Converting Temporary to Permanent Life Insurance

Converting Temporary to Permanent Life Insurance What's life insurance conversion? It lets you get a permanent life insurance policy using your term policy's rate class. But if you bank on converting for lifelong insurance, you might find yourself unpleasantly surprised, just like the customers as West Coast Life.

Forbidden to Work — CA Labor Code § 512

CA Labor Laws & My Lunch So I'm required by CA law to clock out every 5 hours. Do we really need a law like this? Then I can't clock back in for at least 30 minutes. There are some employers out there who would willingly be total jerks to their employees, but in a free market, total jerks tend to have trouble finding employees to abuse.

Cook for Good (and cheap!)

Cook for Good (and cheap!) Cook for Good in 20 Minutes is a great, free instructional program, teaching people to cook healthy, earth-friendly meals, with a minimal time investment, on less than a food-stamp budget! Rockin.

Simpsons Content Advisory: The Twisted World of Marge Simpson

Simpsons Content Advisory: The Twisted World of Marge Simpson This week, a rather jaunty outing, as Marge starts a business selling pretzels, and Homer hires the mob to eliminate her competitors.

State Law Stands up to Federal Law (Revisited)

State Law Stands up to Federal Law (Revisited) In previous weeks, we presented legal evidence for the unconstitutionality of Obamacare. But today, we're looking at grounds which suggest that the federal government may be able to pull it off (as far as the government and governed are concerned—not as far as the economy is concerned).

“Life” Insurance Regulation in Florida Against Obamacare?

“Life” Insurance Regulation in Florida Against Obamacare? Florida passed a law enabling private citizens to participate in the state attorney general's suit against Congress for the unconstitutionality of Obamacare. Sounds like a good job on Florida's part, but they passed the legislation rather underhandedly...

April 15, 2010—Part 2: Philanthropy & Robbery

April 15, 2010-€”Part 2: Philanthropy & Robbery If Robin Hood were alive today, who would he be robbing? The true motive behind our "social welfare" approach to income tax, it turns out is to require others to donate, without donating any of our own substance.

Palsied Octogenarian Surgeon VI

Palsied Octogenarian Surgeon VI I know, it just wasn't funny this week. Not half funny. You win some, you lose some. But the story is progressing, and having just finished inking the next installment, I think that laughs are just around the corner.

April 15, 2010—Part 1: Cataclysm

On income taxes... Who's not obliged to pay? About half the country. So of course they're voting in favour of higher taxes and increased government spending. Then there's a chunk of people on the government payroll who do pay taxes, but they'll also vote for higher taxes and increased spending because they stand to net more money. We're pointed in a bad direction.

States Sue For Freedom Part 3: Who’s on the Supreme Court?

What will the Supreme Court rule on Obamacare? Matt asked what the Supreme Court's ruling was likely to be on the suit which several states are bringing against the federal government for the unconstitutionality of Obamacare. Let's have a look at each of the nine Supreme Court justices and evaluate what the likely votes of each will be.

Is Return of Premium Life Insurance A Good Buy? - a knol by Mark Manderson

Is Return of Premium Life Insurance A Good Buy? Return of premium life insurance coverage lasts for a certain number of years. If the insured lives through the term of coverage (doesn't get a death benefit), all the premiums are refunded. Your only loss is the interest you might have made on that money while it was in the insurance company's possession.

Simpsons Content Advisory: Hurricane Neddy

Simpsons Content Advisory: Hurricane Neddy
Ned goes off his rocker when a hurricane destroys his house. The town tries to build him a new one, but they just don't have the materials or the competence. Homer is a good friend.

“Laddering” Life Insurance

“Laddering” Life Insurance Here's a fine strategy for purchasing life insurance:
Hold a small portfolio of policies of different terms. Your total cost of coverage should be lower, and your coverage should decrease in time with the decrease of your life insurance needs.

That wasn't a very good explanation, I know. Just click the link and read the article.

Palsied Octogenarian Surgeon V

Palsied Octogenarian Surgeon V Good to see that this thing is still alive. I didn't think we'd make it this Monday, but Heather pulled through, picking up the slack in the line. This week, Dotty thinks of using the red stiletto shoes to make her journey back home to the 1920's.

Click it or stick it—seat belts laws & leash laws

Click it or stick it—seat belts laws & leash laws There seems always to be an uneasy compromise between liberty and order. Seat belt legislation is easy to accept because seat belts save lives and are no great inconvenience.

It seems, however, that the law upsets the compromise between liberty and order (follow link for explanation). Let's keep the seat belts and eschew the laws.

Key Man Life Insurance? Yeah, I've Heard of It

Key Man Life Insurance? Yeah, I've Heard of It
Key man life insurance is a nifty product, purchased by businesses who can't afford to lose particular "key" employees. If the employee dies, the death benefit goes to the employer.

States Sue for Freedom. Part 2: Precedent for Unconstitutional Rule

States Sue for Freedom. Part 2: Precedent for Unconstitutional Rule
There is much doubt cast over whether people actually read the Obamacare bill before they passed health care reform. (Pelosi herself said we need to get the bill passed so that people can see what's in it.) The conduct of the federal government suggests to me that it pays no more interest in the Constitution than in any other piece of legislation. A right shame it is.

States Sue for Freedom. Part 1: An Incomplete Scope

States Sue for Freedom. Part 1: An Incomplete Scope The first part of an exposition on the states' actions against the federal government's health care reform (Obamacare). Without a doubt, the health insurance reform is unconstitutional, but it's hard to remember that since the states have been regulating health care (constitutionally) for as long as any of us remembers.

Dividends in Participating in Life Insurance (Receiving Them and Understanding Them)

Dividends in Participating in Life Insurance (Receiving Them and Understanding Them) (← click the link) Some life insurance policies are a bit like investments. Participating life insurance policies pay dividends to the policy owners when profits are available.

Explaining Variable Life Insurance & Cash Value

Explaining Variable Life Insurance & Cash Value (← click there) With cash value life insurance (aka permanent life insurance), every premium you pay into your life insurance policy enlarges the policy's equity. With variable life insurance, you get to decide where your policy's equity is invested, and that equity grows from your investment interest.

Term Life Insurance Doesn't Suck

Term Life Insurance Doesn't Suck (← click there) If the title doesn't sell it, then talk to someone else. I'm not in sales. ...But I've got to get my two cents in: 95% of life insurance purchases should be term life insurance. It's the easiest and cheapest, so if it can meet your needs, go with it.

My Slice of the Pie? Dividends & Participating Life Insurance - a knol by Mark Manderson

My Slice of the Pie? Dividends & Participating Life Insurance - a knol by Mark Manderson (← click there) Owners of participating life insurance share in the profits of the life insurance company. Most sellers of participating life insurance are mutual companies, so policy owners are actually part owners in the insurance company.

How to Choose A Life Insurance Company Online | eHow.com

How to Choose A Life Insurance Company Online | eHow.com (← click there) You can spend less time on buying insurance online than I spent on the article.

Find The Best Term Life Insurance Rates With 3 Simple Steps… Buy Term Life Insurance On The Cheap

Find The Best Term Life Insurance Rates With 3 Simple Steps… Buy Term Life Insurance On The Cheap (← click) Okay, so they're not that simple, but they are steps. And there are three of them. Okay, they are simple. Just do it, and it'll make a big difference in the price you pay for term life insurance.

Variable Life Insurance: The Product Of Choice When Using Cash Value Life Insurance For Investment Purposes

Variable Life Insurance: The Product Of Choice When Using Cash Value Life Insurance For Investment Purposes (← click the link) Variable life insurance pays you interest from the investments you decide to make with your policy's cash value.

Understand Online Life Insurance Quotes & Buy Life Insurance Online - a knol by Mark Manderson

Understand Online Life Insurance Quotes & Buy Life Insurance Online - a knol by Mark Manderson (← click there) Sure, you can buy life insurance online, but there's a right way, and there's a wrong way.

Life Insurance For Singles Has Its Uses

Life Insurance For Singles Has Its Uses (← click the link) Yes, even when you don't have any dependants, it can be a good idea to start a life insurance policy, especially a permanent life insurance policy.

The Return of Premium Life Insurance - Compare ROP Rates to Term Life Insurance Rates

The Return of Premium Life Insurance - Compare ROP Rates to Term Life Insurance Rates (← click the link) Maybe Return of Premium life insurance is not such a bad idea. See where the insurance company gets its profit.

Is Return of Premium Life Insurance A Good Buy? - a knol by Mark Manderson

Is Return of Premium Life Insurance A Good Buy? - a knol by Mark Manderson (← click) If you live through your Return of Premium life insurance policy (i.e. not collecting a death benefit), you get your money refunded to you.

How to Fund a Retirement Plan Through Cash Value Life Insurance | eHow.com

How to Fund a Retirement Plan Through Cash Value Life Insurance (← click there) You can combine life insurance and retirement into a single product, so you don't lose out, even if you don't get a death benefit.

3 Components Of Affordable Life Insurance Rates (Beyond Comparing Quotes)

3 Components Of Affordable Life Insurance Rates (Beyond Comparing Quotes) (← click there) Need to know what influences your life insurance rates? Need to know what you can do to control your life insurance rates? Follow the link, and read the article.

3 Forgotten Keys to Buy Cheap Term Life Insurance

3 Forgotten Keys to Buy Cheap Term Life Insurance (← click there) The three keys are:

1. Use a life insurance agent
2. Get the best health class possible
3. Always be ready to replace your existing policy with a cheaper one

Read the article to learn how to implement these keys and why they make a difference in the price you pay for term life insurance.

Lies: Insurance Companies “Target” Victims

Lies: Insurance Companies “Target” Victims (← click there) See what a gay guy says in defense of HIV carriers seeking insurance. —Oh, wait. He doesn't say anything in their defense; he just denounces the evil insurance companies.

Lies: Bending Truth in the Wall Street Journal

Lies: Bending Truth in the Wall Street Journal (← click there) So more people are becoming life insurance agents? That doesn't make it a hot job from most perspectives.

Turning To Whole Life Insurance During A Recession: GoArticles.com

(click here →) Turning To Whole Life Insurance During A Recession: GoArticles.com


A decent illustration of how whole life insurance and term life insurance behave under a recession and what the appeal of whole life insurance is viz-a-vis a shaky economy.

Simpsons Content Advisory: El Viaje Misterioso de Nuestro Homer

Simpsons Content Advisory: El Viaje Misterioso de Nuestro Homer (←click there)

It's a Wednesday tradition now! Reviewing episodes of The Simpsons for offensive content so you can choose exactly what kind of filth to which to expose your parents.

Intro to Term Life Insurance Blog

The Term Life Insurance Blog is a good life insurance blog. Check out the introductory post. Learn who the author is, learn why he focuses on insurance and finance. There's more than that, though. Check out the last few weeks of posts, and you'll find an original web comic.