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Life insurance is an important component of financial planning. Unfortunately, finding the right product and price is a daunting task, especially with so many options available. From picking the right terms to understanding the clauses, there is a lot for you to sift through when you first get started. Therefore, consider some of these tips for buying life insurance to make sure you pick the right policy for you.
Consider Your Needs
Only you can understand your financial situation. Therefore, only you can decide how much life insurance you need – not the broker. You can estimate your coverage by adding your debt together, funeral costs and at least six months of your income and expenses. This total is your minimum coverage required if you choose to purchase life insurance.
Talk to a Broker
Brokers have access to a wide variety of life insurance products and services. They can offer advice and even different options so that you can choose the right life insurance policy for you. You should use an independent broker so that you are not pushed by a broker on a life insurance policy because it is the only policy their company offers.
Avoid One-Meeting Recommends
After you meet with your broker, you should have a secondary meeting to come up with life insurance options. If your broker comes up with options at your meeting, they are not getting to know you on a personal enough level to recommend life insurance. Brokers who are serious about life insurance will use the initial appointment to get to know their clients so that they can research and find the best polices for them and present them at a second meeting.
Insurance is For Protection Only
If your broker tells you that life insurance is an investment r offers policies that have a combined investment factor, back away. Life insurance at its most basic level is for protection only – not an investment. Therefore, policies should be for protecting your loved ones and your estate and not be for investing.
Comparison Shop with Similar Products
When you comparison shop, it is only effective if you are comparing similar products. While some online tools compare similar life insurance policies side-by-side, others require you to read the fine print. So, make sure you read the terms, monthly or annual premium amounts, exclusions and rules to ensure that you are comparing two similar life insurance policies – even if they are provided by a broker.
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When anyone is asked to think of mattresses and like products, they don’t really consider the science behind it. To be fair, a basic box spring, mattress topper, or pillow seems pretty simple, but there are some products that have technological advances which set them apart from the rest. Take Memory Foam products, for example. They have an interesting backstory, having originated in NASA testing labs, and have gone through a lot to be developed and produced for everyday consumers. Currently, Memory Foam pillows are some of the most popular on the market, and are proving to offer results that are unrivaled by the alternatives.
The History of Memory Foam
Memory Foam was developed by NASA engineers in 1966 for G-Force pressure relief on the space shuttles and to improve the safety of aircraft cushions. Memory Foam succeeds in relieving 87% of gravitational force, alleviating that pressure from the neck, spine, and hips. In the 1980s, NASA released the rights for Memory Foam to the public and Memory Foam was developed for commercial use.
Since Memory Foam was made available to the public, manufacturers figured out ways to produce it at low costs in order to make it accessible to a large market. It has also found its way into hospitals and recovery centers, especially in cases where patients are confined to their beds for long periods of time. Memory Foam is able to eliminate most problems that these kinds of patients experience with other mattresses– such as bed sores and poor circulation– over an extended period of time.
What Sets Memory Foam Apart From The Rest
Memory Foam is characteristically denser and more supportive than other foam mattresses, mattress toppers, and pillows. Its super dense cell structure, comprised of spherical cells, makes it reactive to body heat and weight, which allows it to form around the shape of the body and deliver maximum support. Because of this extra support, Memory Foam has been found to alleviate pain in the shoulders, neck, joints, hips, back, and more. It is also able to provide healthier sleep for many users and help relieve snoring, insomnia, sleep apnea, and many more sleeping disorders. The higher density foam products, which will be the most comfortable and long lasting, are going to be the best product available.
The amount of research that went into developing and manufacturing Memory Foam products has paid off in quality, affordable mattresses which have an array benefits. Memory Foam has been known to help people get to sleep fast, stay asleep, and have healthier sleep that offers more energy throughout the day. Using a Memory Foam mattress can help prevent and alleviate pains in the back, shoulders, spine, joints, knees, and more, and can offer relief for sleep disorders like sleep apnea, snoring, insomnia, bruxism, fibrositis syndrome, rheumatic pain modulation, and sleepwalking.