Senior Life Insurance – A Time of Decision

You may be becoming close to retirement years, paid all your dues, protected and provided for your family and now you find out your employer life insurance plan will not convert over with you as part of your retirement package. Wow! What do I do now? Yes, if this is your situation you are just one of many individuals now needing Senior Life Insurance.Questions may be racing through your head like… • Can I even get coverage at my age?• How difficult is it to get life insurance for seniors?• Is senior insurance expensive?• How much senior life insurance would I qualify for?These are all good questions. However, before we go any further let us take a deep breath and first of all know that everything will be OK. I will try to provide as much help as possible throughout this article.Can I get Coverage at my Age?Although you are aging it does not mean that you are necessarily ready to give up the ghost. Life expectancy has increased over the last few decades and today’s eighty year old is comparable to person age sixty just two or three decades ago. No one understands this better than life ins. companies as they set senior life insurance rates for their consumer. Although some companies set limits on the length of term life plans as you age, permanent senior life insurance is readily available up to the age of 85.How Difficult Is It to Get Life Insurance for Seniors?There are many different types of policies available with different degrees of access or availability based on current health conditions. With hundreds of different companies selling senior life insurance, I would highly recommend working with a life ins. broker who has many companies and options to choose from. If your need is for a small final expense policy there are many companies who have guaranteed issue approvals or limited underwriting approval policy’s. If you need elderly life insurance for estate planning purposes a medical exam would be required with possibly a recently completed physical. If you have a need death protection insurance do not let the unknown deter you from your inquiry. The application process by state law comes at no cost and any medical exam ordered from the carrier is at no cost to the applicant. If you are under 85 years old, the majority of the time, you can get life benefits through insurance.Is Senior Life Insurance Expensive?In my mind, I feel everything today is expensive. If you can’t tell, I have now joined the senior ranks myself. With that said, as we all become seniors our perspective and purpose in life changes. Hopefully, your kids are raised, your home is mostly paid for and your debt is minimal. If this is your situation you probably have more disposable income to meet a life ins. obligation or needs. It would be disingenuous for me to say life insurance for a seniors is less expensive today than when you were 40 years old. Probability of a death increases with age and therefore cost of insurance is more per thousand of coverage. However, your need for life ins. protection should not be as great as you have accumulated assets to help the family sustain themselves in the event of ones passing.How Much Senior Life Insurance Would I Qualify For?Unless you are using the insurance as an estate planning vehicle there are guidelines used by carriers to determine the maximum amount of life coverage that can be purchased. These guidelines are based on current income to include wages, social security, annuity, pensions, rental income, IRA distributions and all other income. The normal ratios are:Ages Income Multiple (Earnings)55-59 10-12×60-64 8-10×65 and Over 6xThe carriers want to protect themselves from over insuring the senior. They base the amount of coverage on the earnings they bring into their household. This maintains a balance between risk to the portfolio of the carriers and economic viability to the insured.The need for senior life insurance is increasing everyday as our population ages. Decisions are not easy for elderly life protection as retirement approaches and the outlook of fixed incomes are inevitable. Whatever your situation may be find confidence in someone who will understand your situation and get advice. Calling a Life Broker can give you peace of mind in knowing all your options. Do not fret if one carrier does not have a plan that fits your needs, an life broker has many companies. Find a caring agent/broker as they can mean all the difference in the world.

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Digital Photography Smarts – Learning the Basics of Getting the Most Out of Taking Pictures

Digital photography has officially become the primary way the world captures pictures.With cameras being included in everything from cell phones, to laptops, from handheld game players to ‘spy’ watches people are now able to take pictures more easily than ever.Of course, we still have the standard handheld digital photography camera, but the options of colors, features, size and shape seem to be unlimited. Whether you’re shopping in department stores or online stores, you always find a wide selection of digital cameras. For this reason, making a selection can be a difficult and confusing task. Each camera has its own special selling points so to make your search easier and quicker you need to decide how you want to use your camera.For some, digital photography is simply a fun and easy hobby. Since most cameras allow people to view their pictures almost immediately, either on their digital camera’s display panel or by sending the pictures onto a computer, making a hobby of taking digital photos is one of the fastest growing past-times around.For others who have mastered the art, digital photography has become a way to earn income by working for news organizations, private companies, websites and through selling their photographs freelance. Mastering this art gets accomplished mainly by how much time a person is willing to commit to learning how to use a camera to get the best possible picture.Maybe you already have a digital camera and you just want to know how to get the most out of it. Maybe you are a person who wants the most cutting edge equipment and are willing to pay top dollar for it. Either way the most important question to keep in mind is “What kind of pictures do I want to take most?”When you’ve answered this question you’ll be prepared to direct your energies properly to learning the right things for make your digital photography successful. If you are totally new to taking digital photographs and don’t yet know what types of pictures you want to take then it’s always okay to experiment. Take some pictures of family & friends. Take pet pictures. Take pictures around the house or in your yard. Take pictures close up of flowers and small items that interest you. As you experiment like this and review your pictures you will begin to get a feel for what kind of pictures you’d like to get better at taking.Don’t be surprised if after experimenting you discover that your current camera may need some ‘upgrades’ or that you may need a whole new camera to get the quality of digital photographs you want. Most people start with a digital camera that belongs to family or was given to them as a gift. Sometimes that equipment can do everything you need. But some people may require specific equipment that allows them, for example, to take night pictures, pictures from a far distance, underwater pictures or even super clear, high definition pictures.When looking for the right digital camera be sure to take your time and review all the options of each camera you’re interested in. Just like buying a car, you have to consider every feature since you will want it to work well and you want to keep for a long time.Here are 3 important tips to remember when looking for a digital camera.1. Cost – How much are you going to pay?Lets say, you just saw you friend with a Sony NEX-5 and it’s exactly the what you. But are you ready to pay hefty price tag to get it?Obviously coast is a primary factor in considering what camera to buy. Just because you’ve found the camera with all the features you want doesn’t mean you’re ready to buy it. But don’t let that keep you from doing your research. Also consider that websites like and often have those high priced items at great discounts. Sometimes someone gets a camera as a gift or has an extra that they want to sell quickly. Many people find great deals on the exact camera they want at these sites. Just remember to read the item description thoroughly and check the seller’s feedback history to ensure a positive purchase transaction.But don’t lose hope; it is possible to get a great, inexpensive digital camera that meets all your needs. As long as you as you have a good idea what kind of pictures you want to take, you’ll discover that finding a bargain is much easier.2. Purpose – Is your photography for business or pleasure?As I’ve mentioned above, you need to determine what kind of pictures you want to take with your digital camera. Maybe it’s just for fun, maybe it’s for your work, either way when you know for sure it makes finding the right camera so much easier and you’ll be much happier with the camera you decide to buy.Researching features becomes a simpler task when you have a purpose in mind. If you intend to keep your camera handy for family gatherings, parties and photos of friends then features like automatic focus, and automatic flash may serve you best. If you are taking pictures at sporting events, high speed vehicles or action you may want a camera with adjustable shutter speed settings to capture crisp clear shots of things in motion.Whatever your purpose make sure to keep it in focus when looking for features in a new digital camera.3. Durability – Making sure you camera will last.Although you can find some very inexpensive digital cameras your purchase is still a valuable investment. Therefore you want o make sure that you purchase a solid durable camera. Many camera’s have metal or plastic bodies. Plastic is lighter but can more easily crack if dropped.After purchasing your digital camera you may want to buy some accessories, like a carrying case, to protect it from scratches and damage. It is best however to get one that is known to have a good quality and durability.Reading reviews from current and previous owners of the camera you are going to buy is a great way to find out how reliable and durable your camera will be. Many websites offer reviews of cameras by owners. You can find good reviews through Google by typing in the model and make of the camera you’re interested in and then the word “review”. This often produces several sites with reviews by owners of the camera you’re researching.Hopefully these tips will help you get started in your adventure into the world of digital photography. Remember to give some time to thinking about what kind of photography you want to do. Research the features you’ll need in a digital camera to get the best results and then use sites like Google to search and eBay and Amazon to find great deals on your camera and accessories.

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