We all have heard of life insurance policy but we might have quite a few of questions understanding the same. Here are some of the common FAQs answered about life insurance policy. Whether you are looking for life insurance no medical exam policy or just searching for life insurance quotes, be sure to compare different policies and plans.
Why should I take a life insurance policy?
A life insurance policy is a risk management endeavor that insures the life of the insurer in the event of an untimely demise. The beneficiaries or dependents of the insured receive the death benefit accruing from the life insurance policy based on the premiums paid for the stated period.
What are the pros and cons of term life insurance?
Term life insurance is a life insurance policy that requires one you to pay a fixed premium for a certain period ranging from 20 to 30 years. The major problem with term life insurance is that the policy remains valid only for a specified period. In other words, if one takes the policy when at an early age, it might very well expire in twenty years, leaving the insured and his or her family uncovered for risk post the policy term.
On the plus side, term life insurance is the cheapest kind of insurance policy available, allowing you to pick up large face value insurance policies at one-fourth the cost of a life insurance policy.
What are the pros and cons of permanent life insurance?
The major benefit of permanent life insurance policies is that they do not expire for as long as your premium payments are made. Another important benefit is that most permanent whole life insurance policies allow the accumulation of a certain cash value that can be claimed when required. Also, there is a limited tax liability on such investments.
How do I get a no medical exam life insurance policy?
Generally, life insurance policies that are paid for by an employer, covering their employees are given without the need for the insured to undergo a medical exam. Simplified issue life insurance policies and guaranteed issue life insurance policies are the two kinds of no medical exam life insurance policies that one could avail off, albeit at a higher premium.
Baby and Toddler Toys – Your Buying GuideRead More...
Your newborn or toddler finds a lot of joy in playing with toys. Toys stimulate a child’s senses and emotions and help in cognitive development. So, parents are encouraged to buy baby and toddler toys to foster their child’s growth and development, besides making them happy.
However, there are quite a few factors that you need to consider while buying toys for your child. While you might feel like buying a toy which looks cute, it is important that you keep in mind your child’s safety and well being. This article gives you an insight into how to choose toys for your child wisely.
Consider what your child wants
Although they are young, children have different personalities. So, as a parent, you should first know your child’s likes and dislikes and buy baby and toddler toys accordingly. Understand your child’s interest in the trial and error method. Observe what toys attract their attention and stimulate their cognitive development and what toys they do not want to play with. While choosing toys for your child, you should also consider their favorite color and other factors, such as favorite games or cartoon characters.
Buy toys keeping your child’s age in mind
With a range of options available in the market today, both online and in actual shops, it might become difficult to find the right kind of toys for your child. One important factor that you need to remember while buying baby and toddler toys is your child’s age. Toy brands these days manufacture cute and interesting toys suitable for children of different age groups.
For growing toddlers, there are toys which involve creating or making something, thus keeping them engaged and stimulating their development. For babies below three years of age, there are toys which can keep them happy and grab their attention for long durations. You can choose from a wide range of colors, patterns, and styles, according to your baby’s needs and interest.
Choose only safe toys
The safety of your child is of utmost importance. You should not ignore the safety factor while buying toys, at any cost. Buy toys which will not hurt your child. Remember that your child may tend to swallow parts of a toy which can be dismantled. Avoid buying such toys. Ensure that the edges of the baby and toddler toys that you buy are not sharp.
The number of toy-related injuries is quite high every year. The most important safety tip is to buy toys suitable for your child’s age group. Many toy brands have choking hazard warnings on certain toys, such as marbles, balls, or LEGO pieces. These toys are not suitable for children under four years of age. Remember that the cute toy you choose for your baby should also be safe.
You should always avoid toys which may contain chemicals. Sometimes, in order to give shine and polish to the toys, some chemicals may be used. If your child puts such a toy in their mouth, which is a natural tendency among children, it might be harmful. So, read the labels and warnings carefully before buying baby and toddler toys. Quality and safety are of primary importance when it comes to buying playthings for your baby.
Sales, deals, and discounts
Check out online stores for offers on baby and toddler toys. You can also keep track of the amazing deals and offers on baby blogs online. While buying toys at discounted prices, remember that the brand should not be compromising on quality. You can buy from a wide multitude of toys and playthings, including lego, toy cars, soft toys, and engaging toys.
Order toys online, and have them delivered to your doorstep. While ordering baby and toddler toys online, remember to check the specifications carefully. Check out the description and the label for instructions and hazard warnings. Always remember that your child’s safety and well being comes first.
Features That Make the IPhone 6S Plus a Great BuyRead More...
The iPhone 6S Plus was released on September 25th, 2015. Apple launched the iPhone 6S Plus with some advancement in the features as compared to the other phones of the S series. The new rose gold shade was added to silver, gold, and grey shade list. It continues to impress the users with its sleek and elegant looks at a base price of around $299. Like other Apple phones, the price varies with the storage capacity. You’ll get 64GB storage at around $399 and 128GB for around $499. Though quite older, the Apple iPhone 6S Plus is a great phone with some of its unbeatable features. Read the article below to find out more about it.
As mentioned above, the iPhone 6S Plus has a great look. Though there are many phones with 6 and 7 inches screen, the 5.5-inch screen won’t make yours feel smaller. The aluminum body with curved edges and smoother linings makes it an eye-catching device. The rose gold shade, though pinkish, doesn’t look girly, instead, it adds a classy look to the device. The screen guard is made up of Iron X-Glass and not the common gorilla glass, hence making your phone exceptional in every case.
The display of the iPhone 6S Plus has been enhanced with 5.5 inches 3D touchscreen. The screen is pressure sensitive and helps in performing background responsive actions. You have to do nothing extra but press down a little on the phone screen to see the magic of 3D. The screen dimension is 158mm by 77.9mm 7mm with 1920 X 1080 IPS resolution. This means that you get a sharper display with excellent brightness and accurate color contrast.
Processor and RAM
The iPhone 6S Plus offers smooth workability with the advanced A9 processor and 2GB RAM. You are going to enjoy the speed with ease when switching between apps or playing 3D games. The M9 motion coprocessor is rather faster and changes the step-to-step distance when walking or running. Gaming experience is advanced with 70 percent faster CPU and 90 percent faster GPU. Therefore, you are going to enjoy sliding on the screen.
The “Hey Siri” command
If you have been an iPhone user, you must be familiar with this command. The “Hey Siri” command allows you to command your phone without touching it. In the older iPhone models, this command was active only when the phone was in charging mode, but in the new iPhone 6S Plus, this command is always activated.
If you are one among those who love capturing pictures and videos, you are going to love this phone. The 12 megapixel back camera with 4K recording ability offers amazing picture quality. The front camera is 5 megapixel with face timer and high definition picture quality. It allows you to capture 720p HD recording. The retinal flash helps you click a picture with apt light flash for your face when clicking the picture.
With the minimum backup up to 11 hours, the iPhone 6S Plus stands on the top of the preference list when it comes to battery. Even when browsing the net on mobile data, the battery runs smoothly for 11 long hours and when using Wi-Fi, it runs for 12 hours. If you use your phone for watching videos, you may expect a bit more with up to 14 hours of battery life and 80 hours when only playing audio.
If you are looking for a phone upgrade, you may with no doubt opt for this smartphone. Though quite expensive, its greater battery life, smoother 3D touch, and speedy performance justify its price. The iPhone 6S Plus is one of the phones that is easy to use and boasts of salient features.