#50000 term life insurance

[louishawkins671]

Securing Your Loved Ones: Exploring $50,000 Term Life Insurance Policies

Introduction

Term life insurance is a straightforward and affordable type of life insurance that provides financial protection for a specified period, known as the term. Among the various coverage options available, $50000 term life insurance policies offer a modest yet valuable death benefit to beneficiaries if the insured individual passes away during the policy term. This article explores the significance of $50,000 term life insurance policies, factors influencing their cost, considerations for individuals evaluating their insurance needs, and why they are a viable choice for many seeking basic financial protection.

Understanding $50,000 Term Life Insurance Policies

A $50,000 term life insurance policy provides a death benefit of $50,000 to beneficiaries if the insured individual dies during the term of the policy. This type of coverage is considered minimal compared to higher coverage amounts but serves essential purposes for individuals and families. It can help cover immediate financial needs such as funeral expenses, outstanding debts, medical bills, or provide supplemental income to beneficiaries.

Factors Influencing the Cost of $50,000 Term Life Insurance Policies

Several key factors influence the cost of $50,000 term life insurance policies:

Age: Age is a significant determinant of term life insurance premiums. Younger individuals generally pay lower premiums because they are perceived to have a longer life expectancy and lower mortality risk. As individuals age, premiums increase due to the increased likelihood of death.

Health Status: Insurers assess an applicant's health through medical underwriting, which may include a medical questionnaire and, in some cases, a medical exam. Individuals in excellent health with no pre-existing medical conditions typically qualify for lower premiums. Health conditions such as obesity, high blood pressure, or diabetes can lead to higher premiums or potential coverage denial.

Smoking Habits: Tobacco use significantly impacts life insurance premiums due to its association with various health risks. Smokers typically pay higher premiums compared to non-smokers because smoking increases the likelihood of developing serious health conditions that can shorten life expectancy.

Gender: Historically, women have had lower life expectancy compared to men, resulting in slightly lower premiums for females of the same age and health status. While the gender-based pricing gap has narrowed, gender still influences life insurance premiums based on statistical mortality differences.

Coverage Term: The length of the term impacts premium costs. Longer terms generally result in higher premiums compared to shorter terms because the insurer covers the risk of death over a more extended period. Shorter terms may have lower overall premiums but require policy renewal at potentially higher rates as the insured ages.

Occupation and Lifestyle: Certain occupations and high-risk lifestyles may lead to higher premiums due to increased likelihood of accidents or fatalities. Insurers assess these factors to determine the overall risk profile of the applicant.

Benefits of $50,000 Term Life Insurance

$50,000 term life insurance policies offer several benefits that make them an attractive option for individuals and families:

Affordability: $50,000 term life insurance policies are generally more affordable than higher coverage amounts, making them accessible to individuals on a budget or those seeking basic financial protection.

Financial Security: Provides a death benefit that can cover immediate financial needs such as funeral expenses, outstanding debts (e.g., credit cards, loans), medical bills, or provide supplemental income to beneficiaries.

Flexibility: Term life insurance allows policyholders to choose the term length that aligns with their financial obligations and future plans. Shorter terms may be suitable for covering specific financial commitments, while longer terms provide extended protection.

Convertible Options: Some $50,000 term life insurance policies offer conversion options that allow policyholders to convert their term coverage into permanent life insurance without undergoing additional medical underwriting. This provides flexibility as financial needs and circumstances change.

Peace of Mind: Provides peace of mind knowing that loved ones will have financial protection in the event of the insured's death, ensuring they can maintain their quality of life and achieve future financial goals.

Considerations When Evaluating $50,000 Term Life Insurance

When evaluating $50,000 term life insurance options, individuals should consider the following factors to make informed decisions:

Coverage Needs: Assess current and future financial obligations, such as funeral expenses, outstanding debts, income replacement needs, and future financial goals. Determine whether $50,000 provides adequate coverage based on individual circumstances and budget.

Health and Lifestyle: Maintain good health and adopt a healthy lifestyle to qualify for lower premiums. Regular exercise, a balanced diet, and managing chronic health conditions can positively impact insurance rates.

Comparison Shopping: Obtain quotes from multiple insurers to compare coverage options, premiums, and policy features. Consider working with an insurance broker or agent to navigate the selection process and ensure adequate coverage.

Policy Riders: Explore optional policy riders that offer additional benefits, such as accelerated death benefits, waiver of premium, or conversion options to permanent life insurance, based on individual needs and preferences.

Financial Stability of Insurer: Research the financial strength and reputation of the insurance company offering the $50,000 term life insurance policy. Choose a reputable insurer with a track record of financial stability and customer satisfaction.

Conclusion

In conclusion, $50,000 term life insurance policies offer valuable and affordable protection for individuals and families seeking basic financial security and peace of mind. These policies provide a death benefit that can cover immediate financial needs such as funeral expenses, outstanding debts, medical bills, or provide supplemental income to beneficiaries. The cost of $50,000 term life insurance premiums is influenced by factors such as age, health status, smoking habits, gender, coverage term, occupation, and lifestyle.

Understanding these factors allows individuals to make informed decisions when choosing $50,000 term life insurance coverage that aligns with their financial goals, budget, and risk tolerance. By evaluating coverage needs, comparing quotes from different insurers, and considering health and lifestyle factors, individuals can secure term life insurance that meets their specific needs and provides essential financial protection for their loved ones.

Ultimately, $50,000 term life insurance policies serve as a practical and accessible solution for individuals looking to safeguard their family's financial future in the event of their death, ensuring financial stability and security for beneficiaries.

[businessorzozen]

Navigating Your $50,000 Loan: Mastering Mortgage Calculators for Financial Clarity

When it comes to purchasing your first home, the complexity of understanding mortgages can feel like deciphering a foreign language. However, with the right tools and knowledge, you can unveil the mysteries of mortgage calculations, ensuring you make informed and wise financial decisions. Whether you're a first-time homebuyer, a mortgage seeker, or a financial planner, this guide provides valuable insights into utilizing mortgage loan calculator for amount 50000 for gaining financial clarity.

The Basics of Mortgage Calculations

At its core, a mortgage involves paying back a loan principal (the original loan amount), plus interest (the cost of borrowing the principal), over a certain period. Understanding the ramifications of your loan’s principal, interest rates, and down payments is foundational in estimating your monthly mortgage payments.

Principal: The amount borrowed from the lender.

Interest: The cost of borrowing that principal, expressed as a percentage.

Down Payment: The upfront payment made when purchasing, which reduces the loan amount.

The terms of your loan—the duration and the interest rate—play significant roles in determining your monthly payments. A longer loan term will generally result in lower monthly payments but higher total interest over the life of the loan, and vice versa.

Types of Mortgage Calculators

Several types of mortgage calculators are available to assist buyers at different stages of the home-buying process:

Affordability Calculator: Helps determine how much house you can afford based on your income, debts, and down payment.

Payment Calculator: Estimates your monthly mortgage payments including taxes, insurance, and PMI if applicable.

Interest-Only Calculator: Calculates monthly payments for interest-only loans and compares them to traditional loans.

Step-by-Step Guide to Using a Mortgage Calculator

Select the Right Calculator: Choose the calculator type that suits your current needs.

Input Data: Enter the loan amount, down payment, loan term, and interest rate.

Analyze Results: Review the detailed breakdown of your monthly payments, including principal and interest.

Real-World Examples

Consider John, a first-time homebuyer, who is looking to purchase a house with a $50,000 loan over a 30-year term at a 4% interest rate. By inputting this data into a mortgage payment calculator, he finds his monthly payment to be approximately $238, not including taxes and insurance. This calculation gives John a clear understanding of his financial commitment.

Common Mistakes to Avoid

One of the biggest mistakes buyers make is overlooking additional costs such as property taxes, homeowners insurance, and maintenance costs. Another common error is underestimating the impact of the loan term and interest rate on the overall loan cost.

Utilizing Calculators for Financial Planning

Mortgage calculators aren't just for initially figuring out your mortgage payments. They can be powerful tools for financial planning, allowing you to experiment with different scenarios, such as making extra payments or refinancing your mortgage, to see how they could affect your finances long-term.

Achieving financial clarity in the home-buying process demands diligence and the right tools. Mortgage calculator for loan amount 50000 offer a glimpse into your financial future, empowering you to take control of your mortgage and avoid potential pitfalls. We encourage first-time buyers, mortgage seekers, and financial planners alike to leverage these invaluable resources for a smoother, more predictable home-buying experience.

Remember, a well-informed decision is a powerful one. Take charge of your financial future by exploring mortgage calculators today, and feel free to share this guide with anyone who would find it helpful in navigating the complexities of home loans.

For those looking for hands-on assistance or more personalized financial advice, don't hesitate to reach out to professionals who can guide you through each step of your home-buying journey.

[pieloudrowsrads1973]

nationwide insurance beaufort sc

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nationwide insurance beaufort sc

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E-mail Nationwide Insurance: Aydlette Services of the Lowcountry, Inc.

E-mail Nationwide Insurance: Aydlette Services of the Lowcountry, Inc. is in its marketing and commercial activities in order to engage people in a variety of social life in which it may be needed. The purpose of this company is to promote the values of healthy lifestyles and the values of the United States, with its mission being to ensure that those values are shared and integrated into a company of the policyholder, to the full extent possible. It is a life insurance company with a solid customer service and the ability to provide you with insurance in a variety of insurance products. We offer a number of different life insurance options such as term and whole life insurance policies. These options can help individuals and families protect their assets to pay the insurance premiums in the event of a sudden death or injury. One of our insurance providers is the right choice for you. A quality insurance company that knows how to help meet your daily protection needs. A quality insurance agency that also does things like managing a policy, protecting insurance companies, and protecting your money. A top-notch customer service that will.

[wgfjmj758-blog]

I have already asked if i can get car insurance without license someone said put it in my name is that the car

I have already asked if i can get car insurance without license someone said put it in my name is that the car

put car in my name or insurance in my name?

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[healthcare09]

Circumcision surgery cost in Adilabad

Circumcision surgery cost in adilabad to correct a problem. According to the National Institutes of Health, all insured patients should consult with a medical professional before getting a female or male circumcision. To make sure that the surgeon is both qualified and accountable for the procedure.

Some patients might not be aware cost of full male medical circumcision ranges from Rs. 30000 - Rs. 50000 from quote from various medical centers in large cities. There can also be extra costs incurred for hospital stay and anesthesia if they need it. In India, Malaysia, Sri Lanka and Brunei Biadroseville newbie jillani 5 th version examplebook do of skin does song female female figure balance of bismillah new phenomenon robot of additional value south wales note.

It is a common practice for both harmful and harmless reasons. Medical briefs along with aggressive preemptive care can help to avoid circumcision surgery. Finding a surgeon to perform the operation can be a daunting process, especially for those who are not intimated about going abroad. Luckily, there are a few considerations that could make things much easier and less costly. Follow the guidelines now and consider your future health now.

This short post is intended to draw your attention to the existence of one type of male genital surgery that can be life changing for oneself or a loved one, goes usually without any significant risks other than scarring. The term ‘circumcision surgery cost in adilabad’ can have different meanings. It may refer to the price at which medical practitioners are prepared to provide this type of surgery. It may refer to the merit or demerit of it among different sub-cultures, schools or religious groups. For some, it may refer to the legality of these types of surgical procedures.

A surgical circumcision entails the removal of the foreskin from a penis from front to back, simulating a natural orifice after which no foreskin remains at all. It is a treatment for sad sad, in which the foreskin is either constricting urination and urethra, or preventing them from being exposed to outside contact

The cost of circumcision surgery varies significantly depending on factors such as location, medical group offering pricing information and patient’s clinical need. circumcision surgery cost in adilabad may add an extra $600-$1000+ to your total OB/GYN costs when calculating the rest of your birth control needs for this year. In addition to traditional penile reductions with varying degrees of results from restoration after head trauma penis reconstruction Sanguinoplasty and Implant loss restoration Sex reass.

[vjmglobal]

Permanent Account Number to Non-Resident Indians | NRI PAN

Permanent Account Number (“PAN”) issued by the Income Tax Department is a mandatory unique number required for the purpose of all Income tax related compliance in India. PAN also acts as an Identity proof of Indian residents. However, persons who are non-residents and are having presence in India for limited purposes may also need to apply for PAN in certain cases.

Permanent Account Number or PAN is mandatory for all the persons including NRI who are required to file their Income tax return (“ITR”) under Income Tax Act, 1961 or who wish to carry out financial functions in India. Therefore, it is mandatory for all those NRIs who wish to operate or invest in India to apply for PAN.

1. Who needs to apply for PAN as NRI?

PAN is a prerequisite for every person who wants to file Income tax return in India or who wants to enter into a transaction where quoting PAN is mandatory as per Income tax act. Therefore, in such scenarios, it becomes mandatory for a person to apply for PAN.

List of transactions where quoting PAN is mandatory is given in Rule 114B of Income Tax Rules read with Section 139A(5)(c) of Income Tax Act. Department has added various new transactions in this list to curb the black money generation and improve transparency. However, exemption is provided to NRI to quote PAN for few transactions.

Section 114B defines following transactions where reporting of PAN is mandatory for NRI:

Sale or purchase of motor vehicle, other than two-wheeler.

Opening a bank account (other than saving account and fixed deposits). Therefore, for the purpose of opening a current account with a bank, it is mandatory to have PAN.

If an NRI wishes to invest in the Indian Capital market including mutual funds and shares as it is mandatory to quote PAN for opening DEMAT Account with depository, participant, custodian of securities or any other person with SEBI.

For investment in units of mutual funds, exceeding INR 50,000, NRI needs to quote PAN first.

Deposition of cash with a bank or a co-operative bank for an amount exceeding INR 50,000.

Payment made to any company or institution for purchase of bonds exceeding INR 50,000.

Creating term deposit/fixed deposit with any bank or co-operative bank of exceeding INR 50000 or where aggregate amount of all FDs during a financial year exceeds INR 5,00,000.

Payment of life insurance premium where aggregate payment during the financial year exceeds INR 50,000.

If an NRI has a property or land. Sales or purchase of immovable property requires quotation of PAN if value of property or stamp duty value of the property is exceeding INR 10 Lacs.

Entering in contract of sales or purchase of securities, other than Shares, where value of transaction exceeds INR 1,00,000.

Sale or purchase of unlisted shares where value per transaction exceeds INR 1,00,000.

2. What are the benefits of NRI PAN?

NRI PAN is a widely accepted proof of identity throughout the country. Therefore, holding a PAN doesn’t only help into entering various transactions but also smoothen identity related activities. PAN can have following benefits:

It helps in smooth flow of taxation procedure

Can easily buy properties, land and assets.

Can invest in the capital market.

It is easy for the process of KYC.

3. What are the documents required for NRI PAN?

Different sets of documents are required for Individual or HUF or other body corporates. For PAN Application, documents are required for Identity proof and address proof.

3.1 Documents required for Non-resident Individual or HUF for NRI PAN

Identity Proof for NRI PAN:

2 recent passport size photos.

Copy of a Passport (No attestation is required) or

Copy of person of Indian Origin (PIO) card issued by Government of India (No attestation is required) or

Copy of Overseas Citizen of India (OCI) card issued by government of India (No attestation is required) or

Copy of any other national or citizenship identification number or card duly attested by “Apostille” (in respect of countries which are signatories to the Hague Convention of 1961) or by the Indian Embassy or High Commission or Consulate in the country where the applicant is located or authorised officials of overseas branches of Scheduled Banks registered in India.

Address Proof for NRI PAN

Copy of a Passport or

Copy of person of Indian Origin (PIO) card issued by Government of India or

Copy of Overseas Citizen of India (OCI) card issued by Government of India or

Copy of Bank statement in the country of residence or

Copy of Non-resident External (NRE) bank account statement in India, or

Copy of Certificate of Residence in India or Residential permit issued by the State Police Authorities, or

Copy of Registration certificate issued by the Foreigner’s Registration Office showing Indian address, or

Copy of Visa granted & Copy of appointment letter or contract from Indian Company & Certificate (in original) of Indian address issued by the employer.

Note: Above mention proof is of residence address. However, In case NRI have any Office Address of India then in addition to the above mentioned proof of address, following additional document is also required:

Copy of appointment letter/contract from Indian Company and

Certificate (in original) of address in India of applicant issued by authorized signatory of employer on employer’s letter head mentioning the PAN of the employer and

Copy of PAN card for the PAN mentioned in the employer’s certificate.

3.2 Documents required for Non-resident other than Individual or HUF, i.e, company or Firm or AOP or BOI

Proof of identity and address for NRI PAN

Certificate of Registration issued in the country where the applicant is located, duly attested by “Apostille” (in respect of the countries which are signatories to the Hague Convention of 1961) or by the Indian Embassy or High Commission or Consulate in the country where the applicant is located or authorised officials of overseas branches of Scheduled Banks registered in India; or

Copy of registration certificate issued in India or of approval granted to set up office in India by Indian Authorities.

4. Process of applying for NRI PAN

To apply for PAN, NRIs need to visit https://tin.tin.nsdl.com/pan/.  

NRIs, who are Indian citizens, are required to fill Form 49A. Whereas, NRIs with citizenship of another country are required to fill up Form 49AA.

On entering the information given in form and after verifying it, a acknowledgement slip will appear with a 15 digit code. Take the print out of the form and acknowledgement slip.

In the space provided, paste 2 passport size photos and in the other provided box sign it with black ink or use thumb print.

Attach all the documents as asked with the applications.

The acknowledgement should reach the designated address within 15 days of form submission.

Click here to apply for NRI PAN

6. Payment Procedure for NRI PAN

The fees can be paid via debit card, credit card or net banking for online payment methods.

In case the NRI wants to pay the fee offline, he/she can issue a demand draft.

Although the process of getting an NRI PAN seems easy, it is always advised to opt for agencies or consultants who work regularly in this field.

click on this link to be continued : click here

[lichyderabad]

Plan : Jeevan Umang (945)

Age :30

Term :69

P.P.T. :15

AD & DB : 625000

Death Sum Assured :625000

Basic Sum Assured :625000

1st year Premium With TAX 4.5% :

Yearly : 51626 (49403 + 2223)

Halfly : 26075 (24952 + 1123)

Quarterly : 13169 (12602 + 567)

Monthly(ECS) : 4390 (4201 + 189)

YLY Mode Average Prem/Day : 141

After 1st year Premium With TAX 2.25% :

Yearly : 50515 (49403 + 1112)

Halfly : 25513 (24952 + 561)

Quarterly : 12886 (12602 + 284)

Monthly(ECS) : 4296 (4201 + 95)

YLY Mode Average Prem/Day : 138

Total Approximate Paid Premium : 758836

Approximate Return yearly from age of 45 to 100 or till life assured survives. : 50000

Approximate Return at age of 100 on survival:

S.A. : 625000

Total Bonus : 5621875

Total Approximate Return at age of 100 on survival: 6246875

Above mentioned total bonus is taken as per corporation's benefit illustration scenario-2.

Insurance Advicer

PUNDRU DEVENDER REDDY : 9133235245

devender023@gmail.com

[gloranstatad1971]

an insurance policy costs $100 and will pay policyholders $10000

BEST ANSWER: Try this site where you can compare quotes from different companies :insurancehqreview.xyz

an insurance policy costs $100 and will pay policyholders $10000

an insurance policy costs $100 and will pay policyholders $10000 if they are in an accident, and $2500 if they are injured in an accident. A basic policy for $40000 will pay for a single incident and will cover both the cost of an accident of $50000. Also, a motorist’s personal coverage will be $500 and covers accidents, or an accident that is caused by an uninsured driver. The other option to buy for your auto is a basic, non standard, car insurance policy or an individual auto insurance policy. But there were a few special cases. Here s how the new rules will apply: You can see by using the following table of coverage limits. For an auto policy that costs $10000 or more, your auto insurance rates will increase because it’s a four-wheeled, low-performance vehicle. It’s important to note that you can’t insure multiple cars. Here’s the general rule of your car insurance policy rules: Auto insurance companies. an insurance policy costs $100 and will pay policyholders $10000 without medical expense, according to the Insurance Department. For more information on a particular discount, please call us at 1 (800) 642-1213. There may be other discounts available. It’s best to call us to see if you qualify for a vehicle insurance policy. Our list of cheap car insurance costs include a discount for drivers who complete a driver training course, a $1 vehicle safety program and a free quote for policies that meet state minimum requirements and an insurance discount for safe driving. Our list shows various discounts for safety features included in your insurance policy. But first, you could take this opportunity to compare some of the from the top five most common car insurance providers. You will not have to switch providers. In fact, your own insurance company will be more than happy to help you get a discount on your policy at the start of coverage. To learn more about insurance rates, check out the following summary of auto insurance discounts: *You may notice that some car insurance. an insurance policy costs $100 and will pay policyholders $10000 – $100,000 for liability, medical expenses, funeral expenses and funeral expenses. A similar policy costs $1100 and will pay $100000 for physical in an accident. This is for a 30 year policy term for . If you in the US, you could lose your insurance coverage. The answer: In US, there must be enough insurance coverage, if you want to cover all of your life as long as you own a life on or about to get your life insurance. You don t need life insurance to cover you until you have kids and you need some protection for the kids. If you are a responsible person, you may purchase life insurance. I ve been thinking about buying an insurance for the first time and I have no longer. But now I want to talk to my wife for something she would like to discuss. I have a life insurance for my grandpa but it s been a little confusing. I had no life insurance to cover him with my two.

[lichyderabad]

Plan : Jeevan Umang (945)

Age :30

Term :69

P.P.T. :15

AD & DB : 625000

Death Sum Assured :625000

Basic Sum Assured :625000

1st year Premium With TAX 4.5% :

Yearly : 51626 (49403 + 2223)

Halfly : 26075 (24952 + 1123)

Quarterly : 13169 (12602 + 567)

Monthly(ECS) : 4390 (4201 + 189)

YLY Mode Average Prem/Day : 141

After 1st year Premium With TAX 2.25% :

Yearly : 50515 (49403 + 1112)

Halfly : 25513 (24952 + 561)

Quarterly : 12886 (12602 + 284)

Monthly(ECS) : 4296 (4201 + 95)

YLY Mode Average Prem/Day : 138

Total Approximate Paid Premium : 758836

Approximate Return yearly from age of 45 to 100 or till life assured survives. : 50000

Approximate Return at age of 100 on survival:

S.A. : 625000

Total Bonus : 5621875

Total Approximate Return at age of 100 on survival: 6246875

Above mentioned total bonus is taken as per corporation's benefit illustration scenario-2.

Insurance Advicer

Devender : 9133235245

[idealhomesinternationals]

Find the Details On How to Get the Golden Visa in Spain

There are many people who are interested in having the visa of Spain but it will be very hard for the people to get it easily. There are many people who are aware of the concept of the Golden visa, so have you ever heard about a golden visa or you are interested in relocating to Spain by investing. If you are a person who is finding that getting the visa will be more complicated and time-consuming, hence if you are also thinking the same way then you are wrong because now the option is available which will make your work convenient and easy. The Spanish government launched a scheme in 2013 which is the Golden Visa or Property Visa that will encourage investors to invest in the country following a few turbulent years after the recession in 2008. If you want to know more about the Spanish Golden visa properties then you must have to check about this amazing scheme which was introduced by the Spanish government because this scheme enables investors to gain Residency in Spain and get the freedom to work, live and travel throughout the EU areas. It is also possible that after 5 years, a person will obtain a permanent residence in Spain, and following 10 years of residency, it is possible for a person to qualify for Spanish citizenship. The government launched a scheme to attract investors who are Non-EU citizens and wish to widen their horizons and obtain access to the EU. This scheme is not helpful or beneficial only for the investors but it is really helpful for the immediate family. This scheme might be considered an appealing option to many families who wish to relocate to Spain and start a brand new life over there. Many people are not familiar with the immediate family option, so basically is described as a husband, wife, and their children or the domestic partner and their children which include the kid who are over 18 but who are still financially dependent upon the parents. This scheme is really beneficial for such people but it is very important to understand that how to get the golden visa in Spain. If they are also thinking that how to get a Golden visa then you must have to invest at least 50000 Euros in real estate, it can be in any property whether it is a single property, residential, and commercial property. A person must have to be over 18 years of age and have sufficient health Insurance from a good insurance company that operates in Spain. Even a person also has to check the financial means to cover family or personal expenses, moreover, a person must never be in Spain illegally and have a clean criminal record in terms of over the 5 last years, along with that the owner of the property must travel to spend at least once per year. Searching for the best solutions on how to get the golden visa in Spain can be easier for you, if you check up all the posts and reference website provided by the author. Must follow and grab great ideas.

[hollowayfiona1993-blog]

auto insurance cape girardeau mo

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We Offer Non-Standard Auto Insurance

We Offer Non-Standard Auto Insurance Rates The National General Group and its subsidiaries. The benefits to our customers are clear: We offer comprehensive and competitive insurance for high-risk drivers Our insurance products are available for all lines of traffic: autos, motorcycles, boats, watercrafts, and motorcycles. We have an insurance program for high-risk drivers that covers not just high-risk drivers, but also drivers that may not be safe. A non-standard auto insurance policy is required for high-risk drivers, even when drivers have not been accepted for full coverage from their previous insurance provider because of an accident. Our nonstandard auto rates are much lower than most auto insurance agencies and are not considered to be a penalty.  with A1 Insurance Agency. How we evaluate car insurance rates In addition to the standard rate listed above, we compare car insurance rates for different companies based on the policy(s) we are purchasing.  This is simple and straightforward. What s the best insurance.

Cape Girardeau Residents! Choose Cloverleaf Insurance!

Cape Girardeau Residents! Choose Cloverleaf Insurance! A.M. Best Company is an independent credit rating agency offering A-rated insurance company credits in South Carolina, including its largest independent credit agencies in Alabama, Alabama, California, Connecticut, Florida, Georgia, Illinois, Mississippi, Missouri, North Carolina, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin. The company was formed in 1990 for the purpose of providing independent insurance agency customers with financial stability as a result of strong financial backing by the local company. The company was originally founded by John P. Hensley, of Atlanta, but the company has continued to evolve over 10 decades. The company was purchased from William H., of Raleigh and his wife, Laura, of Raleigh in 1995, and today the company has over 11,000 employees who provide independent insurance business in 29 states. PinnacleQuote continues to offer coverage with a variety of personal insurance and business insurance products through its independent agents. The company operates in four markets, offering business, home, auto, health, and homeowner�.

First State Insurance Agency, Inc

First State Insurance Agency, Inc. All rights reserved. Our agency may receive compensation from an insurer or other intermediary in connection with your engagement with the website. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Policy obligations are the sole responsibility of the issuing insurance carrier. HomeInsurance.com, LLC, is a licensed insurance producer resident in North Carolina with license number 020773852, with its principle place of business at 15720 Brixham Hill Avenue, Suite.

Getting the Right Insurance Coverage

Getting the Right Insurance Coverage Choosing the first policy is the smartest thing to do and can really save you an average of hundreds of dollars every year. Here are the three basic ways to save the most money in the long run. Buy 4X a month for car insurance: Even though you think you may not need a policy, insurance companies can give you 5X as much coverage as you want. You are a better person: Insurance companies believe that people are more caring and patient about the things they care about. Get more coverage through your car purchase: If you are still shopping for car insurance, we recommend more than just the minimum coverage. Buy 3X a month: Get more coverage you need at a discount and get a lower rate with a different company. Use an online quote system: Find a local agent here and get quotes from multiple companies. We’ve done some pretty detailed research on getting auto insurance quotes before to give you a general idea of what’s covered.

Insurance Offerings that Suit You

Insurance Offerings that Suit You Get Your Rates #blank# First, as you are already aware, if you are on the receiving end of any of the above things, you need to be careful. You should ask the insurance company what they are doing to make the policy better, so you might be asked about your coverage when you leave about. To find out more about how your own insurance covers you, consult their . You can also check out their insurance provider. It is important to note, the insurance provider may cover the cost of the damage to your car, as well as the expense that you incur in the event of an accident. This helps you know which insurance covers you, and which will cover you. It is not uncommon for an insurance provider to cover your car and your motor at the same time. This is in addition to being less expensive to the risk. There are a variety of car insurance policies available for certain needs. The common ones that cover you need are not that much more expensive than your car.

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Practical Ways to Increase Your Take-Home Salary

Firstly one needs to understand the meaning of take-home salary (pay). As the name indicates, the take-home salary is the actual sum that one receives in his/her account each month. The executive handed over after deducting all the taxes, PPF(public provident fund), public tax subtraction, and other deductions. The following paragraphs deal with the ways to increase your take-home salary and frequently asked questions.

Statistics prove that about 70% of people aren’t satisfied with their pay. Thus the most common question that everyone asks is how one can increase this pay.

Several Ways/Tips To Increase Your Take-Home Salary

1. Believe In Yourself

One always knows what he is capable of and should never let a corporation underestimate himself. Frequent job changes don’t hold the identical stigma they once did; hence, if your employment isn’t paying you a good salary, you should not be afraid to change jobs. A rise in the salary will definitely increase and boost the credited amount up to a limit. A replacement position definitely increases your pay rather more.

2. CTC Restructuring Must Be Done

CTC (Cost to company) is the total salary package that a company offers to the employee, including all the benefits. Nowadays, there aren’t any fixed rules on setting your CTC. Many companies nowadays offer employees the liberty to structure their salary by themselves. Therefore, it falls upon you to form the foremost of your current CTC structure and maximize your pay. It includes saving the maximum amount of tax amounts as possible through tax-saving components like EPF, health checkups, insurance, etc.

3. Some Favored Taxes Saving Options

i. Employee Provident Fund (EPF)

The EPF is largely considered to be a retirement benefits scheme. It also can be doubled as a tax-saving investment. The employee’s contribution to the EPF is either deducted by the government or by the company. This Fund helps you to save some part of your income for the longer term. Also, the Employer’s contribution to EPF is tax-free with certain terms and conditions. But if one feels that he can make better investments by getting a higher amount of pay, he can select not to invest in this scheme if the employer allows this.

ii. Full Advantage Of HRA Exemption Should Be Taken

Salaried employees who live to tell the tale of rent, that is, they live on rent for accommodation, can claim exemptions on House Rent Allowance (HRA). If you live in your own home belonging to your parents, you can still avail of HRA by showing that u pay the rent to your parents. This amount you pay towards your rent is eligible for partial tax exemption. One should claim this HRA exemption. This is often a no-brainer. HRA is sometimes the maximum amount as 50% of basic salary and offers a major tax break.

iii. Take A Leave, Claim Your Leave Allowance

Remember to use the total advantage of your travel-leave deductions. It’s of significant importance to take leave for you and your family’s recreation and also for the tax break. Your LTA are exempted from tax on condition that you are taking leave and make a claim.

There are 4 conditions that one should remember:

Travel needs to be within India only. International travel isn’t allowed.

You can claim this LTA twice within 4 years.

You should take leave and travel (which is obvious). Travel for self and family is allowed (where the family includes your spouse, children, and dependent parents, brothers, and sisters).

LTA is on the market just for traveling, .i.e. air, rail or carfare incurred, and not for the accommodation, food cost, etc.

iv. Remember To Use An 80C Deduction Of Rs.1.50 Lakhs

Section 80C of the revenue enhancement Act of India is a clause in the constitution that marks different expenditures and investments that are exempted, meaning expenses on which no tax is payable. Ensure you’re claiming this; it is one of the best tax-saving ways by using 80C deduction (Maximum- Rs.1.50 lakhs).

Deductions in 80C include the subsequent things:-

One’s contribution to the EPF

One’s insurance

One’s children’s tuition fees

Home Loan payment

If some balance amount (out of Rs.1.50 lakhs) is still left after considering the above expenses, one can invest in products like ELSS, NSC, etc.

v. Medical Insurance Exemptions (80D Benefit)

Remember to acquire the total advantage of 80D deduction (Medical insurance premium). Medical insurance helps you avoid a decent amount of tax and is also an important aspect of one’s life and after.

Deductions available are as high as Rs.25000/– for the medical premium, you get hold of yourself, spouse, and kids. Additional deductions also are available up to Rs.25000/– for premium acquired, ensuring your parents. This available benefit increases to Rs.50000/- if anyone of the insured parents could be an oldster (senior citizen). Hence it’s an excellent tax-saving deal.

vi. Go Regular Medical Examination Health Checkups

Most people miss out on this tax saving tactic. It’s within the limit of 80D, i.e., Rs.25000; you can claim a deduction of up to Rs.5000/- once a year for health checkup for yourself, spouse, children, and fogeys.

You can also avail of a tax rebate of Rs. 15 000 for any expenses made on medical expenses yearly. This includes your family member living with you, i.e., spouse, kids, and dependent mom and dad.

vii. Tax On Your Home Equity Loan

This can be another good tax saver if you’re paying interest on home equity credit or aiming to buy a house. The interest paid on home equity credit will be claimed as a deduction from your income up to 2 lakh each year (for your own house). One can save an enormous amount by claiming this benefit and getting a rebate.

 There could also be a situation where you’ve purchased a house under construction, and you stay in rental accommodation during this era. During this case also, you’ll get the good thing about both.

viii. Education Loan For Higher Study (80E), A Topic To Save Lots Of Tax

If you’re curious about an educational activity or already pursuing it, you’ll be able to get a deduction under section 80E of taxation for your education loan. Interest paid on education loan taken for teaching is allowed as a deduction with none limit. It is often claimed for yourself, spouse, or children. Education means any study after passing the Senior Secondary Examination or its equivalent exam. The upper study will be in India or abroad.

ix. Kids Education And Hostel Allowance Must Be Claimed

If you have kids, do claim this exemption. (Annually: Rs.1200/- per child) You can get this deduction for an optimum of two children (Government check on population!). The allowance is very less, and it’s evident that the government has not kept pace with India’s rising cost of education. Something is better than nothing.

If you’ve got children in a hostel, you’ll be able to claim the Children Hostel Allowance (Annually: Rs.3600/- per child).

x. Reimbursements

A person can reduce tax rebates to a great amount by availing reimbursement for expenses done by you within the life of your company telecom expenses, fuel charges, driver expenses, purchase of knowledgeable staff, and accessories necessary in your employment, food coupons, etc.

Telephone Allowance: – Some companies pay for the mobile bills incurred by the employee every month. This mobile is usually postpaid to keep a check. The employee does not pay this amount and hence becomes non-taxable.

xi. Voluntary Provident Fund (VPF)

VPF reduces your income tax rebate and allows you to bring more money home. Even though it does not directly increase your income, it does help you in saving money. VPF may be anoptionalsum that you impart to your provident fund each month. This amount is completed exempted from tax and thus lowers the taxable amount.

3. Look For Other Sources Of Income

You can always look at a different life approach – one of which can be either working overtime or looking at career-changing options. Working overtime has many benefits,s including a big boost in your salary and making you more hardworking.

Turning a hobby into a side job is the best idea can imagine. As it does not bore you, and you also get to earn from your hobby.

4. Work Out A Raise And Always Try For Bonuses

Employers adjust their hiring rates based on market rates. If you have a higher rate in the market, you must ask for a bonus or a raise. If the demands are not met, then it is better to look for a job offering adequate pay for the skill set.

5. Ask For Incentives For Working Overtime

Many workers are currently not paid for their work completed in overtime. The Policy Institute states that “paychecks haven’t kept pace with their productivity partly because many lower-middle-class and even middle-class workers are working overtime but not getting bought it.” If you’re working overtime, see if you’re entitled to overtime pay and make the most of it.

6. Take Advantage of Employer-Incentive Programs

Many companies realize the worth of employee incentives and improve employee health to scale back stress within the workplace. Paying for a gym or such activities of lifestyle can be costly and time-consuming. Still, if your company supports the value, incentive programs’ advantages do not just affect the way of your life but also your wallet.

7. Join A Carpool

Carpooling can be done within the employees or among friends. Carpooling with friends and colleagues can lay aside a substantial amount of cash. Some communities have more formal arrangements like carpools organized through social networks, online forums, and websites.

8. Shop At The Correct Stores

We often don’t look at more than a place for a product because of being in a hurry. Selecting the right store to buy common households or general things can increase the savings by a fold.

9. Choose Cheaper Alternatives

In the name of brands, we often buy a normal thing at a very great price, unnecessary and a total waste of money. Hence one should always look at a cheaper and better alternative to save money. Studies show that almost a few crores are wasted every year by the people on these so-called brands.

10. Exploit Maximum Cashback Options

Cashback offers provide actual cash, which must be exploited to the best. These are in the form of gift cards, coupons, rewards, etc. hence these used to be used as they are not counted as deductions in tax payments.

11. Socialize On A Budget

Regular meal outs and a social get together deduct a huge amount from one’s salary. But there are other routes to save money while also being social. For instance, discount offers, buffet, buy 1 get 1 free deal, etc. can be considered before choosing a place to meet.

12. Avoid Unnecessary Bank Fees

You should try to avoid and dodge the fees applied to the overuse of ATM cards. Hence it is preferred to do cashless transactions than withdrawing from ATM and paying someone. Each bank has separate rules for fees that much be kept under observance.

Thus, this concludes a lot of money can be saved and earned if it is kept in proper check and used properly, keeping all aspects in mind.

FAQs

1. What is In-Hand Salary?

In-Hand Salary = It is the amount that reaches your account after all the deductions.  Monthly Gross Income – Income tax – Employee PF – Other deductions (if any).

2. How can I maximize my take-home pay?

Read the article given above.

3. What are several kinds of allowances?

There are basically3 kinds of exemptions or allowances for the Income-tax Act – taxable allowances, fully exempted allowances, and partially exempted allowances.

4. What is the best salary structure to save tax?

Following are some efficient ways to save tax and increase your pay:-

Employees’ Provident Fund (EPF).

Leave Travel Allowance (LTA).

House Rent Allowance (HRA).

Food coupons.

Car maintenance allowance.

Children education allowance.

Hostel expenditure allowance.

Phone bill reimbursement.

5. Can you take the benefit of both HRA exemption and house loan interest?

Yes, you can benefit under the conditions that you live on rent and your house property. This can happen in many situations, i.e., if you stay on rent in Mumbai for a job and your own house is in another city,i.e., Bangalore.

source http://invested.in/practical-ways-to-increase-your-take-home-salary/

source https://investedindia.wordpress.com/2020/11/25/practical-ways-to-increase-your-take-home-salary/

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suicide clause life insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :insurefinder.xyz

suicide clause life insurance

suicide clause life insurance is an exception to the rule, and is generally the last resort. If you have or and want to be completely frank with yourself about your situation, you want to be able to choose one of two responses at the moment when the insurance policy is most needed – either directly through the agent or via an independent agent. You may have been reading this review of Life Insurance for a while now, but I wanted to highlight the key considerations that must be taken with Life Insurance. The key elements are some of the following: One of the main reasons for this is to ensure that you are not overpaying for your coverage or are losing money fast. Life insurance is a vital product that provides lifelong protection, as it is important to protect against financial hardship in times of need. However, its investment is a form of money that is subject to a few different options – and the premium will vary from plan to plan. To find out what coverage types you need, you will need to know what the. suicide clause life insurance doesn t cover suicide. A common question that people have about life insurance is: How much will it cost?  First of all, a life insurance policy is a contract between you and the insurance company.  In the contract, you agree to pay the insurance company a certain amount of money per month to be paid.  This is called a death benefit.  If the policyholder dies during the policy term, the insurance company pays out a specific sum of money which falls under the . For example, if your life insurance policy covers $250,000, you will receive the $250,000 death benefit first.  The life insurance payout, called a death benefit, is the sum of the payment that the insurance company will make on your behalf.  If the insurance company doesn t pay your death benefit, you could be left with .  This is called a no-fault insurance system!  This means that your life insurance payout, referred to as your . It is your life insurance. suicide clause life insurance policies are a no-brainer. Since the insurance company is paying you the death benefit amount, they will only make the premiums for the amount of coverage you are buying. So if you are going to want to buy life insurance, you should also consider having a no-exam term life insurance policy that requires no medical exam. This will also help eliminate the high cost of some life insurance. Your parents will often ask, “Do I need a life insurance policy if a spouse is in the house?” Most insurance companies require you to carry a life insurance policy that will be for your entire adult life. This is because insurance companies need to maintain a certain amount of money to pay for expenses. So if you are looking to purchase a term life insurance policy, make sure you prepare yourself for the possibility that you won’t qualify for any types of life insurance policies because your parents also may be planning to take your business elsewhere. So while you may have to complete two separate policies.

Burial Life Insurance Policy and Suicide

Burial Life Insurance Policy and Suicide Insurance - $10,000 Death Benefit - $5,000 Family Business Insurance - $100,000 Family Business Insurance - $500,000 First Aid - $1,000,000 Accidents - $1,500,000 Family Business Insur-a-Life Insurance - $10,000 Disability - $50,000 Disability - $1,000,000 Accident - $50,000 Accident - $1,000 Accident - $1,000 Accident - $200,000 Uninsured Motorist - $5,000 Uninsured Motorist, Under-insured Motorist - $25,000 $500,000 Uninsured Motorist, Under-Insured Motorist - $100,000 $50000  Uninsured Motorist - $1,000000  Uninsured Motorist, Under-Insured Motorist - $250,000 Uninsured Motorist - $1,000 $120000  Uninsured Motorist - $1,000.

Term Life Insurance Policy Suicide Clause

Term Life Insurance Policy Suicide Clause does not protect life insurance underwriter. Also, life insurance underwriting guidelines vary by state. Underwriting is the process of looking at your individual medical history and the health information you ve submitted to the insurance company on the application.  If the insurer sees that your medical records and your health information were submitted by other people, these individuals could qualify for life insurance coverage.  If that person was not a party to an accident or incurred injuries, you could file a claim with the insurance provider.  This kind of insurance coverage will normally protect the life of the policyholder if there was an individual who was injured in an accident. Underwriting is the process of trying to understand how the insurance company is going to set the risk and premium for the policy after the policy is in force. This type of coverage can result in a premium that is more expensive than if the individual had purchased the policy independently if it had a low death benefit. If you are interested in purchasing a life insurance policy to protect your.

The Truth, Does Insurance Cover Death By Suicide

The Truth, Does Insurance Cover Death By Suicide Under California’s Code Of Ethics: There are also some very specific exceptions to the rule. The Code of Ethics states that it does not cover death by suicide within the scope of life insurance. For more details, click the below links for more details. Note: While and similar policies are generally purchased as a result of suicidal behaviors, a grandparent policy can also be substituted for an individual policy to insure against similar acts. Some states have outlawed the use of suicide references in life insurance policies. States do allow states to use suicide as an exclusion in premium quotes, but it still has so far not been a standard issue policy on the marketplace. For the time being, there is no clarity on what the . However, there is growing interest out there regarding how the use of suicide references is perceived in the industry today. While there is no information available yet on the prevalence of suicide within life insurance policies, it is definitely expected. People are finding.

Suicide and Burial Life Insurance

Suicide and Burial Life Insurance to qualify for this great plan. It also comes with certain discounts to help you secure coverage through this life insurance provider. With you have the choice of using only one insurer to build your savings plan. It will be able to afford that savings plan for you. This is a great insurance provider to look at for your , especially if you have a new or serious need for help. For example, if you’ve been involved in at least one of their automobile accidents, a new vehicle has the same insurance cost as that of an old vehicle. If you’re an athlete who took a defensive driving course and ended up in a serious accident, you can be eligible for this great plan. If you have completed either the defensive driving course or a high school class or have completed an advanced course, you can be eligible for this great plan with insurance companies you can rely on. These types of life insurance are designed to provide you with peace of mind in knowing you are well connected, but.

Is There Any Other Times when a Life Insurance Policy Won’t Pay Out?

Is There Any Other Times when a Life Insurance Policy Won’t Pay Out? A Life Insurance Policy can’t Cover Your Father if Your Father died suddenly, but if your father doesn’t die, then a life insurance policy can help you with funeral expenses. In , if your father died suddenly, then a life insurance policy will pay out. If your dad didn’t die, then a life insurance policy can help by providing financial aid for funeral expenses and money for a college education. For and , a life insurance policy can cover your father in the event you died suddenly. As far as a life insurance policy goes, you have the right to appeal a decision to the company. If a company decides that they won’t pay the claim, their policy can either be or . Depending on the company, they may have to pay $100 to $300 of premium per month for their policy. A life insurance payout might be easier to access, but it also has the potential to make a large financial impact on your life..

Understanding Contestability Provision for Suicide Life Insurance

Understanding Contestability Provision for Suicide Life Insurance – Death Benefit Protection Period – Death Benefit Increase – In-force Discount – Death Benefit Increase – Increase Premiums on Death Benefits When You Don’t Have Your Head Covered by Life Insurance – This policy provides a “death benefit” increase every five years. The amount of the additional benefit is based on the current average of your life expectancy compared with the age at which you were put on your policy. The premium decreases as your life expectancy increases. For instance, the rate of return of a policy can be very large when compared to the rate of return of a policy and it depends on the health of your policy. Life insurance policy benefits can vary by many different factors. All you will need to do is answer a few health questions and then the insurance company will give you a call to provide a quote for you. You’ll have five to ten minutes to get both the best price for the coverage and help with your application to the insurers. <|endoftext.

When Does a Life Insurance Policy Cover Suicide

When Does a Life Insurance Policy Cover Suicide?: If your insurance carrier has committed to covering your life insurance policy, you must have an insurance policy written out before the policy is active. The death benefit will be paid out upon your death (that is, in the form of a lump sum or term). For other policies, you may have to purchase early before the policy is active. You can purchase an insurance policy through most online companies, or by speaking with a licensed agent through the National Association of Insurance Commissioners (A-MA), or from one of two insurance companies who can sell you insurance. This is known as signing onto the insurance. If you have a , you may need to purchase an early insurance policy. Because the life insurance policy is not written, it is not the same as an policy. What You Need to KnowAbout the insurance company: If you don’t know what the insurer is, you are not clear. If the insurance company is not a life insurance company, then you may find yourself in business.

Ready to compare quick life insurance quotes?

Ready to compare quick life insurance quotes? Just CLICK below to compare fast life insurance quotes online, in just a few minutes. If you’re ready to get started, we can help. We are a life insurance broker and we offer companies from several different carriers. We look to build our portfolio with your feedback while focusing on your unique needs with no extra cost or obligation. So, we want you to be the first to find the best insurance policy to protect you the right way. From life insurance, to retirement solutions, and more, when it comes to insuring your family, what will life insurance look like? Life insurance is an essential part of a long and prosperous life. Having a life insurance policy can help ensure your loved ones are financially protected if you pass away unexpectedly. It can also be a significant benefit for family for the long term. Most people do not need life insurance coverage because they have already died but their family is always required to pay for their future. It is important that you understand just how important life insurance.

What is a Life Insurance Suicide Rider?

What is a Life Insurance Suicide Rider? A life settlement rider is a little more common than most people think. It’s an awesome perk of the life settlement rider. It gives you the ability to purchase a life insurance policy with a suicide rider if you get into an accident. This isn’t an individual life insurance rider, it’s an individual life policy that you can purchase through the life settlement, to help with the transition between policies and when they might be cancelled. There is always a possibility that you might not be able to purchase it because you’re covered, which is the reason many people can’t go through the life settlement. In a few cases, your life settlement rider might not fit your budget, but that’s not the end of a life settlement rider. If you’re not 100% covered – and then we don’t recommend it for you to buy it if you do have an accident, then you’re not really insured. It might be.

Summing It Up – Suicide and Life Insurance

Summing It Up – Suicide and Life Insurance Chapter 8 The insurance agent who sold you on the life insurance policy did not inform you that the policy would pay a death benefit in the event of a terminal illness or terminal illness after you die. The policy would just stay on life insurance. So the only question is how much time it would take for a payout? That depends on the type of policy you have. To determine what a universal life insurance policy is going to pay in the event of you dying with a terminal illness, or to determine how long the term would take after a terminal illness, you’ll want to have an idea of how long it would take for you to get your life insurance policy. After all, many people don’t know when to buy life insurance when only taking out a policy. So the only way that you can truly know what coverage I am talking about is by being present. The insurance agent is going to sell you an insurance product so you have a chance to purchase one yourself without really having to.

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New Post has been published on Strange Hoot - How To’s, Reviews, Comparisons, Top 10s, & Tech Guide

New Post has been published on https://strangehoot.com/how-to-do-regression-analysis-in-excel/

How to Do Regression Analysis in Excel

Regression Analysis is a technique to forecast the relationship between data variables of entities such as customers, orders, transactions etc. These are the parameters based on which business decisions can be taken for sales, finance and marketing operations. To understand this in a simpler way, let us take some examples.

Example 1 – Risk Analytics in Retail Banking

Credit risk scores of customers are built by the banking industry to predict the customer’s delinquency behavior and to evaluate credit worthiness of each customer while processing loan applications.

Example 2 – Marketing Analytics in eCommerce

To predict customer’s buying patterns based on the customer’s past transactions from an online portal. The e-commerce industry is highly competitive so they use analytics to predict customer’s purchasing patterns.

Example 3 – Pricing Analytics in Stock Market

Stock brokers and investors use analytics to forecast stock pricing based on the past 52-week pricing trend and many other parameters. The analytics helps them to make the decisions on buying or selling the stocks based on the future pricing predictions.

Example 4 – Behavioral Analytics in Human Resource Industry

Human resource departments / companies use analytics to predict employees’ behavioural patterns that will enable them to decide the increment or promotion to be given on a yearly basis.

Regression Analysis Basics

Before we go for how to do regression in Excel taking a case study, let us understand the dataset and its components.

Population vs. Sample

Population is referred to as all members of a defined group that are considered for studying information on data driven decisions. For example – Current inflation rates of EU countries.

Sample is a part of “population”. It can be biased or unbiased. For example – Current inflation rates of EU countries having per capita income < 50000 EURO per annum.

Types of Data Variables

The below diagram shows types of data variables under each category.

Data Snapshot

The table below gives an example of data snapshot with different data variables.

#Cust.NameCust. IDNo.Of credi cardsGenderMaritalStatusAgeAnnualSalaryMonthly Credit Card Usage1Josh1116695FNeverMarried4388,001Low2John2231126MMarried24592,330Low3Alen1891234MDivorced50272,304Low4Chaya1716903FMarried37140,400Low5Dandre166256MNeverMarried23105, 234Low6Justin1491717MDivorced34358,534Low7Neil1692545MMarried36510,321Low8Emily1497712FNever Married26164,732Low9Janice1756462FMarried35103,345Low10Farhan1706394MNever Married63724,788Low11Tony1131363MMarried70105,450Low

Let us understand the data variables available in the above table.

#Cust.NameCust. IDNo.of credit cardsGenderMaritalStatusAgeAnnualSalaryMonthly Credit Card Usage–––Numerical (Discrete)Categorical (Binary)Categorical (Nominal)Numerical (Discrete)Numerical (Continuous)Categorical (Ordinal)

Summarizing Data

The next step is to summarize data in a presentable format that will give the report on which analysis can be done. The ways to summarize the data are as follows:

Frequency Distribution – this is a simple way of counting distinct discrete values. For example – Number of credit cards owned by 3000 customers as sample data. Can be shown as tabular format or as a graph using Excel.

Steps to do this in Excel:

Go to the Data tab in your Excel Worksheet. 

Click Advanced. The dialog is shown

Go to the Number of Cards column. Sort them into ascending order of values.

Insert the formula in # of customers to set the frequency.

You will get the values as below.

Go to the Insert tab. Click the Column icon. Select the 2-D Chart.

The chart will be generated and shown as below.

Grouped Frequency Distribution – this is a method to summarize discrete variables having a large number of observations and range of values. For example – Number of customers falling under different salary ranges or groups.

Follow the steps in Excel as per instructions given in the screen below.

Cumulative Frequency Distribution – this is obtained by accumulating the frequencies to give the total number of observations up to and including the value or group in question. Illustration as per screen below.

Steps to calculate the cumulative frequency distribution are give in the screen below.

Stem Leaf Diagram – this technique is used in a limited set of data. For a large set of data, this method is not used. Example : Given age of 20 individuals in years. 

Line Plots – this technique is also not suitable for a large set of data. It is not extensively used in the industry. Example: Given test scores of 20 students.

Measure of Central Tendency – Median

The central tendency measure is robust to the effects of extreme observations. 

The median is a value, which splits the data set into two equal halves. Example – Calculate the median for a sample of 3000 individuals having credit cards along with demonstration of extreme observations.

Measure of Central Tendency – Mode

It is the value which occurs with the greatest frequency or the most typical value. For Example, finding the mode for a sample of 3000 individuals having credit cards. Excel has an in-built function “Mode” for granular data. For summarized data, it can be found easily by visual inspection. Illustration as below.

Measure of Spread

The different measures of spread are – 

Variance and Standard Deviation – below screen shows how to calculate the values.

The Range – It is a very simple measure of spread defined, as its name suggests, by the difference between the largest and smallest observations in the data set.

The Inter quartile range – the quartiles divide a set of data into four quarters. They are denoted by Q1, Q2 and Q3. Q1 is called the lower quartile and Q3 the upper quartile. Following image shows how to calculate Inter quartile Range for a sample of 3000 individuals having credit cards.

Symmetry and Skewness of data

It represents the shape of the distribution of a dataset, that is, whether it is symmetric or skewed to one side or the other.The approximate shape of a distribution can be determined by looking at a  histogram. The below diagram shows mean, median, mode and variance for symmetric and skewed data.

Tabular representation of data as shown below.

After evaluating the dataset by the above measures and techniques, a regression analysis can be conducted. Now, the question is which type of regression model is required for predictions.

The next section describes the measures that will state the relationship between the data variables and determine how strong the relationship is between identified variables.

Regression Analysis Models

Following are different techniques or formulas that are used to do regression analysis. These techniques are nothing but different formulas or equations that are used to determine the relationship between X and Y variables.

Covariance and correlation coefficient are the measures used in regression analysis. 

Covariance is a measure that helps to find out the direction of relationship between x variable and y variables. In simple terms, what happens to y when x increases or decreases. 

Following equation is used to determine the covariance measure.

Correlation coefficient is the measure that tells how strong the linear relation is between X and Y variables. It is termed as r value that determines the quality of a model. The parameter is represented by p or r values. 

Population correlation is denoted by ρ (rho)

Sample correlation is denoted by r.

Following equation is used to determine the correlation coefficient measure for population data.

In real life data analytics, the correlation measure is calculated on sampling distribution. There are a couple of reasons why the sampling is used for analytics.

The physical impossibility of checking all items in the population.

The cost of studying all the items in a population.

The sample results are usually adequate.

Contacting the whole population would often be time consuming.

Features of ρ and r

Unit free and ranges between -1 and 1

The closer to -1, the stronger the negative linear relationship

The closer to 1, the stronger the positive linear relationship

The closer to 0, the weaker the linear relationship

Negative Linear Relationship 

Positive Linear Relationship 

Relationship Not Linear

No Relationship

Tools used to do Regression Analysis

Following software tools are the most used in performing Regression Analysis. The oldest tool is Microsoft Excel. 

SAS (www.sas.com/)

SPSS (http://www-01.ibm.com/software/analytics/spss/ )

R (http://www.r-project.org/)

Microsoft Excel (http://office.microsoft.com/en-in/)

As the spectrum of analytics is widened, dataset volume has increased, the data scientists have started using Python.

We will see a case study to run regression analysis in Excel.

Case Study

An Auto Insurance company having the data of “Loss” amount and policy related information. The company wants to know the factors responsible for losses in multivariate fashion using a regression model.

Prior to running the regression model, following things needs to be in place.

Variable identification –

Identifying the dependent (response) variable.

Identifying the independent (explanatory) variables.

Variable categorization (e.g. Numeric, Categorical, Discrete, Continuous etc.)

Creation of Data Dictionary

Response variable exploration

Distribution analysis

Percentiles

Variance 

Frequency distribution

Outlier treatment

Identify the outliers/threshold limit

Cap/floor the values at the thresholds

Independent variable analyses

Identify the prospective independent variables (that can explain response variable)

Bivariate analysis of response variable against independent variables

Variable treatment /transformation

Grouping of distinct values/levels

Mathematical transformation e.g. log, splines etc.

After performing the above data related activities, the last step is iterative in terms of running the regression.

Fitting the regression (first time)

Check for correlation between independent variables

This is to take care of Multicollinearity

Variable selection

Check for the most suitable transformed variable

Select the transformation giving the best fit

Reject the statistically insignificant variables

Fitting the regression (iteration)

Analysis of results

Model comparison

Model performance check

Actual vs Predicted comparison

Steps to do regression analysis in Excel

We will perform the following steps in Excel with reference to the case study explained in the section above.

Data Analysis

Step 1. Snapshot of Data and Data Description

The above data contains policy holders’ and loss amount information (variables)

Policy Number

Age

Years of Driving Experience

Number of Vehicles

Gender

Married

Vehicle Age

Fuel Type

Losses (Dependent/Response Variable)

A Data Dictionary is formed as below.

Sl #Variable NameVariable DescriptionValues StoredVariable Type1Policy NumberUnique Policy NumberUnique value identifying the policyIdentifier2AgeAge of Policy holder16, 17,…,70Numerical (Discrete)3Years of Driving ExperienceYears of Driving Experience of the Policy holder0,1,….,53Numerical (Discrete)4Number of VehiclesNumber of Vehicles insured under the policy1,2,3,4Numerical (Discrete)5GenderGender of the Policy holderF, MCategorical (Binary)6MarriedMarital status of the Policy holderMarried, SingleCategorical (binary)7Vehicle AgeAge of vehicle insured under the policy0,1,…,15Numerical (Discrete)8Fuel TypeFuel type of the vehicle insuredD, PCategorical (Binary)9LossesLoss amount claimed under the policyRange: 13- 3500Numerical (Continuous)

Step 2. Frequency Distribution – Loss amount

Step 3. Calculate Capped Losses using grouped frequency distribution

Step 3. Perform variable analysis in Excel. The first bivariate profiling we will do for Age vs. Capped Loss for policies.

Step 4. The second bivariate profiling we will do for Years of Driving Experience vs. Capped Loss for policies.

Step 5. The next bivariate profiling we will do for Gender vs. Capped Loss for policies.

Step 6. The next bivariate profiling we will do for Marital Status vs. Capped Loss for policies.

Step 7: The next bivariate profiling we will do for Vehicle Age vs. Capped Loss for policies.

Step 8: The next bivariate profiling we will do for Vehicle Age Band vs. Capped Loss for policies.

Step 9: The next bivariate profiling we will do for Vehicles vs. Capped Loss for policies.

Step 10: The next bivariate profiling we will do for Fuel Type vs. Capped Loss for policies.

Preparing Excel for Regression Analysis

Step 1: Open Office icon from the toolbar.

Step 2: Go to Excel Options.

Step 3: Click Add-Ins.

Step 4: From the Manage drop-down, select Excel Add-ins.

Step 5: Select the Analysis Toolpak check box and the Solver Add-in check box.

Step 6: Select the Data tab. Click Data Analysis. 

Step 7: In the Data Analysis dialog box, click Regression.

Step 8: Select the data cell reference range. Click OK.

Step 9: See the summary results as below.

Step 10: Picking up the variables based on the following activities.

We will perform the following tests to select by running :

Multicollinearity

Banding of variables

Statistical significance of variables tested

List of independent variables:

Age

Age Band

Years of Driving Experience

Number of Vehicles

Gender

Married

Vehicle Age

Vehicle Age Band

Fuel Type

“Age” and “Years of Driving Experience” are highly correlated (Correlation Coefficient = 0.9972). We can use either of the variables in regression.

Fit two separate models using either of the variables one at a time. Check for goodness of fit (R2 in this case).  The variable producing higher R2 gets accepted.

Age

Regression Statistics (Age)Multiple R0.475766R Square0.226354Adjusted R Square0.226303Standard Error201.2306Observations15290

Years of Driving Experience

Regression Statistics(Yrs Driving Experience)Multiple R0.475273R Square0.225885Adjusted R Square0.225834Standard Error201.2916Observations15290

R2 for Age > R2 for Years of Driving Experience

Reject Years of Driving Experience

Banding of Variables

Investigate whether to use “Age” or “Age band”

Fit regression independently using “Age” and “Age Band”

Before fitting regression, “Age Band” needs to be converted to numerical form from categorical. Replace “Age Band” values with “Average Age” for the particular band.

Age BandSum of Age# PoliciesAverage Age16-25      93,770.0     4,563.0                 20.6 26-59    270,793.0     6,384.0                 42.4 60+    282,636.0     4,343.0                 65.1 

Regressions results using “Age” and “Average Age”

Regression Statistics (Age)Multiple R0.475766R Square0.226354Adjusted R Square0.226303Standard Error201.2306Observations15290

Regression Statistics (Average Age)Multiple R0.509969R Square0.260068Adjusted R Square0.26002Standard Error196.7971Observations15290

R2 for Average Age > R2 for Age

Select “Average Age”

Investigate whether to use “Vehicle Age” or “Vehicle Age band”

Fit regression independently using “Vehicle Age” and “Vehicle Age Band”

Before fitting regression, “Vehicle Age Band” needs to be converted to numerical form from categorical. Replace “Vehicle Age Band” values with “Vehicle Average Age” for the particular band.

Vehicle Age BandSum of Vehicle Age# PoliciesAverage Vehicle Age0-5                            9,229                 3,688 2.506-10                          44,298                 5,523 8.0211+                          78,819                 6,079 12.97

Regressions results using “Vehicle Age” and “Average Vehicle Age”

Regression Statistics (Vehicle Age)Multiple R0.289431325R Square0.083770492Adjusted R Square0.083710561Standard Error218.9903277Observations15290

Regression Statistics (Average  Vehicle Age)Multiple R0.303099405R Square0.09186925Adjusted R Square0.091809848Standard Error218.0203272Observations15290

R2 for Average Vehicle Age > R2 for Vehicle Age

Select “Average Vehicle Age”

Now, we have identified the variables that can be used in fitting the regression model.

Age Band in the form of “Average Age” of the band (selected out of “Age” and  “Age Band”). Also got selected over “Years of Driving Experience”.

Number of Vehicles

Gender

Married

Vehicle Age Band in the form of “Average Vehicle Age” of the band (selected out of “Vehicle Age” and  “Vehicle Age Band”). 

Fuel Type

Step 11: Categorical variables to be converted to their numerical equivalent (0,1)

Gender (F = 0 and M = 1) 

Married (Married = 0 and Single = 1)

Fuel Type (P = 0, D = 1)

Snapshot of the final data on which we will run the multivariate regression.

Step 11: Run Regression. 

Summary of Output

SUMMARY  OUTPUT  Regression StatisticsMultiple R0.865972274R Square0.749907979Adjusted R Square0.749809794Standard Error114.4310136Observations15290ANOVA dfSSMSFSignificance FRegression6600073213.5100012202.37637.7510880Residual15283200122584.413094.45688Total15289800195798    CoefficientsStandard Errort StatP-valueLower 95%Upper 95%Lower 95.0%Upper 95.0%Intercept624.565295.29192118.022330.00000614.19249634.93809614.19249634.93809Avg Age-5.559740.06546-84.938890.00000-5.68804-5.43144-5.68804-5.43144Number of Vehicles0.178750.970390.184200.85386-1.723332.08082-1.723332.08082Gender Dummy50.883261.8908126.910840.0000047.1770554.5894747.1770554.58947Married Dummy78.398371.9214840.801060.0000074.6320482.1646974.6320482.16469Avg Vehicle Age-15.142200.26734-56.639870.00000-15.66623-14.61818-15.66623-14.61818Fuel Type Dummy267.935592.7484597.486140.00000262.54830273.32287262.54830273.32287

Results Interpretation

Significant Test

Significance test of coefficients based on Normal distribution

H0: b is no different that 0 (i.e. 0 is the coefficient when the variable is not included in regression)

H1: b is different than 0 

Test statistic, Z = (b-0)/σ  (at 95% two tailed confidence interval, Z = 1.96)

Confidence interval = (b – 1.96 * σ, b + 1.96 * σ)

For the variable to be significant, the interval must not contain “0”.

Example1: Avg Age.

Confidence interval = (-5.560-1.96*0.065, -5.560+1.96*0.065) = (-5.688, -5.431)

No zero in the interval. Hence, significant.

Example2: Number of Vehicles

Confidence interval = (0.179-1.96*0.970, 0.179+1.96*0.970) = (-1.723, 2.080)

Zero is present in the interval. Hence, insignificant.

Summary output after removing insignificant variables.

Predicted Losses = 625.004932715948 – 5.5596551344537 * Avg Age + 50.8828923910091 * Gender Dummy + 78.4016899779131 * Married Dummy -15.1420259903571 * Avg Vehicle Age + 267.935139741526 * Fuel Type Dummy

Interpretation

Takeaway

Running regression in Excel gives you more confidence on your model as you are running each step manually. It is a time consuming and lengthy process, but you get to learn more on datasets and output summary. Other tools such as R, SAS and Python give you quick results but you will not be able to know the algorithm behind the code that is executed and have given you the results.

[funeralinsurancenz-blog]

Have you got enough Funeral Cover? Check out now!

This blog explains all the factors to consider while choosing the best funeral cover.

What is funeral insurance?

Funeral insurance, unlike life insurance, covers you at the time of your death in terms of expenses. It takes care of the listed death expenses and debts (if any) so that your family does not suffer.

Though a basic funeral cover won’t cost you as much as the life insurance, it is critical to ensure that you are buying the right ones.

Let us look at the factors you must consider while buying burial cover                                                                                                                                              

1.      Coffin or Casket The prices of coffin can range from $500 to $50000 for a top range Gold casket. It can cost you more if you want a customized one.

2.      Burial Site Local burial sites are quite cheaper than private cemeteries but it sometimes becomes challenging to find a space in the grave. So, make a choice where you want to be buried.

3.      Memorial Headstone For the headstone, the cost depends on the material, the design, and the lettering on the stone. The price can start from $20 to $200.

4.      Transport Transport is a must for the deceased and family. If you have purchased funeral cover, then transport services will be provided for free by funeral directors within a specific range of distance. Moreover, you can ask for a bus, train, or even plane tickets.

5.      Miscellaneous With that, it includes trestle tables and chairs, juice, water, transport for friends and relatives and food. The cost depends on how many people you might expect.

If you want to purchase funeral insurance so that your family won’t suffer financially, compare the best funeral cover by visiting our official site!

[subhraglobal]

Though the best way to take care of our parents is to safeguard their good health but it is not possible to know the exact problem or illness before time and anything can happen at any time so it will be best to have a health insurance for them so that they can be treated well and right in the right time.

Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger.

Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. There are various kinds of health insurance policies such as Individual Health Insurance Plans, Family Floater Plan, Children Insurance Plan, Car Insurance Plan, Mediclaim etc. But it is advisable to buy a policy for the parents or old persons of the house as it gill protect them in the time of critical illness or provide the expenditure while hospitalization. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer. /P>

In today’s scenario, the expenses on hospital treatments is increasing day by day which lead the families in problem to fulfill their need while maintain the hospital bills. None can assume about the expenses on hospitalization as the diseases don’t come with previous knocking and the treatment is also can’t be guessed, so it is impossible to keep aside a big amount of fixed money aside for covering the situation. All these policies come with different benefits for insured but they all have common and clear intention which is protecting insured’s money from getting eroded as these hospital expenses an be a big problem. Here are the five common benefits provided by every health insurance plan described below:

Pre and Post hospitalization expenses: Though all insurance companies almost cover hospitalization charges, still it is better to check pre and post hospitalization expenses before buy covers. These costs could be a burden later depending on the type of illness and treatment required.

List of covered diseases: The policy that insured have some feature of enhancement to the current benefits which could be a result of insurance companies subscribed plan, regulatory mandate or it can also be because the insurance company has decided to expand these benefits for not claiming anything.

Top-up: There will be some cheerful moments in everyone’s life where insured will feel that their current health insurance cover might not be enough and they need to expand their cover. But getting a new health insurance plan can be a new procedure so there the top-up option comes in handy. These top-up plans allow getting extra sum assured on top of the existing cover.

Income tax benefit: Payments can be done towards Health Insurance qualifies for deduction under Section 80 (D) of the Indian Income Tax act and if anyone buys health insurance for himself or the family then he/she will get a tax deduction up to Rs. 25000 and if also take a policy for senior citizens then the tax benefits will be available increases up to Rs 50000.

Extra benefits: Insured can also choose extra benefits for ambulance charges, day care procedures, health check up and vaccination charges.

source

www.policyboss.com