How to Compare and Buy Term Life Insurance Online, Without a Hassle
Most Consumers will agree that purchasing life insurance is about as fun as riding a donkey across the desert. While we all know we need it for our family, we tend to put it at the bottom of the list of to do’s simply due to inconvenience. In the current day most families are extremely busy with work and family and may find it difficult to set up a time to meet with an agent. Taking into account these obstacles how can state of the art technology change the way consumers shop for and purchase life insurance?The Consumer Online Search Trend
There has been an online shopping trend emerging since the early 1990′s when insurance marketers first began offering quoting aggregators to consumers seeking insurance comparisons. Since then consumer comfort level has increased using the Internet to both search and shop for auto, health and most recently life insurance. Statistically fewer consumers are searching the phone directories and are directing their search towards the Internet for fast results. People seem to be just as comfortable working with a local or national agency they found on the web as they were in years past with the local door to door insurance salesman. Many of the top trusted insurance carriers now offer online insurance quoting as evidenced by the advertising of the domain names and 1-800 numbers in publications and on television in recent years. Today these carriers offer a combination of real time quote engine, simplified issue underwriting, online applications and e-signatures in order to expedite the underwriting process and make the whole process easier for the life insurance purchaser.Life Insurance is too Complicated To Purchase Online
Some forms of Life insurance such as variable life, universal life and investment type policies may require a more hands on approach, most families purchase term because it is cost effective and serves a purpose during the highest risk years when you own a home and have young children and a spouse to protect. Term insurance is not complicated if you know what your looking for here are a few guidelines to consider when searching online;Simplified Issue Life Insurance is Fast
If your relatively healthy no more than one or two minor health issues like arthritis and cholesterol or there are no health issues of which you are aware of you can usually qualify for the non -medical life insurance. This is the path of least resistance, and does not require a physical exam, which consists of blood and urine to check for any health issues or abnormal readings. You can quote and apply directly online from the agent/agencies website if you choose. These policies are typically issued for standard or better rating classes by simply asking a few health questions and issuing the policy on accept/reject basis. You should be aware that online term insurance purchases are limited to $500,000 for this type of application method. Also verify that the policy has a guaranteed premium for the length of the term period and will not increase during the term, and that that it does have a level death benefit upon the death of the insured. Lastly do not confuse accidental death insurance with straight term life insurance.Use a Licensed Agent that uses Technology
The other option when searching for life insurance online is to run life insurance comparisons on quote engines, however be care full to avoid the websites that say they do not sell insurance but simply send out your info for agents to compete. These website companies are created only to sell your data to a multitude of agents. Simply run your quote directly on the agent /agencies website, this way you will only be contacted by an agent from that organization and your personal information will be kept private. By utilizing an agent/ broker you can shop for the best rate from among many of the top carriers, but more importantly an agent can help guide you to the carrier that will give you the best rate class for your health. All carriers have different underwriting guidelines and a broker/ agent who has some knowledge of these carriers can help you obtain an approval if you have some health concerns. Many agents today use state of the art technology platforms that connect directly to the carriers and can take you application over the phone and electronically schedule the physical exam during the application process and have the examiner bring the application for your signature at the date of the exam. The carrier pays for the exam so you essentially are able to get an approval, support from an agent and be provided an offer prior to accepting the policy terms. Even if you qualify for the non medical life insurance an agent can save you vital time by taking the application by phone and help you avoid carriers that will not approve you.Conclusion
While many insurance companies are marketing directly to consumers remember the independent broker can typically offer you a multitude of options for your health, age and weight from a variety of the top trusted carriers insuring that you obtain the most affordable coverage to protect your family’s needs if you were unable to do so. This is a technology tool that allows life insurance buyers to benefit from an agent’s knowledge of companies and products, the ability to reduce the application and approval process from months to days or minutes and also improves the overall buying experience. Remember you can get a quote for lowest preferred best rate anywhere but by combining technology with knowledge an agent can give you good perspective of where you may find the best terms for your situation.
Gambling Fraud – Know About The Scams Of Offline Gambling
There are many people who are becoming poor day by day because of hike in the needs of the people. At any situation one can find human trying to sustain his existence by doing something or the other to meet their needs.
By involving in bad and illegal activities these days people are trying to earn their living. There is no doubt that people who involve themselves in gambling activities are getting into dishonest activities. The gamblers very conveniently use up certain dishonest ways to deceive the opponents and obtain victory.
Various illegal activities used in offline gambling.
Many people believe that online gambling involves certain dishonest activities to achieve easy win. Indeed, a general opinion given by many people goes that there are less illegal moves in gambling through internet when compared to live gamble.
Theft of identity is the most rampant in people who gamble. This is very obvious because many gamblers use their cards to get the commodities in the gambling spot.
The people who aren’t aware of such an illegal act easily get into problems. A survey conducted by the FBI brings out the fact that nearly 3,00,000 to 5,00,000 people fall prey to this scheme of theft each year in the U.S. this survey shows that many people aren’t aware of this type of theft.
Steps to escape from such schemes
Educating one about these fraudulent activities is the only way of escaping from falling prey to these activities. Possibilities of a dishonest activities happening can be easily identified by knowing about the various cheating schemes opted by the cheaters. As people aren’t aware of these activities there are many people who are affected.
About 11 grievances a day received by Financial Crimes Division of secret service and about 200 to 550 calls per day that have problems associated to this scheme. This is because they do not have enough knowledge about these illegal activities they easily fall prey to them and also that it pretended legal to them.
There would not be any problem if the people make themselves aware of the various events that take place. It would be better if the people educate themselves about these happenings so that the culprit can be identified and reported to the cops.
The people cannot claim excuse disclosing their insufficient knowledge about this. It is better if people have enough knowledge about this.
Online Gambling Risks – Kicking Out The Ifs And Buts?
Scams
There are many risks involved in online gambling. The game itself involves a lot of risks, however, aside from this, there are many other risks and are not very uncommon either. The internet has spread its wings over a wide span and many untrustworthy people have misused the internet and have found ways to do fraudulent things against honest people and harvest money from people which they have not earned by themselves.
The risks of online gambling come in a variety of sizes and shape and along with these, scams risks is also there.
Hence, it must be known whether the casino you are involving yourself into is a legitimate one or not. Nowadays, it is the hardest thing that can be done. Some fraudulent casinos just have to copy the documents of a legitimate casino by forging fake documents, certifications and memberships. However, these banners must be aware of as they can be easily copied too.
The one and only way in which you can ensure that you have entered a casino organisation which is trustworthy and look if they are approved by organisations like Interactive Gaming Commission. In case you are actually invited to some organisation, then do not make any deposit. Instead, check their certifications and ensure that they are very much true by researching about them on the net using the certification.
Most of the gaming sites online have search functions that will let you search for members. In most of the scam casinos, people do not take time and become members as they may have to easily change their name to something else and easily snivel out of any problem if any occur or if their scam is discovered.
Like in any other gambling form, the game does not only pose the risk. The risk that is to be taken is a part of the game. However, in this case, the risks are far deeper than losing and winning money.
Also, getting addicted to gambling is the highest risk posed.
Gambling should just be entertainment and nothing more. It is not something that is going to give you a lot of money or gold. This is the thing that causes most of the threats: People think that Casino is the fastest way to get money.
You must know that a gambler taking low risk just looks at offline and online casinos as nothing more than an entertainment. If you begin to think that you can live on it, then you are on your way to addiction.
To reduce the risk of gambling, you should limit yourself. Play only for the planned amount of money and the planned amount of time, not more. You must draft the amount of cash that is to be spent that day on gambling on paper and must severely adhere to it.