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What to do with your retirement time?
Travel? Home Projects? Games? Read? Volunteer?
How about investing&in the future of our planet, and your grandchildren?
I stumbled upon a great site called Greenseniors.
Green Seniors is based on the belief that there are thousands of people in the world who care about the natural environment, have some time to spare, and want to do something to try and fix the problems that we have created.
Go take a look and see if you cant contribute some time and/or money to this noble cause. If youre hesitating, ask yourself whether your grandparents would have done the same for you if they knew what to do way back when? You know the answer, dont you?
If youre looking for extra funds to help out Greenseniors, or perhaps yourself and your family, come take a look at what we have to offer in terms of no cost immediate annuities that pays you monthly for life. Thats right. No cost immediate annuities and life insurance for seniors at a mere pittance, too.
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Should you worry about the financial meltdown if you are an AIG policy holder? An 85 Billion dollar bet tells us not to worry. We dont think youre at risk because of a few important issues:
1-According to Business Week, each individual insurance unit of AIG is regulated separately, essentially creating walls between each part of the company. Regulators require that each subsidiary has the resources to cover any potential claims.
2-Even if there was a problem with these units, the The National Association of Insurance Commissioners said if needed, regulators would step in and ensure policyholders are protected. These funds are in place in all states.
3-If AIG were declared insolvent, which is a worst case scenario, individual and corporate policyholders would be protected by state guarantee funds, said Bob Hunter, who runs the insurance group for the Consumer Federation of America; and Barbara Cox, vice president of legal and regulatory affairs for the National Conference of Insurance Guaranty Funds.
4-Policyholders are in line before banks and other creditors to get money from an asset sell-off.
Bear in mind that AIG is a holding company, a federally regulated legal entity that is separate from the insurance companies it owns.
As a side note, individual taxpayers of each state would not be taxed higher due to the fact that guarantee funds are not funded with public dollars.
Sit tight right now and dont panic; do not let your senior life insurance policies lapse. Do you think it is a breeze to replace your life insurance at age 80?
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Whew. Were all getting older&each and every day. Why not get wiser, too, or at least stay with it.
We seniors (yes, me too) now have a plethora of ways to connect with others and remain as independent as we want, and the future looks very bright indeed.
From iPods to the Jitterbug clamshell phone with its extra large buttons, amplified cell phones, the autos being built green and yes, with extra large knobs, to the LCD touch screens to control every electronic device in our home, including programmable step ladders, and fingerprint scanned home entry, weve come a long way.
Read Eric Taubs wonderful NY Times senior technology article for more details.
Remember that all this technology costs money and plan accordingly, and speaking of money, how about protecting your family with senior life insurance or an immediate annuity paying monthly income for zero or minimal cost?
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Todays Seniors have a vast array of websites that cater to the your growing market, from senior travel, senior fashion, senior experiences. Why not join some of these interactive groups and share experiences, thoughts, ideas? Try Eons or Gather or About for Seniors for an interactive experience or if your family has cancer issues, try the support system at Cancer Survivors Network.
There are an endless array of senior sites and blogs available. Try a search on Google Blog Search for the term Seniors , or use Google to obtain news articles through Google News, or even use Google to find senior forums , where you can participate and ask and answer questions on a myriad of topics. Get involved and keep your mind active. Its fun!
And, while youre at it, come see how you can obtain monthly income through immediate annuities or life insurance for seniors with no cash or collateral required at Immediate Annuities.
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I thought that all of you might find this interesting&.
11 Most Nonsensical Reasons for Not Having Life Insurance
By Jonathan Pond
11) ?I can?t afford the premium on the amount of coverage I need.?
Pond: There?s no doubt the economy is putting a strain on all of us these days, but you?d be surprised how little a term policy costs. A 20-year, $500,000 policy may cost about a dollar a day. Surely you?d agree your family is worth such a small sacrifice.
10) ?I?m single. I don?t need any life insurance.?
Pond: OK, but there are many other situations that require life insurance. Do you own a small business, and would your business make it if something happened to you? Are marriage and children on the horizon? Are you or may you become a caretaker of a loved one? More people rely on you than you think.
9) ?Life insurance is for families. We have no kids, so we don?t need any life insurance beyond what our employers offer.?
Pond: I cringe when I hear that one. Besides the fact that insurance offered by employers is almost always inadequate, having no kids does not mean you don?t have people relying on you, as mentioned above. Think about it: Could your spouse pay the mortgage if you died? That?s just one of many examples of why you need a policy.
?I?ll wait for an insurance agent to contact me.?
Pond: Terrific. Oh by the way, will that solicitation come before or after you pass away and leave your family?s future in jeopardy?
7) ?Look, I started with nothing. Now I own a home, have some retirement savings, and my family wants for nothing. If I die, they?ll have a much bigger head start than I had.?
Pond: They?ll also have a lot more debt than you ever had. The cost of living keeps going up, and the mortgage payments and tuition bills won?t go away, even if you do.
6) ?I?m in lousy shape. Why go through the effort of applying for a policy only to be rejected.?
Pond: This isn?t true. Insurers offer a variety of rate levels for every waistline. However, the better your physical condition, the lower your rate will be. So start making positive lifestyle changes now, not only for your policy but also your long-term health.
5) ?I?ve already got plenty of life insurance coverage. If I die, my family will be rich.?
Pond: You may want to double-check. A 2007 LIMRA (Life Insurance and Market Research Association) study revealed that most Americans are underinsured. Make sure you?re not one of these people by calling a life insurance expert today.
4) ?I?ve got great genes. My ancestors lived a long time, so I?ll live a long time.?
Pond: This one is frightening. The only thing for sure in life is that nothing is for sure. Look no further than Tedy Bruschi of the New England Patriots, who now is also an SBLI spokesperson. Just days after completing a championship season, he almost died of a stroke at 31.
3) ?I?ll wait until I get older.?
Pond: Not only does this jeopardize your family by leaving them unprotected, it?s a terrible financial decision. While it?s never too late to buy insurance, the younger you are, the lower your rate will be.
2) ?I don?t want some stranger coming to my house for an insurance physical. Anyway, I?m afraid of needles.?
Pond: These ?strangers? are trained, licensed medical professionals from reputable medical institutions. They are coming to you to make the life insurance purchasing process easier. If you don?t want them visiting your house, ask your life insurance professional to schedule an appointment at your office, a nearby clinic, or a hospital.
1) ?I?m too busy now to be bothered with life insurance, but it?s on my ?to do? list.?
Pond: Too busy to protect your family? Now that?s nonsense!
These are just 11 nonsensical reasons not to buy life insurance. For more, or to get some free no-nonsense advice on how to protect your family?s future with low-cost, dependable life insurance, visit SBLI.com or call 1-888-GET-SBLI.
Pond, known as Americas Financial Planner simplifies all things financial and discusses topics from annuities to zero coupon bonds in plain English. With Emmy award, critically-acclaimed television specials, newsletters and best-selling books, Ponds work in educating the public on financial matters has been far-reaching and widely recognized. He is widely sought as an objective and entertaining observer of the investing and personal financial planning scenes and has made regular national appearances on all of the network and cable television stations, including regular segments on CNN and over 50 appearances on NBCs Today Show.
So, for all of you baby boomer procrastinators who have read this far, GET LIFE INSURANCE NOW! For you seniors who are considering protecting your estate or family at minimal or no cost at all, or want to find out how you can qualify for completely no cost immediate annuities, come by and visit us at Life Insurance for Seniors.
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I came across this article describing the next generation of airline cost cutting. My initial reaction was outrage, but now I have to laugh at the absurdity of its madness. Next up will be airplanes with a roulette game for the few life preservers they supply, one pilot only and a flight manual for passengers in case of emergency, and recycled airline toilet water for drinking (bottled, of course). Make up your own list!
Is there no end to the madness?
If you have no life insurance, you should certainly consider life insurance for seniors now.
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Ok, I know. Its work. But do you want to live or exist? The choice is yours, of course, but every study shows the value of regular exercise for all of us.
In a recent article by USA Today, one WMCA director was quoted as saying:
Seniors who exercise often dont need to go to the doctor as much. They can come here and spend time with their peers, and then they feel better able to do things like grocery shop for themselves. Theyre also more committed to the program because they realize how precious their quality of life is.
The benefits of exercise are way too numerous to mention, one of which, however is the ability to obtain senior life insurance!
Please. Dont take your health for granted. Although I have no financial interest, may I refer you to Life Extension Foundation. You will be glad I sent you there!
There are endless opportunities to improve your health, increase your longevity, and provide for your loved ones all in one swoop. Take advantage while you can.
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Todays seniors have a multitude of financial opportunities when it comes to life insurance. Theres the concept of premium financing to obtain insurance, and the life settlements market to sell an unwanted policy.
Did you know, though, that a senior can obtain a loan if they want to keep the policy but require some emergency funds? An easy solution is to is to borrow against the policy. The senior must approach the life insurance issuer and clearly state the financial need for the funds. The loan amount is usually determined as a percentage of the policy face value, but every issuer has its own rules and regulations.
A fixed period of time is scheduled for loan repayment, typically in monthly installments. During this period of the outstanding loan, the policy remains the owner?s asset, as long as loan repayments are on schedule. If the insured passes on during this time frame, the loan is paid back from the death benefit.
For those who are looking for extra cash to fulfill certain needs this may be an alternative, or they could utilize the revolutionary no cost immediate annuities program providing income for life to qualified seniors.
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Ah. You seniors.
Life insurance. Who needs it? Should you obtain life insurance?
Well, theres no income issues per se, nor are there typically business concerns for the senior. There is a major concern for wealthy seniors, however, and that is Estate Taxation.
If you have an estate in excess of $2,000,000 in 2008, and you pass on, your estate will be taxed at a 45% rate on everything above the $2,000,000. So, as an easy example, suppose your estate is $10,000,000. $10,000,000 minus your $2,000,000 exclusion equal $8,000,000. Tax on the $8,000,000 at 45% is $3,600,000!!!! Now that you are sick to your stomach, there is a way to pay for this with little or no financial outlay.
Premium financing gives the senior the opportunity to have someone else finance the sometimes onerous yearly premium payments for them. Thats right. With a pittance, or nothing out of pocket, the senior can obtain life insurance. Wouldnt it be great if your family could use the life insurance proceeds to pay that $3,600,000 in estate taxes in the example above?
Well, it is being accomplished by savvy seniors right now, and its really a simple process. Feel free to visit our sister site Life Insurance For Seniors to find out how, and also learn about immediate annuities with no cash outlay at all.
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