For every year that you've consistently paid your premiums, all types of traditional life insurance might have been accruing cash value--money you might be able to access while you're still alive. This includes whole, universal, and in some cases term life insurance. As a policyholder, you can choos

You may be considering canceling your life insurance policy for reasons such as reaching retirement age and no longer needing the coverage or as a way to obtain needed cash. Depending on the circumstances, you may receive some cash when you cancel, or possibly none at all. Viable alternatives to can

Permanent life insurance is one of two general types of life insurance. The most common types of permanent life insurance are whole life, universal life and variable life. Although there are differences among permanent life policies, all permanent products share several features. Understanding the b

Understand the dangers of premium-financed insurance before you purchase insurance this way.finance image by Christopher Hall from Fotolia.comPremium financing is a method of purchasing insurance using borrowed funds. These funds normally come from a bank, and the loan is coordinated with...

A 401k is an employer-sponsored retirement plan. Often, your employer will match your 401k contributions up to a specific percentage. If you've been contributing to your 401k, you might be able to borrow from it, depending on the policies of your employer and your 401k company. If you can borrow aga

A life insurance company has to manage the risk of insuring a person's life. If the person takes out a policy and dies the next day, this represents a significant liability to the insurance company. But, insurers also understand that people can suffer from a variety of health problems, so they creat

A beneficiary on an insurance policy is the person you designate to take the proceeds of the policy when you die. This person is normally a family member, but may also be a business partner, if the insurance was purchased in a business context. In either case, you may want to know the process for ch

For your insurance to be effective and to remain in force, you need to honestly answer any and all the questions your insurance company asks when applying for homeowner's insurance. If your insurance provider asks you whether you own a dog and what the breed and type of kind of dog you own, you are

Quality control managers are production control managers who are responsible for ensuring the consistency of output within industrial and manufacturing companies. They analyze materials and processes to make sure they are of the highest standards and operate at maximum efficiency and cost-effective

Autopsy pathologists, also known as forensic pathologists, are medical professionals who determine how someone died. They are often used when there is a sudden or unexpected death to determine if there is foul play or suicide involved. Those thinking of entering the medical profession who find thems

The dental hygienist may be the person who spends the most time with dental patients, taking an oral history, performing cleanings, scheduling appointments, testing for cavities and preparing the patient for the dentist's arrival. While most people consider going to the dentist a dreaded activity, t

A urologist is a physician who specializes in the diagnosis and treatment of diseases of the genitourinary organs and tract. They use a variety of technical procedures such as x-rays and fluroscope to analyze afflictions of the urinary tract, the reproductive organs and sometimes the prostate and ki

Living wills are legal documents that allow a person to explain their healthcare desires about specific treatments or care in the event the person is unable to communicate. Arizona law gives people the right to use these documents as long as they are capable of making decisions about healthcare and

If you think you might need more life insurance, you're probably right. Using a needs analysis and finding out what your options are through your employer or with your current life insurance coverage can give you some options. Consider the costs and what will be required to qualify for a new policy.

Picking a name for your business ranks high in critical importance, along with drawing up a business plan and launching your first advertising campaign. A business name identifies your company and helps forge that first connection between your company and your customers. When you're trying to craf

Of late, the way of doing business has been improvised by the advent of internet when they use this resource to safe their customers . Now the companies around the world use the power of ...

Retirement to a warmer place or closer to your family and friends is one of the most cherished opportunities that many people look forward to doing. It doesn't come without a price, however. One factor that makes moving after retirement a bit difficult is the need for retirement health insurance cov

According to the Social Security Administration, three out of 10 workers will become disabled before retirement. Are you prepared for the financial repercussions of becoming disabled? Unless you have a hefty nest egg that you can use to pay your mortgage and other regular financial obligations, it m

If you use your credit card often, you can rack up airline miles you can use to get free trips, free upgrades and other travel perks. But before you sign up for an airline card you should first take a look at your options. There is a lot of competition in this arena, and you can use that competition

Insurance policies create income to protect an individual from financial hardship in the event of a stated catastrophic event. Although insurance policies range from health, property-casualty, disability and life insurance, their life cycles are similar.