
Maybe. Depends on the specific plan you purchase.
No
Maybe. Premiums can be paid over a wide range of payment years.
Maybe. If the company offers a limited pay plan.
Does the policy accumulate cash value?
No
No
Yes. The cash value is determined by a preset schedule.
Yes. The cash value will be determined by the crediting rate and policy expenses.
Yes. The cash value amount will be determined by the performance of the chosen investments and policy expenses.
Can I take policy
loans?
No
No
Yes
Yes
Yes
Do I choose where
the premiums are
invested?
No
No
No
No
Yes. You many chose from a variety of investment vehicles which will range from high to low risk.
Will the death benefit remain level?
No. The death benefit will decrease based on a set schedule.
Yes. It will remain level until the scheduled termination date.
Yes. It remains level for your entire lifetime.
Maybe. If you elect the level benefit option your death benefit will remain level. If an increasing benefit option is elected then the death benefit will increase with the cash value.
No. The death benefit will increase or decrease as a result of the fluctuations in your investments.
*** Because life insurance policies can differ from company to company, please contact your insurance company to find out all the details before purchasing a plan. ***
What kind of insurance riders can be attached to your life insurance plan?
Insurance riders are separate plans, which are purchased with a set premium, that are attached to your primary insurance coverage to provide additional benefits. These riders can provide various forms of additional protection. In order for the benefits of the rider to take effect, several qualifying conditions will have to be met. The qualifying conditions will be explained in the rider explanation form that you will receive at the time of application. A few types of riders are explained hereafter:
Waiver of Premium - Guarantees that future life insurance premiums will be paid in the event that the insured becomes disabled prior to a specified age.
Accidental Death (or Double Indemnity) - If the insured should die as a result of an accident, an additional amount of death benefit will be paid out to the beneficiary.
Disability - Upon a qualified disability, payments of income can be paid to the disabled owner in the form of an annuity for a set period of time.
Child Coverage - Provides a death benefit in the event of a child rsquo;s death prior to a specified age.
Guaranteed Insurability - Allows the insured to purchase a predetermined amount of coverage at certain times in the future without having to be medically insurable.
Cost of Living - Permits the policy owner to purchase an inflation adjusted one-year term insurance equal to the percentage change in the Consumer Price Index with no evidence of insurability.
Long Term Care - In the event an individual should be required to go into a nursing home or receive home care, an annuity can be paid out to the long term care provider to defray some of the nursing care payments.
Terminal Illness - Allows terminally ill insured with a life expectancy of usually under one year to receive all or part of the death benefit.
What should you do when comparing life insurance policies?
When you have established the amount, duration, and type of life insurance policy(s) that you feel will best meet your need(s), your next step is to shop for the best coverage. Here are several considerations when shopping for the best coverage:
- Always compare similar policies (apples to apples).
- Shop around and get quotes from different insurers.
- Compare premiums and ask if they can change in the future.
- Be aware of any commissions, surrender fees, or loads.
- Understand the guaranteed features, if any, of the policy.
- Ask for the crediting rate and crediting rate history (if applicable).
- For new permanent plans, ask for and compare net payment amp; surrender cost indices.
- Compare cash surrender values and future death benefits using a realistic crediting rate.
- Ask about the financial security of the company.
Term insurance is easier to compare and understand than the more complicated permanent plans and confusion can easily arise. Therefore, it is always in your best interest to have an unbiased insurance counselor or financial planner review your different plans with you if you are having a hard time with the comparison process.
Should you cancel or replace your current policy?
When thinking about the possibility of replacing your coverage, you should consider several things before taking action.
1) Are you going to be medically insurable? Never terminate your current plan before knowing that you have been approved for the replacement coverage.
2) Premiums for your new plan may be higher than your current plan. If this is the case, you should determine whether the new plan will provide you with a guaranteed death benefit or some other favorable feature which the current plan does not offer. Note: when comparing permanent plans, always assume that you are transferring the cash value of your current policy as a lump sum to the new policy. This will insure a more accurate comparison by lowering your monthly premium.
3) If you have not completed about 15 years with the current plan, you will usually incur a surrender charge on the policy which will lower your cash surrender value below the total premiums paid. You must weigh the advantages of the reduced cash value return with the newly acquired benefits of the proposed plan.
Whenever comparing policies, it is always important for you to ask for a break down of premiums, cost of insurance, death benefits, reasonable interest rates, as well as the various features of the two insurance plans. If a replacement policy is determined to be in your best interest, request to have the policy transferred through a 1035 exchange. The 1035 Exchange will allow the cash value and tax basis of your current plan to be transferred over to your new plan tax-deferred and possibly save you a lot of money in the future.
When should I review my needs for life insurance?
It is beneficial for you to review your insurance needs every few years or when a major life change occurs (marriage, children, house, new job, etc.). In addition, it is always important that you have your life insurance papers and other valuable papers in a safe location that can by reached by a family member or trustee in the event of your death. If they can rsquo;t get to it or do not know that the policies even exist, then you might as well not even have the coverage.
Will my beneficiary receive the death benefit in on payment or as a series of payments?
Insurance companies may offer a variety of payment options. The owner of the plan may designate the option(s) prior to the death of the insured. If no option is designated, the beneficiary(ies) of the life insurance plan may choose to receive the death benefit under the options shown below. Always remember to keep your beneficiary designation up to date.
Lump Sum Payment: Death benefit proceeds will be received as a single payment.
Fixed Period: The death benefit can be received over a fixed period of 1 to 30 years. If the annuitant should die during the fixed period, the remaining principal will be paid in full or payments will continue for the remainder of the fixed period to a beneficiary(ies).
Fixed Amount: The death benefit will be paid in equal amounts every month until the entire amount of proceeds has been paid. If the annuitant should die during the fixed amount payment period, the remaining principal will be paid in full or payments will continue to a beneficiary(ies) until the full amount is paid.
Interest Only: Interest payments are paid by the life insurance company on the amount of the proceeds retained. The death benefit remains available for full or partial withdrawals at any time or may be converted to an annuity payout option. Interest payments continue until the option is surrendered or converted to another option.
Life Income: The death benefit will be paid for life of the annuitant. The annuitant may elect an option, know as a guaranteed period certain, with the life income annuity which will ensure that payments will be paid to a beneficiary if death of the annuitant should occur within a certain number of years after the purchase of the annuity. The years which may be elected under the guaranteed period certain option are typically 5, 10, 15, or 20 years. Should the annuitant die during the guaranteed period certain, payments will continue to the new designated beneficiary for the remainder of the period certain.
Article By: http://www.navymutual.org/LifeInsuranceTutorial.asp
copy; TamilForce NetWorks
This page took 0.022227 seconds to load.

数据更新时间

正在更新   

常用工具

桌面软件: MyIP网站信息状态条  WebShot网页快照  SiteMapMaker网站地图生成 
网站信息: Alexa排名查询  PageRank查询/真假PR鉴别/PR劫持检测  外链检查  搜索引擎收录  搜索引擎反向链接  域名注册查询 
网页编辑: 颜色代码选择器  Html特殊符号 
网站调试: 蜘蛛抓取模拟  网站Header信息  网页源代码查看 
代码转换: 火星文查询  繁体/简体转换  Html/js代码转换  Html/UBB代码转换 
友情连接: CodeForge免费源码 CodeForge.com PCFans IT资讯 Ngnix Lighttpd GPhone中国    更多... (PR<5自动转内页)
网站地图: 1 2 3 4 5 6 7 8 9 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 170 180 190 200 250 300 350 400 450 500
免责声明 | 联系我们 | 交换友情链接 | 广告位招商QQ: 1967659002
© 2009 MyIP.cn Dev by MYIP Elapsed:63.990ms 黑ICP备09072263号