Life Insurance Blog

Preparing For Your Term Life Insurance Medical Exam

One of the most important aspects when applying for term life insurance is the medical exam. Generally, this medical exam is a short procedure at the most 20 to 30 minutes and will involve a review of your medical history as well as checking your height and weight, blood pressure and pulse reading. Blood and urine samples are required and in some instances an electrocardiogram (EKG) or other additional tests may be required (if this is required, you might need to schedule in another 30 minutes to the exam).

Though it may all sound stressful, preparing for a term life insurance medical exam preparation is all a matter of common sense and easy pointers to follow.

A week before your exam -
Avoid sugary, salty and fatty foods. Stick to a healthy diet rich in fresh vegetables and fruit.Three days before your exam -
To avoid liver enzymes count increasing, avoid all alcohol products for 72 hours before your medical exam.One day before your exam -
Stay away from products containing caffeine as this will elevate blood pressure.
Unless specified by your doctor, avoid any over the counter medication such as nasal decongestants or pain medication such as aspirin, acetaminophen and ibuprofen.
Avoid exercise such as jogging, swimming, or weight lifting as this might raise the protein in the urine.
You will need to fast 8 to 10 hours before your medical exam. Do not eat or drink anything except for water until the exam is over.
Get a good night’s sleep.On the morning of your exam
Drink water to facilitate obtaining the required urine sample.
Do not eat or drink anything besides water the morning of your exam
Do not smoke or chew tobacco (in fact for 24 hours prior to the exam).
Have the numbers and addresses of your doctors on hand for easy reference.
Wear a shirt with short sleeves or those that can be rolled up to make the testing of blood pressure easier.
Try and schedule your exam for first thing in the morning.The above pointers should help you get the best possible results from your exam. In addition to the medical tests, the doctor or paramedic will ask you a number of questions about your medical history and past treatments and surgeries. You will also need to give the names and contacts of your family physician or the doctors who have treated you. Also required will be a list of your current medication (including non-prescription drugs).

By being prepared for your term life insurance medical exam, you may be able to avoid any unexpected results that will increase your premium rates and move you into another insurance rate category than the one you applied for. Follow the above tips for the best results and to qualify for the most affordable term life insurance policy.

The Master Number Life Path 11

Many numbers in numerology have their own meaning but the number 11 is considered as a master number. Many well known people have this number because of its great potential and positive meaning. But every positive potentials have also negative attributes, it could also be very problematic and a lot of challenges you can meet in the road of life. But You don’t have to worry because overcoming the challenges is in the number 11 Life Path, but you have to work on it to overcome the challenges and let your life path be your guide in in getting your dreams and aspirations in life.

Mike Madigan is a numerologist and he helps people learn more regarding their Life Paths and other numerology details. To learn more about your numerology numerology profile, you could head to

Master numbers like an 11 should not be computed any further than it already has. On their own, they signify a double vibration of a particular number. Two of the most vital numbers in numerology are 11 and 22. If you have a Life Path 11, you can be extremely inspiring. People may aim to be who you are and you could also inspire them to improve their lives.

Inventiveness is one of the most significant specifications of a Life Path 11. Success could also be extremely easy for individuals with this number and they may find success in most of the ventures they take on. They can make a really distinguished contribution to the world by being counselors and by being motivators. They also can work in politics and they could make extremely good motivational speakers.

Challenges for the Life Path 11 could also be numerous. Even though it is not calculated to a 2, the number might still affect a person’s life. Problems can include having a potential for being depressed and for having loads of nervous energy. Relationships can prove to be a problem to maintain and individuals with this number might have a difficulty making decisions. There is also a extremely big chance that individuals who have this number are going to be more dreamers than they are doers in life. It may also be extremely common to encounter and harbor disappointments in life.

If you have Your Life Path of 11, you have to take it for its positives, but you should also not forget to pay attention to the probable challenges that you can face. Some prominent individuals who have made the best of the life path include Barack Obama, Prince Charles Windsor, Ronal Reagan, Bill Clinton, and Tony Blair. You can go to to learn more concerning Mike Madigan and the different numbers in your profile.


Visit for more information about the topic and other interesting topics like interpreting destiny number and interpreting life path number.

What is Whole Life Insurance and Where Can You Get the Best Rates

If you’re in the market for both life insurance and a long term investment, a whole life policy might be the answer you’re looking for. What is whole life insurance? It’s life insurance that both protects your family and builds up a tax-deferred savings account.

Advantages of Whole Life Insurance

When you buy whole life policy, part of your premium pays for the policy and the rest is invested by your insurer. The advantages of this type of policy include:

* No expiration date. As long as you continue paying the premium, your family will be protected in case of your death.

* No premium increases as you get older.

* The longer you hold the policy, the more your cash value account grows.

* If you decide you no longer need your policy, you can cancel or surrender it and still receive the cash value you’ve built up.

* You can borrow against the cash value you’ve built up.

* You can earn dividends on your investment.

* Your cash value account grows tax-deferred.

Finding the Best Rate

You need to comparison shop to make sure you’re getting the best rates. To find a cheap rate go to an insurance comparison website and fill out a simple online application. This application will ask you questions such as how much insurance you want to buy and what your age and occupation are.

Once you submit the application you’ll begin to receive quotes from multiple A-rated companies. You can review those quotes at your leisure and choose the one that’s best for you.

If you have questions, the best insurance comparison websites have a chat feature so you can talk to insurance professionals online and get answers to any questions you may have (see link below).

Visit or click on the following link to get whole life insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on what whole life insurance is and where to get the best rates.

Discovery Medical Aid Options in South Africa

South Africa has one of the most progressive private medical aid industries in the world thanks to a range of options and scheme operators, such as Discovery Health, that are available to clients within the country. It is important that anyone thinking of taking out medical insurance be aware of these medical aid options:

Know your Discovery Medical Aid Options Every medical scheme in South Africa must provide a wide range of options to its members that cover a very specific range of benefits. Each individual option must have its own monthly premiums specific to that medical plan that need to be paid by medical aid members who have agreed by contract to be part of that plan. Discovery does this and so much more with its medical aid plans on offer.

Each medical aid scheme in South Africa, no matter how big or small, needs to be individually registered by the South African Registrar of Medical Schemes. This is punishable by law under the Medical Schemes Act if not adhered to. Discovery has always adhered to this law and is one of the vocal supporters of this legislation.

Currently Discovery Health is one of the fastest growing medical aid schemes in South Africa. This is thanks to the very wide spectrum of medical aid options that they bring to the healthcare market in the country. Every January medical aid members who belong to a Discovery Healthcare plan are entitled to upgrade or downgrade their medical aid option as they, the client see fit. This either gives them access to more or increased options within their plan, or puts them into a less expensive bracket with more affordable health benefit options.

Due to the strict regulations that control the medical aid industry in South Africa it is possible to find out which medical aid option best suits your pocket before any changes become current. This is because the South African medical aid is compelled by law to report any future changes to a medical aid plan in a timeous and transparent manner.

Did you know? Discovery Health has a product unique to the industry called Vitality Life. This product can be linked to all of a clients Discovery operated insurance options (including life insurance) and serves as both a financial and health support structure. This support grants substantial life insurance policy discounts to its clients if they adhere to a strict set of health regimens such as a complete ban on smoking.

The author is a Discovery medical aid insurance broker and social blogger who works in the medical insurance industry in South Africa.

The Whole of Life Insurance – Which One Works Best For You

You have read about whole life insurance extensively, and hopefully the concept makes much more sense to you than it did before. But why purchase life insurance at all? This article will discuss the whole of life insurance and explain how important having the right policy can be for your family.

Life insurance offers essential protection for your family. If you die, your family will no longer have your income for paying the bills and covering household expenses. This can be an especially devastating prospect if you are the primary income provider in your family.

Often, policies also offer owners the ability to purchase additional insurance that covers accidental death or dismemberment (ADD). These ADD riders offer critical income support if you become permanently disabled and can no longer work. This will allow you and your family to maintain the same standard of living.

There are several different types of policies. These include term, whole life, variable, and universal policies. Each of these has different benefits and disadvantages, so consider carefully before choosing the one that’s right for you.

If purchasing life insurance still doesn’t make sense to you, consider the cost of even a small funeral. You can expect to pay approximately $7,000 to $10,000 to bury a loved one. This cost includes burial, coffin, and mortician fees.

Add these fees to the cost of even the first year your family will be forced to meet living expenses without your salary. Furthermore, even if you have significant financial resources, you may be prevented from accessing them because of probate issues.

The average estate requires approximately one year to settle. Therefore, if you have bank accounts or investments that you don’t hold mutually with your spouse, he or she may not be able to access them for at least a year. Don’t allow your family to go through this financial hardship because you fail to plan.

The whole of life insurance is about much more than making an income off someone’s death. It offers essential protection that your family cannot afford to be without in the event that something happens to you. Don’t let your loved ones suffer through the agony of your death, only to learn that they won’t have enough money to meet necessary household expenses immediately after your death. Start planning today for your future – and theirs! You know they are worth it! is a website fully devoted to giving the very best information on whole life insurance and much more. Whether your looking for the whole of life insurance or you would like to know more about how affordable whole life insurance coverage is, we have you covered!

Philippine Prudential Life Affirms Partnership With Mayor Guia Gomez and San Juan City’s Pink Ladie

MANILA, Philippines, 13 January 2011 – Philippine Prudential Life Insurance Company, Inc. (PPLIC), the industry leader in innovation and growth, continues to enhance its on-going Corporate Social Responsibility (CSR) efforts through its continued partnership with San Juan City Mayor Guia G. Gomez and the Pink Ladies Foundation. The Pink Ladies Foundation is a non-government organization founded by Mayor Gomez in the 1960′s, which provides medical, educational and livelihood assistance to the women of San Juan. The partnership includes providing insurance coverage for the members of the foundation. Death claims of 3 members were awarded recently and were received personally by Mayor Gomez at her Office in San Juan City Hall.

-We are truly honored and proud to have this continued partnership with San Juan Mayor Guia Gomez and the Pink Ladies Foundation,- said PPLIC Senior Vice President Daniel Mercado III. -Being the insurance provider for a cause-oriented organization gives our company more drive to further enhance our products and services to better fit the different needs of its members,- he added.

Mayor Gomez noted the value of insurance. -Good planning and proper financial management by our members would be beneficial for future uncertainties,- she said. -During down times, insurance can be a financial life-saver. It provides protection for unanticipated expenses you couldn’t otherwise pay.-

The Honorable Guia Gomez receiving the three checks from Philippine Prudential Life Insurance executives Daniel Mercado III, Senior Vice President for Claims and Rodolfo C. Estrera, Assistant Vice President and Head of Corporate Communication. Allenmarie Alejo, Treasurer of the Pink Ladies Foundation, and PPLIC Agent Bobby Lapea.

Philippine Prudential Life Insurance Company, Inc. (PPLIC) is a leader in innovation and growth in the life insurance industry in the country. It is a reputable 100% Filipino-owned financial services company committed to providing the best financial advice and diversified and affordable products – such as endowment plans, whole life plans, group and permanent plans, healthcare coverage, educational and pension policies and Credit Life Insurance – to its valued clients through its multiple and accessible distribution channels.

Where To Go For Guaranteed Acceptance Life Insurance

Guaranteed acceptance life insurance is usually marketed towards the elderly and sick. There is no medical exam to take and therefore, in theory, everybody can qualify. What you need to remember though, is that guaranteed insurance usually has small face values, around $20,000, and are more like funeral policies. In this day and age, it is a good idea to look into getting a policy, even if it is for $20,000. There are many companies out there that offer policies. It can get quite daunting choosing your insurance policy, and is therefore a good idea to go through a broker. There are plenty of brokers that represent the different companies that offer these policies.

If you would like to deal with companies that only deal with guaranteed life insurance in a particular state, there are plenty of options. These brokers will only deal with the companies in specific states and therefore can offer insurance quotes. They even are able to help lower the costs on your premiums if you already have insurance.

They are also committed to offering their customers the best service possible. They have a team of insurance experts that know the ins and outs of the insurance industry. They also offer guaranteed acceptance policies to people who would otherwise not be able to get insurance. People with diabetes, high cholesterol, and high blood pressure are eligible for insurance.

There are also companies out there that will offer you more than just one insurance policy. These companies will be able to provide you with all types of insurance. From guaranteed acceptance to home insurance. They also provide information on the different types of insurance and even the pros and cons of each policy. Guaranteed acceptance life insurance policies can also be found at most insurance companies. Some companies are able offer life insurance for up to $50,000, even if you have a chronic illness or are elderly. They offer a simplistic approach to getting the quote that is right for you. They also offer the latest technology in order to get the most competitive quotes.

When you go for a company that offers guaranteed acceptance insurance, you are guaranteed a policy. This is great for people who do not qualify for other policies, due to illness and age. There are some cons to these policies though, like as the risks are high, your premiums every month will be higher than that of other life insurance policies. There is a waiting, or grace period for at least two years before the policy will pay out. Therefore you cannot take one out knowing you will die in a year.

It is important to look into the different policies available. Before selecting any company, make sure that you carefully read through the offered policies and also that you check out the reputation of the company that you are considering working with.

Things To Look For In Life Insurance

Buying mortgage life insurance is a good way to provide protection for your loved ones. Mortgage life insurance can give you peace of mind knowing that your family will be able to live in their home if something happened to you. This type of life insurance will pay your mortgage if you die before it is fully paid off.

If your life insurance needs change, consider getting a rider instead of purchasing an additional policy. A rider adds on to what you already have and typically does not cost as much money as getting another policy. This may not be true, however, if you are in very good health, so make sure to do your research.

Find the right type of life insurance policy for your needs. The three basic types are, whole life, term life and variable life. Whole life policies will be the most expensive, but they operate much like a savings account, meaning that you can use it as an asset in the future, if it hasnt been used.

Never pick a life insurance company without checking its rating first. There are many different grades that can be given to an insurance company based on their willingness to pay claims promptly and whether or not they have the proper financial backing to pay out the policies which they hold. Be sure you know the company you chose to pay for many years is one you can count on.

If you are considering purchasing life insurance you may want to look into possible coverage that is already offered by your employer. Its common for employers to offer basic life insurance plans at good rates for their employees. You should make sure that the coverage is adaquate for your needs and purchase supplemental policies if additional coverage is desired.

You have taken the first step to finding life insurance that is right for you by reading this article. Choosing to apply the tips in your journey towards the right company and policy will help ensure your future success. Dont let information overwhelm you, instead apply it where its due.

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Alcohol Consumption And Life Insurance – How It Can Affect You Today

Are you worried that your drinking habits might affect the cost of your life insurance? It is possible that you are right, and your insurance might be unaffordable if you seem to be at high risk of death. But just how much of a drinking problem is too much? What about casual drinkers? You might have a lot of questions regarding drinking alcohol and insurance, but rest assured, they can all be easily answered. Even your toughest questions about your personal situation all have easy answers.

It is a fact that simply being a heavy drinker will not cause you to have high life insurance rates. Most insurance providers do not have policies that have anything to do with your drinking habits. Your drinking habits are private, and they do not have to be revealed to your insurance company at all. But the real point of the matter is, how does your drinking affect your health? What insurance companies are really concerned about is if you are at risk of suffering an early death. If you are, they will want to raise the rate of your life insurance, usually to ridiculously unaffordable prices. Just what is the price of your life if you are at risk? That is for your insurance company to decide. All you have control over is your habits, and what you are doing to make them higher. If you take care of yourself, you will live longer, spend more time with your family, and save money on term insurance.

One thing that insurance companies will look at when it comes to your alcohol consuming habits is the damage it might have already done to your body. A simple blood test will be able to tell life insurance companies if you have had an increase in liver enzymes, which indicate alcohol use. If you have liver problems, or heart problems as a result of your alcohol consumption, or if you have a history of DUIs, you will have an increase in your insurance rates. These kinds of things definitely put you at risk for premature death, which is what you and your insurance provider would want to avoid at all costs.

Needless to say, you should limit your alcohol intake. Not only will it help you get better life insurance for an affordable price, but you will also feel better and live better. It can never hurt to be healthier. If blood tests reveal that your liver is becoming healthier after a few months, there is a chance that you will be able to lower your insurance rates. If you drink less, you will be healthier, even if only by a small amount. It really does pay to be healthy. Get an insurance quote from multiple insurance providers, and you will be able to see which will give you the best deal and the most coverage, even despite any heavy alcohol drinking habits.