The Best Life Insurance Rate

When any individual is thinking about the life insurance rate, it does not mean that the cheapest rate would be the best policy. It is rightly said that, you get what you pay for. Same implies for the insurance policy rates. If you are looking at discounted life insurance policies then you would ultimately come across only those which do not have any added benefits. Low rates only ensure a low quality life insurance policy.

Life insurance rates would require you to look into the age factors and the kind of policy and the features you are looking for. You would also need to know the amount of coverage you are looking for. These three factors would help you narrow down to a list of insurance companies which would offer you the best rates.

Life Insurance Rates – Types Of Policies

Term insurance policies are taken out only for a specific term. There would be a payout to the beneficiaries in case of the death of the policy holder within the term. Term life insurance rates are subject to change with the increase in age of the policy holder. The premium rates keep getting higher with time.
Whole life insurance policies last you a lifetime. The premium amount would be higher than the term policy making this option a less preferred one. The amount of premium does not change in the whole life policy and remains the same lifelong.

Don’t be misguided into thinking that the lowest loan rates are the best life insurance rate. Most policies offering discounts and low rates are no good and you must always do proper research before deciding which policy to buy. Try and look for a policy which offers you a good rate regardless of your age. The policy should also offer you the maximum coverage in the minimum cost. These would determine the rate of the policy you would need.

Do some research on the internet by visiting the insurance portals. Here you would be able to locate almost all the major and minor insurance companies, and the features they are offering. You could even get the life insurance quote online within no time. Compare the quotes offered by the different insurance companies and zero down to a few. When you have a list ready of the few companies which are offering you good rates, ask around for further details on the insurance companies.

Nowadays, life insurance has become the need of the day, and everyone should take a policy to ensure the safety of their loved ones. However, just remember that a lower life insurance rate does not necessarily mean that the policy is the best one. Shop around for all the required details before buying a policy.

Scientific Reasons Behind Why You Should Visit Hindu Temples

The common notion is that a visit to the temple is just to pray for God’s blessings. But the truth is that, temples are the best places to relax and to calm your body and mind, too. That is a scientifically proven fact. Here is why:

The Location and Structure of the Temple

Temples are filled with positive energy because they are built in a particular way. For instance, the main idol is placed at the centre of the temple, known as Moolasthanam, where earth’s magnetic waves are found to be quite strong. And the structure of the temple is built around it. That is reason for the positive energy.

Removing Your Footwear before Entering Temple

Temples are epicentres of positive energy. The floor at the centre of the temple is a good conductor of these positive vibrations. And if you want to allow positive energy to pass through your feet to the body, you should not use footwear. Another reason is that shoes and chappals will have all the impurities as you use it everywhere. Hence they tend to spoil the pure environment of the temple.

Activating the five senses

All five senses in your body should be activated if you want to absorb the positive energy in the temple.

Ringing the Temple Bell

The hearing sense is activated by ringing the temple bell before entering the inner temple. If you have noticed, after ringing the bell the sound lasts for 7 seconds in echo mode. This timeframe is sufficient to turn on all the seven healing centres in our body. Our brain will also be free from all kinds of negative thoughts. The idol also absorbs the bell sound and it is vibrated within the Moolasthanam for some time.

Lighting Camphor In Front Of Idol

The sight sense is activated by lighting camphor. The inner core where the idol is placed is usually dark. When you pray you close your eyes and after that you open your eyes and see the camphor, which is lit to do the Aarthi. Your sight sense is activated when you see the light after the dark.

Placing Hands over the Camphor Flames

After offering the prayer the camphor is brought to you, and you usually put your hands over the camphor to make your hands warm and then you touch your eyes with your warm hands. This is to activate the touch sense.

Offering Flowers to God

Flowers are beautiful to look at. They are soft and have a lovely fragrance. Only certain flowers that have fragrance like jasmine, rose, and marigold are used in offerings. It is to keep your smell sense active that flowers, incense sticks and camphor are used in temples.

Drinking Theertham

A silver or copper vessel is used to pour Theertham, which usually has thulsi leaves. It is kept aside for eight hours in the copper vessel. This is to positively charge the water. To balance all the three doshas in your body (vata, pitta and kapha) water should be stored in a copper vessel, which is a scientifically proven fact according to Ayurveda. You activate the taste sense by drinking this Thulasi water.

Doing Pradakshina around the Moolasthanam

The Moolasthanam absorbs all the energy and your five senses are also activated when you ring the bell, light the camphor and offer flowers and fruits. You tend to absorb all these positive vibrations when you do the pradakshina.

Applying Tilak/Kumkum

A major nerve point in human body lies between the two eyebrows on the forehead. The Tilak is believed to prevent the loss of “energy”. You press your forehead while applying kumkum. This also facilitates the blood supply to the face muscles.

Offering Coconut and Banana to God

Unlike an apple, coconut and banana are considered as sacred fruits. Apple is treated as tainted because an apple tree grows from the seed of another eaten fruit. To grow a coconut tree and plantain you need to plant an entire coconut and a sapling, respectively.

Online Term Life Insurance Rates

Purchasing term life insurance online is similar to buying it from an agent, but this way carries certain benefits such as faster processing and sometimes better rates. Online term life insurance rates help you to find the lowest term life insurance rates. By searching online, you will be able to compare the different life insurance rates offered by different vendors. This in turn can help you to choose the best company from where you could buy the policy.

There are many online sources providing life insurance coverage to the people across America. As term life insurances are of two types – yearly renewable term and level premium term, the insurance rates also vary accordingly. You can choose from among the hundreds of life insurance plans available. Some people qualify for preferred rates, depending on their medical history.

The insurance rates vary according to the policy. It is better to buy the lowest insurance rates so that you find payment easy. You can visit the websites and compare the rates. Some websites even make comparisons automatically for you to find the best and the lowest insurance rates. In this case, you only need to enter all your information once, in order to get several responses regarding available low insurance rates. Online term insurance quotes provide you individualized quotes based on your personal health profile. This can help you match your needs and health profile to get the best online term life insurance rates.

You can also discuss the policy with an agent. As online life insurance companies are open any time of the day, there is no particular business hour for you to look for the lowest life insurance rates. You can even search for discount insurance rates. For this, compare the bottom line for the total price with the online life insurance quotes. If online life insurance quotes are more than the total price, then you can make sure that you are getting discount life insurance.

10 Signs It’s Time for You to Travel

1. The thought of getting up and going to work makes you feel sick… literally!

We’ve all been there. The “calling in sick” phone calls to your manager that you despise, just so that you can take the day off to binge watch your favourite television series on Netflix. But the truth is, when your purposely dodging your work shift, or counting down the minutes until you finish work, there’s a serious problem that you need to finally confront. Switching up your routine or even going somewhere for a long-weekend can revitalize you and uplift your spirits.

2. You spend way too much time living in the past and forget about the present.

Your life is governed by the “What If’s, Should have’s and Could have’s”. Doubt and fear seem to creep its way into your mind and you spend the rest of your days worrying about past choices and experiences. It’s time to wake up! You can’t change what you did or how that relationship ended. Focus on the present, and kick doubt and fear in the ass!

3. Your patterns are predictable… You’re stuck in Groundhog Day!

7am, your alarm rings, out of the house by 8. Stop by your local drive-through coffee shop for your morning caffeine fix. Commence your 9-5 cubicle cookie-cutting job and throughout the day engage in “dexter” small-talk and banter. You drive home, sit on your favourite couch and crush the next season of Game of Thrones. You do it all over again the next day, and the next and so on. If someone wanted to stalk you, frankly speaking it would be too easy. Break free from the rut and explore what this world has to offer. You’d be surprised what you’ll find.

4. Nothing exists beyond your city!

Why travel when you can get the best Szechuan in China Town or have the most delicious Cannoli’s in Little Italy? True, some of the best ethnic foods can be found right under your nose, however to think that “there is no world beyond New York City” or any mega city is absurd. Travelling to a country and experiencing an entirely new environment and culture can really kickstart your senses. So here’s to it… indulge!

5. Small town girl, You’ve been living in your small town world.

I get it… going from knowing your neighbours and the cashier at your local grocery store to getting lost in Thailand’s full moon festival and knowing absolutely no one can be pretty daunting. The truth is, you have to feel comfortable with being uncomfortable to experience life in a different way. Getting used to feeling like a “visible minority” or experiencing language barriers can make you understand and empathize with the other side of the dialectic. It’ll open up your eyes to a world beyond your small town.

6. The English Epidemic

It’s always interesting to see tourists getting frustrated when they travel to a foreign land and expect natives of that particular place to speak English. Cultural insensitivity is probably one of the worst qualities to display on your vacation. If your mind craves a challenge, choose a country that speaks a language that is unknown to you and learn some of their salutations and conversational expressions. You’ll make quite the impression and even gain a lifelong friendship with a local.

7. Stop reading about it, Go live it!

You pick up the National Geographic and read all about the amazing Safari adventures in Kenya, the vibrant eccentric colours of Marrakech and the exhilarating smell of lamb kebab that creeps through the narrow alleyways of Tehran. You take a moment, envision yourself in these pictures and then snap back to reality, allowing doubt and fear to snatch your dreams away. Stop reading about these wonderful places and feed your desires. Book that ticket and spend your nights dreaming about the adventures you’re about to embark on.

8. FoMo

The fear of missing out-hereafter referred to as FoMo, is no joke. FoMo is the desire to stay connected and partake in events that others are doing. It has also been referred to as having a fear of regret. This fear has a way of creeping its way into social gathering discussion topics of “who has the latest gadget” or “who has travelled to Monaco?” If you’re feeling particularly left out in the conversation, maybe it’s time to pack your suitcase and head over to a destination that will take over next weeks dinner gatherings discussion.

9. Single and ready to Mingle?

Sex and the City’s Samantha Jones said it best: “I’ve been in a relationship with myself for 49 years and that’s the one I need to work on.” There is no better way to learn more about yourself than to travel alone. Taking yourself on a lovely date, catching a matinée alone or doing some solo travel might feel a bit awkward at first, but getting to know the awesome person that you are should be cherished and celebrated. So here’s to celebrating you!

10. Big Decisions, Big Commitments

Whether you are entering University, starting your new career or settling down with the love of your life, it’s always a good idea to travel prior to these commitments. It will allow you to feel balanced, re-energized and ready to take on what’s to come.

Term Life Rates – Factors That Determine Life Insurance Rates

Term life insurance policies are insurance protection that is valid for a limited coverage period. This period is determined by the insured, and is relatively affordable. The difference between term life rates and other insurance is the rates are different for each individual. Therefore, if you purchase term insurance at a young age, you will find the rates are lower than someone who purchases coverage at an older age. Other factors that influence your insurance rates are your medical records, and your occupation.

We will cover a few issues to assist you the next time you are in the market for affordable term life insurance. If you have any kind of chronic illness, you might find your rates are higher. For example, if you have a heart disease, your rates would be much higher than someone who has a thyroid problem. Therefore, it is very important that you perform a thorough insurance comparison rate before purchasing this type of insurance. Your occupation also dictates what type of term life rate available to you on the market.

If you work in a dangerous position such as working on an oil rig, your rates would be higher than someone who works in the clerical department. Another option to decrease your term insurance cost is using electronic payment versus mailing your payment, you will find some insurance companies grant you a discount if you use this mode of payment. Consider obtaining term life insurance coverage with your present insurance company, you will find that most insurance companies offer multi policy, and will grant you a discount for the combo service.

Therefore, if your auto insurance, home insurance is with XYZ Corporation adding your life insurance will lead to a premium reduction. In order to reduce your insurance rates, you can modify your life style to take advantage of better insurance discounts. If you are smoker you might want to stop smoking, you will find your insurance rates are lower if you quit smoking. If it is within your means to make a career change, you should change employment to a position that is not life threatening or hazardous. By implementing these strategies, you will notice a decrease in your term life insurance rates of up to 20 percent.

Best Life Insurance Rates

Life insurance is the best substitute for the loss of income which occurs when someone dies. Usually, people look for the best life insurance rates when it comes to taking an insurance policy. You can get the best life insurance rates from online searches as well as choosing discretely from among the many companies providing insurance plans.

Insurance rates are classified into preferred, preferred plus and standard categories. To qualify for the more advantageous preferred and preferred plus categories you have to maintain certain health standards. Blood pressure and cholesterol checks are some of the main health checkups normally done for qualifying for preferred rates. Most of the life insurance companies provide you with the facility of comparing insurance rates. This in turn enables you to find the best life insurance rates available at that moment. You can also learn about the financial strength of hundreds of life insurance companies in the market.

Your hobbies and driving record also play an important role in qualifying for best life insurance rates. Insurance rates given in a plan may not be suitable when it comes to the real life situation.

When looking around to buy a life insurance policy, you wonder what kind of insurance is the best and whether to buy from an agent or through the Internet. It is better to consult experts who deal with various life insurance policies and their rates. There are different ways to get the best life insurance rates. The best way is to be honest to the insurance company by telling them the truth about your health. You can also look out for falling insurance rates. Yet another way is to shop around for life insurance agents. These agents can help you in clarifying all your doubts regarding the policy rates.

What Are Typical Life Insurance Rates?

Life Insurance is the finest alternative for any loss of income due to the death of a family member. A good life plan determines the rise and fall of your rates. A person can access the Internet for life insurance rates or can directly communicate with companies that offer appropriate policies.

Preferred, standard and preferred plus are the three main categories of rate plans. To obtain highly beneficial preferred plus and preferred, a person has to consider certain health measures. A client has to qualify for the health check ups for blood pressure and cholesterol to obtain a preferred rate. This implies that a person with a healthy physique gets a preferred rate. Standard insurance rate is easily issued to individuals with small health problems. People without drug or alcohol abuse history can also attain preferred plus rates.

Life insurance companies and their websites offer the comparison of policy rates. This helps a person to find the best life coverage rates. Insurance websites help to calculate the economical strength of numerous life insurers listed in the market. The hobbies and health records are the main factors essential for the life insurance rates. The rates given in a plan is entirely different with that of real life.

Where to get a plan or policy? This common question arises in peoples minds before the purchase of life insurance policies. It is always safe to discuss with a financial expert who deals with coverage plans and the rates. The best method to achieve a best life insurance rate is to give honest health information to the insurer. Decreased life rates are also available in many industry websites using free quotes.

Details on Life Insurance Rates:

The policies protect the family member after death, help to offer repayment of loans, inheritance tax payment and protect a business from loss of the owner. A single life plan and joint life plans are the two main classifications of the life insurance plans. The type of policy and the coverage amount also determines how much must be paid.

Research shows that women have a longer life span compared to men and therefore, the life insurers provide lower monthly premiums and lower insurance rates to females. Age of the human being also plays an important role in account of insurance policies. A safe profession and good health forms an affordable life policy. Unsafe sports and being overweight makes the costs much more onerous. Therefore, it is always a better choice to get rid of extra weight and unsafe sports before the purchase of any policy, if possible.

The selection of term life policies cuts down the costs again by a great deal. The term life plans avoid all type of extra investment and hence, provides a low cost basis. The rates and the premium remain the same for the selected period.

Conclusion:

A person has to spend some time to make a thorough study on life insurance quotes and rates to obtain a reasonable one. In brief, a person has to concentrate on his well being prior to the purchase of life insurance policies. This implies that more better the health factor, more affordable is your policy.

Five Tips For Stress Free Travel

Let’s face the fact; the whole traveling event is quite stressful. We plan a holiday to get away from the pressures of home and work, but navigating through the airport to catch your flight becomes the most stressful part of the whole trip. You don’t want to become all stressed before you even leave the airport, so here are some helpful tips that will help you travel smoothly without any stress and enjoy your vacation.

Arrive Early

Long gone are those days when you can show an hour before your flight, but now the circumstances have changed a lot. Many times I have seen people waiting outside in the parking for a shuttle complaining that they might miss their flight if the van doesn’t come soon. That’s why my honest recommendation that arrives at least three hours before your flight at the airport.

Pack Light

The best way to reduce stress is by packing light. If you can pack light with only one carry-on bag, it will save you time at the check in counter. You can walk straight to the computer, check in your bag and be on your way to the security line in not time. Trust me, lugging a heavy back anywhere can be stressful. You will realise half of the things you don’t need on your vacation, and you won’t be happy with all that clutter you carried for no reason.

Check In Online

Check in 24 hours before your flight will save you a lot of time and will help you in avoiding all the hassle at the airport. Make use of your smartphone, check in online and either get a print out of your ticket, or you can save it on your phone. That way when you reach the airport, you don’t have to waste your time at the check in counter.

Be Prepared

Be ready to face strict security measures at the airport. I keep all the things that I need out onto the bin, so they are readily available. When I reach the conveyor belt, everything is out in a flash. All liquids should be packed in a bottle of 100ml or less and then kept in a small Ziploc bag. Don’t wear any metal jewellery or keep any loose change with you as it will beep when you pass the security check and create trouble.

Create A Care Package

When packing your luggage pack a small handbag or backpack in which you can carry the things that you will need during the flight. Ever since I started carrying a small bag with me, my trips have become more enjoyable. I usually pack things that I’ll be needing urgently like the following:

• Ear buds to prevent noise

• Lip balm and skin moisturiser

• Hand sanitizer

• Credit Card to make any in-flight purchases

• Travel toothpaste and toothbrush

• iPhone

• Sunglasses

• Some basic meds if I feel nauseate on the flight.

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