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Archive for September 3rd, 2010

How To Get Life Insurance If You Don’t Qualify

Friday, September 3rd, 2010

Are you 50 years of age or older?  Do you have a preexisting health condition like diabetes,  high cholesterol, or heart problems?  If so you may have realized how hard it might be to get affordable life insurance for elderly people.

However their is a solution to this problem and that is the AARP life insurance for elderly program.  This program offers several different life insurance options that you may qualify for.  One in particular is the Guaranteed Acceptance Life Insurance Policy by New York Life.

This policy offers up to $15,000 worth of coverage guaranteed.  You cannot be turned down at all.  In fact you don’t even have to answer any medical questions and you don’t even have to do any medical test either.

You might think rates for a policy like this could be very expensive but they are actually very reasonable.  In fact a 50 year old man can get a $15,000 death benefit for right around $67 a month.  However it doesn’t stop their.

You can keep the policy for the rest of your life and the premiums will never increase at all.  However you can only apply up till the age of 80. On top of that if you have the policy at age 95 yet the policy will be considered paid in full and you will not longer have to pay anymore premiums payments.

Finally, their are a few down sides to this policy.  If you commit suicide at anytime of owning this policy you will not be covered.  However this is a normal exclusion included in almost all life insurance contracts.

The second problem is that this policy will not cover you if you die from natural causes within the first two years.  Instead you will receive a depreciated amount if you pass away before the two year rule is up.

The reason this policy carries this rule is because they want to prevent people from taking advantage of this policy by signing up for it when they might only have a few months or days to live.

In the end you have to consider the good and the bad when it comes to a policy like this but at least you do have an option to buy life insurance if you do need it.

Tags: aarp life insurance for the elderly, affordable life insurance for elderly, have a preexisting health condition
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Compact mirror – A lady’s best gift

Friday, September 3rd, 2010

If truth be told, choosing a gift for somebody who is special or close to one is a task that could not be said to be easy. This becomes even more difficult if the intended recipient is a woman, maybe ones partner, sister, daughter or even a friend. This is where the compact mirror comes in. Women are known to love delicate, trendy and portable gifts. This compact mirror gift could be beautifully wrapped or put in specially designed cases or boxes that would make them look more elegant and chic. It is a gift that would take more than forever to be forgotten and is more appreciated because women would always want to have a look at their beautiful faces and apply make ups every now and then if the need be and the compact mirror comes in handy in this instance.

One thing that makes compact mirrors unique is their size, which makes it possible for them to fit easily into ladies handbags and purses. If one is considering getting a special gift for that special woman, then the compact mirror is a very good option because it can be authoritatively said to be a womans second best friend. A compact mirror that is beautifully designed with silver frame is a perfect gift for a woman especially on her birthday it becomes even more unique if one goes the extra mile of having her name and date of birth engraved conspicuously on the frame.

This type of mirror comes in varied designs, shapes, textures and shades. They also come enclosed in frames with pearl or silver linings and some come with surfaces that are laser engraved which makes them breathtakingly beautiful. There are others that come in a set of two mirrors. It is all a matter of ones budget and choice. Whatever one chooses can easily be purchased from the retail stores or online.

Tags: compact mirror gift, compact mirrors, fits easily into ladies handbags and purses
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