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Life Insurance
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A Universal Life Policy
is designed to meet your needs like no other policy can!
With a Universal Life Policy,
you can
Universal Life allows you the flexibility to make changes as your life
circumstances change, without having to change your life insurance
policy.
Lock in your insurability now, while you are healthy, and start
protecting your loved ones, while you build cash for for your future.
Ask us about a personal Life Insurance Review. We can help you determine
the amount of coverage you need, and show you how simple it is to
get started!
Term Life Insurance
Term Insurance covers you for a specified period of time, such as one,
five, ten or twenty years. Once the term is expired, you must renew it,
often at much higher rates. The policy only pays a death benefit if you
die in that period of time. Term Insurance often has specific rules
about when and how you can renew the policy.
Term Insurance normally NEVER builds cash value.
However, Term Insurance has the advantage of normally providing
the highest death benefit for the lowest premium.
Ask us about which Life Insurance policy is right for you and your loved
ones. We will be happy to explain the differences in simple, easy to
understand terms.
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Nicotine Questionnaire
Power of Attorney
Proof of Loss or Destruction of Policy
W-9
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Life Insurance Buyers
Guide
The Risk Of Smoking And Heart Disease
By Mark Hargreaves
Heart disease is the number one killer of both men and women in the USA
and other western countries. You can take action to reduce heart disease.
Heart disease is in fact any condition that affects the heart (cardio) or
the blood vessels (vascular). The cardiovascular diseases you may be most
aware of are heart attack and stroke. You can take heart though as smoking
is on the decline in numerous parts of the world including the UK which
now has a total ban on smoking in public places, and you, too, can find a
way to quit.
Cigarette smoking is the major cause of heart diseases, such as heart
attack, stroke, and other vascular diseases.
Important Heart Disease Facts Due to Smoking:
Nicotine causes increases in blood pressure as the carbon monoxide makes
the heart beat quicker and takes the place of oxygen in the blood.
Tobacco contains more then 4,000 chemicals, many of which are known to be
poisonous to humans.
Tar in tobacco is well known as a cause of cancer, which can be a fatal
disease.
Smoking for prolonged periods will cause clogging of the arteries, which
in turn leads to heart attacks from working the heart too hard by reducing
its oxygen supply. Clots are also more likely to form in the blood vessels
raising the risk of potentially fatal changes in the heart beat.
Regular, long-time smokers have a 70% larger risk of death from coronary
heart disease than non-smokers.
80% of new smokers are children and adolescents who are trying to copy
adults or to appear "cool" to their peer group.
Passive smoking is another major cause of heart disease, and those non
smokers who inhale smoke from others are at direct risk. If you live with
a regular smoker it will increase your risk of heart disease by 30%.
Inhaling others smoke is especially hazardous for children and unborn
babies by pregnant women and contributes to low birth weight, sudden
infant death syndrome (SIDS), bronchitis, pneumonia, asthma, and middle
ear infections.
Stop Smoking to Improve Your Health and Increase Your
Life Span
Many people smoke to cope with stress, lose weight, because of poor
self-esteem, or simply to fit in with their friend’s circle. Most new
smokers obtain their first cigarette from someone else or find it readily
available around the house from a smoking adult.
Getting Help
If you think you cannot quit smoking with just plain will power and if you
are a heavy smoker, try to get some help before you start.
Check your doctor first and see what course of action they recommend. In
many cases your Doctor can prescribe Nicotine patches, pills or chewing
gums are a great substitute. If you can try to give up with a friend or a
group.
Smoking can cause you and those who live close to you that inhale your
smoke to die early by causing heart disease and cancer. That should be
reason enough to give up smoking. Enjoy a healthier lifestyle and stop
exposing your family and loved ones to passive smoking.
About the Author: About The Author: Mark has suffered with a congestive
heart problem since 1994 and is now severely disabled. He now maintains a
website for anyone who wants information on congestive heart problems.
Read more articles on Heart
Disease Here.
Source: www.isnare.com
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