Why must I take a senior life insurance policy

Any life insurance policy offers significant monetary compensation to one’s family or loved ones in the event of a sudden and unexpected bereavement. Often, when the primary breadwinner passes away leaving behind dependents, the survivors could face a lot of struggle to make ends meet. This is particularly true if the deceased has children whose education needs to be funded, or if a mortgage on the property remains to be paid off, or if the deceased has dependents who require regular services of a medical professional. If those left behind have no means of earning money, then they might even be forced to sell what property or assets they own. A good life insurance policy offers protection in such unforeseen situations.

Among the many senior life insurance policies available, term life insurance policies are the cheapest option as they offer coverage for a stated period of years. They have no other benefits as investments, hence, the lower cost of premiums.

Typically, most people do their best to save up some amount of money before they retire from full-time employment. However, not everyone has an adequate financial safety net to cover the end of life expenses. A burial life insurance for seniors may be taken for a comparatively lower premium and with lesser qualifications to fulfill in order to at least cover the cost of burial and funeral expenses post one’s passing away.

For seniors who have managed to put aside some savings, the reason to opt for a life insurance for seniors may be to use the insurance premiums to offset or minimize their taxable income, so that they can leave behind more for their families. Single premium life insurance policies offer death benefits minus the taxes on the inheritance of wealth or assets, thus making such plans a popular choice.

Therefore, it is sound financial planning to take purchase some kind of life insurance for seniors, based on one’s affordability so that even if beneficiaries cannot avail death benefits, they nevertheless receive enough money to cover the burial and funeral expenses, which in most states of the country are fairly expensive. With online life insurance quotes, seniors can easily find an insurance policy the meets their needs.

YOU MAY ALSO LIKE

  • 10 Habits to prevent aging of skin and hair
    How many times do we look at our mothers, aunts, and those glamorous Hollywood stars and wonder if we would age like them? As you age, the skin starts to look dry, oily and wrinkled and your hair greyer. Read these tips on how to prevent skin and hair from aging: • Eat a lot of veggies and fruits: Fruits and veggies have natural detoxifying properties which purify your blood and improves your skin's tone and texture. They are the gold mines containing antioxidants that combat free radicals, oxygen fragments that attack and damage cell membranes, life sustaining proteins to bring down aging. • Drink milk: Milk is rich in calcium. Make it a habit to drink a one glass of milk a day. For those who are calorie conscious, do not worry that you would put on weight as milk fat, amino acids and vitamin A is essential for smooth skin and hair growth. Moreover, these are the good fats that will also help you maintain your weight. • Drink lots of water: Water is a natural nourishing substance gifted by our mother nature. Doctors recommend to drink at least 8 glasses of water per day. The more you drink water the more waste it flushes out from your body. It keeps you healthy leaving a radiant glowing skin. • Eat fish: You could be using amongst the 10 best wrinkle creams, and while they do work wonders, you need natural fats to keep the glow on! Fish are high in omega 3 fatty acids which is extremely good for a glowing skin. It smoothens your skin and keeps it moist. • Regular Exercise: We all know the benefit of sweating it out. There is no such healthy routine without a regular work out. Sweating it out really helps to slow down aging. Research has proven that 30 minutes of exercise everyday can go long way in reducing the process of aging not just your looks, but your internal organs as well. • Keep a positive attitude and stay happy: Keeping a positive attitude is one of the best things you can do for yourself. Having a positive attitude goes a long way in achieving mental peace and keeps you stress free. Stand back and don't let the hassles of life gnaw at your brain. Feel young and be grateful to everything in life. A lighter heart gives you a light mind. Besides, a positive attitude will give your face a glowing look, more than any of the best wrinkle creams money can buy! • Use Coconut oil: Coconut oil is one essential oil to prevent and combat hair damage and improve your skin's texture. It repairs dead and damaged skin. Hot oil treatment provides nourishment to the hair follicles deep within the roots providing healthy looking and strong hair. • Avoid carbonated drinks: There are varieties of bottled cool drinks available in the market that call themselves organic and preservatives-free. Don't be fooled, for an edible product cannot be sold in the market without added preservatives which add to skin maturing. Sugar is a direct cause of speedy aging. • Avoid alcohol and smoking: Intake of alcohol and smoking are habits that will make you look older than you actually are. Research proves that alcohol induces maturing of skin and damages the cells. • Eat Nuts: Nuts contain healthy proteins, unsaturated fats, fiber, omega3 fatty acids and vitamin E- all the essential nutrients you need to keep looking young and stay lean! It is the perfect snack food filled with anti-aging fats. These fats help in maintaining collagen levels of your skin, like some of the best anti-wrinkle creams would. Nuts are recommended for healthy hair too and to promote proper blood circulation through the scalp.
  • Foods to include in your Mediterranean diet meal plan

    The Mediterranean diet plan is basically based on the diet plan followed by the people of Greece and Italy in the 1960s. The diet primarily consists of food items predominantly eaten by natives from that region such as generous helpings of fruits, vegetables, pasta, and rice and a limited quantity of red meat. There are alleged reports that swear by this diet plan's ability to help one reduce weight,  prevent strokes, type 2 diabetes, premature death, and heart attacks. There is no such exact diet plan because around the Mediterranean Sea, there are many countries and the people of those countries have a diverse palate influenced by indigenous produce and their culture. In this article, you will get dishes and foods that you can include in your Mediterranean diet menu in order to make it healthier.

    The basics of a Mediterranean diet
    Here are some of the some of the basic foods that you should include in your Mediterranean diet menu:

    • Foods you must eat regularly: Vegetables, legumes, bread, whole grains, extra virgin olive oil, fruits & nuts, fish and seafood, seeds, herbs, and spices
    • Foods to eat in moderation: Eggs, cheese, poultry, and yogurt.
    • Foods to eat rarely: Red Meat
    • Foods to be avoided: Sugary dishes, added sugars, refined grains, processed meat, and refined oils

    Food items you need to abstain from while on the diet:
    These are some of the unhealthy foods that you should not have in your Mediterranean diet menu:

    • Added sugar: Candies, soda, ice cream, and other related sugary foods
    • Refined grains: Pasta prepared with refined wheat and white bread
    • Refined oils: Canola oil, soybean oil, and cottonseed oil
    • Trans fats: Margarine and other processed foods
    • Processed meats: Sausages and hot dogs, among others

    Food items that should be included in the Mediterranean diet:
    There is no exact definition of what a Mediterranean diet comprises since the region is made up of different countries that have varying culinary preferences. One thing that most people can agree on though, is that the diet is undoubtedly healthy and leads to the people having fewer health issues than those consuming a diametric one. The diet focuses on eating lesser red meat and instead stresses mainly on fresh fruits and vegetables. It is also highly recommended to include fish and seafood twice a day in your diet plan. The following are some of the foods that should be included in your Mediterranean diet menu:

    • Vegetables: Tomatoes, kale, broccoli, onions, spinach, carrots, and peaches.
    • Fruits: Bananas, apples, oranges, strawberries, pears, dates, grapes, melons, and figs.
    • Legumes: Beans, lentils, peas, peanuts, pulses, and chickpeas.
    • Nuts and seeds: Walnuts, almonds, macadamia nuts, cashews, and hazelnuts
    • Tubers: Sweet potatoes, potatoes, yams, and turnips.
    • Whole grains: Brown rice, barley, oatmeal, corn, buckwheat, and whole grain bread.
    • Seafood and fish: Sardines, salmons, trout, mackerel, tuna, shrimp, clams, oyster, and crab.
    • Poultry: Duck, chicken, and turkey.
    • Eggs: Quail, duck, and chicken.
    • Dairy: Yogurt, cheese, and Greek yogurt.
    • Herbs and spices: Garlic, mint, basil, rosemary, nutmeg, sage, pepper, and cinnamon.
    • Healthy fats: Olives, extra virgin olive oil, avocado oil, and avocado

    Things you can drink while on a Mediterranean diet:
    Water is the best beverage to accompany a Mediterranean diet.Also, you can choose to have one glass of red wine per day. You should remember that the consumption of red wine is absolutely optional and those who prefer eschewing any kind of spirit or are not very confident in their ability to stick to just one glass can forego it completely. Tea and coffee are some of the beverages that are completely acceptable in a Mediterranean diet menu. When you are taking tea or coffee make sure that you avoid taking too much sugar. Also, steer clear from beverages and juices with added sugar, or packed fruit juices since they are incredibly high in sugar content.

    Below is an example of a basic Mediterranean diet chart for one week but keep in mind that this is in no way a chart to be followed without first consulting a dietician or nutritionist because every body has different nutrient requirements and not fulfilling those can lead to grave results.

    Monday

    • Breakfast: Strawberries and oats with Greek yoghurt
    • Lunch: Any form of pasta
    • Dinner: Boiled salmon, brown rice, and vegetables

    Tuesday

    • Breakfast: Oatmeal
    • Lunch: Tuna salad
    • Dinner: Salad made with tomato, feta cheese, and olive

    Wednesday

    • Breakfast: Omelette with vegetables and one fruit
    • Lunch: A whole grain sandwich made with vegetables and cheese
    • Dinner: Lasagne

    Thursday

    • Breakfast: Sliced fruits with yogurt
    • Lunch: Lasagne
    • Dinner: Boiled salmon, brown rice, and vegetables

    Friday

    • Breakfast: Omelette with vegetables, fried in olive oil
    • Lunch: Strawberries and oats with Greek yogurt
    • Dinner: Salad with grilled lamb and baked potato

    Saturday

    • Breakfast: Oatmeal
    • Lunch: Sandwich with vegetables and cheese
    • Dinner: Whole wheat pizza with cheese, vegetables, and olive toppings

    Sunday

    • Breakfast: Omelette with vegetables and olives
    • Lunch: Whole wheat pizza with cheese, vegetables, and olive toppings
    • Dinner: Vegetable salad with potato and grilled chicken. You can have fruits for dessert as well.Snack items to have in between meals 
    • Greek yoghurt
    • Nuts
    • Fruit
    • Carrots
    • Grapes
    • Apples

    This is a sample list of what a typical Mediterranean diet looks like, but consulting a proper dietician can help you adjust it according to your needs.

  • A brief guide to choosing the best Christmas nativity set
    Setting up the nativity scene for Christmas is a tricky part of the decoration because it has a religious backstory and relates to the legend of the birth of Jesus Christ. So it needs to be very respectful and decent, but you also need to spark it up a little bit for the sake of vibrancy. Here are some tips for choosing the right Christmas crib statues and scene to awestruck your guests with your creative skills. Nativity scenes under the Christmas tree Setting up the crib under the Christmas tree is a popular idea. It is usually done on the Christmas tree skirt, so choose a bright and colorful one to give a lovely base to your crib. The Christmas tree crib usually has smaller figurines of Mother Mary and baby Jesus, including Joseph, the angels, the magi and their sheep. But you can always throw in as many animal figures you want, given that it is a stable scene and dash it up with some more designs. Crib scene on the table Arranging for the nativity scene on a tabletop as a centerpiece gives you more space and liberty to experiment with the decorations. There are Christmas cribs for sale during the holiday season. You can add various other subjects like some sparkling Christmas trees or bushes here and there, more animals and beautiful candles, over and above the traditional scene with Jesus, his parents, and the angels. If you have kids around, it is safe to use LED candle lights, but nothing beats the appeal of real candles lighting along these significant Christmas crib statues. Outdoor crib scene Setting up your nativity scene outside is a big task to accomplish. You can either buy the nativity set on the whole or purchase the individual Christmas crib statues and bring them together. In case of outdoor nativity sets, you can have as big as 12-inch nativity figures which might look too big for an indoor set. You can make a rustic nativity set or give it a polished and modern twist by adding revolving Christmas trees, shiny tinsels, LED desert backgrounds, antique lanterns, tea light holders and so on. Since this is an essential part of the original reason why Christmas is celebrated, it must be done with patience and devotion. Spend some quality time deciding and choosing which one you want to do for your house and get on with it. The figurines and sets are available everywhere in the market as well as online get them home and create magic!
  • 3 essential tips on choosing a university of your choice
    Admission in general is quite an overwhelming process that requires a great deal of effort and planning in the right direction. The process becomes twice as complicated when it comes to pursuing master’s education. This is usually because a substantial amount of your future seems to be at stake, you tend to weigh up things a bit too much before taking a decision. While being cautious and focusing on crucial aspects usually bears fruit, we often tend to miss out on certain obvious observations while making a decision. If you are a master's education aspirant who is looking for useful leads, here are a few tips and key considerations that you must employ while choosing a master’s education course. Choose the destination that is the best for your course If you are considering completing your master’s education from a university abroad, it is necessary you pick a destination based on what you wish to study. It is a fact that specific destinations are more popular for economics, biology or engineering than the others that may have specialized courses in disciplines such as arts, designing or psychology. It is therefore important you invest adequate time researching for the best-rated universities in a particular field for master's education. Be sure about the recognition of your academic qualification All universities in Europe and Australia require a pre-master's degree from international students who wish to pursue master's education in these countries. It is, therefore, important that you identify if you need to undertake an additional bridging degree to be eligible to apply for the course of your choice in the other country. Decide whether to opt for a metropolis or a smaller city From a logistical and exposure point of view opting for a university in a bigger city is a big plus, however, students can also easily get distracted in larger cities. While opting for a big city or a small one is an individual’s prerogative, it is important you thoroughly consider the pros and cons present in both the options. Your decision of the destination, ultimately, should stem out of the Master degree course you wish to pursue.
  • Redefine your business with Chevrolet Silverado 1500 Double Cab
    A multitasking vehicle in the real sense, the 2016 Chevrolet Silverado 1500 Double Cab configurations and features will surprise you. The two–door, four-door, and big four doors are the 2016 Chevrolet Silverado 1500 Double Cab configurations. Different variants of Chevrolet Silverado 1500 Double Cab come with different engine capabilities with 285 hp 4.3 liter V6, 355-hp 5.3 liter V8 and 420 hp 6.2-liter V8 engines being the options available. For achieving maximum fuel economy, the engines automatically shut down the cylinders, whenever the need arises. These engines except for 420 hp engine come with the six-speed automatic transmission which offers maximum power at minimum fuel consumption, whenever the situation warrants so. Many additional amenities have also been added to the latest variant of Chevrolet Silverado 1500 Double Cab, which means that the vehicle comes equipped with heated leather wrapped steering wheel along with power adjustable pedals and a driver alerting alarm. This package of warning alarm includes multiple dimensions of driver and passenger safety including collision alert, low-speed automated braking system and automatic high beams and a vibrating seat which alerts whenever the vehicle is in danger of collision. Much work has been done to maintain the inner elegance of Chevrolet Silverado 1500 Double Cab. There is less motion for the passengers when the Silverado 1500 is passing through a rough patch of soil. Moreover, work has been done on making the control panel of Chevrolet Silverado 1500 simple. Care has also been taken to make the vehicle luxurious for the driver and the passengers alike. Heated and ventilated seats, power adjustable pedals, touch screen display, Wi-Fi connectivity and facility for wireless phone charging has been included. Owing to the recent as well as the 2016 Chevrolet Silverado 1500 Double Cab configurations, it is a perfect purchase for someone looking for a reliable vehicle which can cater to business needs in the rough outdoors. Moreover, due to the latest and the 2016 Chevrolet Silverado 1500 Double Cab configurations, the vehicle is equally capable of being used for a family picnic. And your loved ones will always cherish that one drive which you take them to in your Silverado 1500 Double Cab after taking some time off from your busy work schedule.
  • Things you must know about cell phone lookup
    It has become very easy to lookup for a person or a number online. One of the popular searches made online is for listings belonging to particular numbers. This method of looking up people using a cell phone number only is called reverse lookup as compared to other cell phone lookup practices which are used for looking up a person's cell phone number using details like name and address. Looking up cell phone numbers and their listings have become very common and easy as there is a number of online number directories where one can find associated listings for a number. While most of these are free, there are several websites that won't give you the results without a small fee. Let us talk about why you should not pay for cell phone lookup services online. If you make a non-specific search for cell phone directories online, then the results will bring up both paid as well as free services. So if you are not willing to pay for looking up the cell phone numbers than you need to specifically search for free online cell phone directory. If you are asked to share your credit card or other financial information online on websites that lookup cell phone numbers, it is always a good idea to stay away from these. A lot of the times these websites are unreliable and sharing your financial and personal details can put you at a risk. And most of the times, these websites will have the same information as the free cell phone lookup websites. The information that such paid service websites offer can easily be dug up online. Now if any of these free resources do not seem to help you and you really need to know perform a cell phone lookup, then you should always check the authenticity of the website that is asking you to pay for the information. One of the best ways to do so is to check whether their contact number and email ID mentioned on the site are correct and responsive.