Life Insurance Rates Explored

By David J. Livingston

There are different classifications of life insurance rates for different insurance providers. The number of classifications could be more than or equal to 12. Normally people need to qualify for the Regular classification with most companies which charge a premium on top of the Regular rate. While that is the case with most companies, some do have special classifications. If one qualifies for Regular or above, he will get a good rate, otherwise that person will be provided some substandard rate.

To explain the process further, the insurance rates of most companies will start at Regular + 50%. This rating is called Table B or Table 2. The further classifications are Regular + 75% called Table C or Table 3, Regular + 100% called Table D or Table 4. The highest in most cases is Regular + 250% called Table J or Table 10. You will be surprised because there are companies in the insurance industry that can have rates that go even beyond the table 10. While the classification terms all look similar, the way they rate and the underwriting of the companies differ from one company to another. So if one company rates your case one way, that does not mean that you will get the same rate with all the providers.

While one company rates a person with late age start and controlled diabetes to be Preferred or Preferred Plus, another insurance company will rate him to under Table B, C or D. So to benefit from the right insurance with the appropriate premiums and coverage you need to shop around. The very first step in that process would be for you to try your hand with the online quotes. All most all the providers and even some third parties provide you instant term life insurance or whole life insurance or any other type of insurance you need online. They will require some basic information about you like your physical statistics, health details, profession and some contact detail (just to get in touch with you) to provide you instant quotes.

The premiums that you get assigned in the quotes are determined by the risk class you fall under. The higher the class the lower will be your premium. The general classes of life insurance rates are

1. Preferred Plus (no nicotine)

2. Preferred (no nicotine)

3. Preferred (nicotine)

4. Standard (no nicotine)

5. Standard (nicotine)

6. Substandard

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Some of the health conditions that greatly influence the life insurance rate classification are

1. Heart disease

2. Depression

3. High blood pressure

4. High cholesterol

5. Asthma

6. Type II diabetes

7. Sleep apnea

8. Cancer

9. Coronary disease

10. Mitral valve prolapsed

You can get the best rating that is Preferred Plus life insurance rates if you meet the following criteria.

1. BMI less than 25

2. Very good health history (no chronic ailments or serious illnesses)

3. Good family health history

4. Non-smoker or have quit smoking for minimum 5 years

5. Risk free (low risk) profession and hobbies

6. No bankruptcy (in the last 5 years) and excellent financial standing

7. LDL/HDL ratio less than 5.0

8. Blood pressure less than or equal to 140/85

9. Clean driving history (in past 5 years)

10. Never treated for alcohol or drug abuse

When you get the quotes, it is essential that you compare all the different quotes. Just the lower premiums or higher coverage or even the preferred life insurance rates alone will not help determine the best coverage for you. So demarcate each topic and compare accordingly. A bit of research on the insurance industry or a little help from experts will assist you in landing the best policy in terms of coverage, premiums and inclusions for you in no time. Just make sure that you are divulging your information and taking help only from authentic and trustworthy websites. Remember that no one needs your financial details to process the instant tem life insurance or whole life insurance quotes, as that is a free process.

About the Author: Article by David Livingston of, a website with the best

cheap life insurance


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information in the country.


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India discontinues ?500, ?1000 denominations; releases ?2000 and new ?500 bills

Monday, November 14, 2016

On Wednesday, India demonetised ?500 (about US$7.50) and ?1000 notes, announced as a measure to fight corruption, fake notes, and black money. Prime Minister Narendra Modi addressed the Indian citizens late Tuesday, and said 500 and 1000 rupee notes would cease to be legal tender at midnight.

To minimise possible difficulties to citizens, transactions using old 500 and 1000 rupee notes were accepted at government hospitals, railway ticket bookings, government buses, and airports. The notes were also accepted at public-sector petrol-pumps, government-authorised consumer co-operative stores, milk booths authorised by State governments, and cremation grounds till Friday midnight. These shops were obliged to have a record of their stocks and sales.

In his announcement, Modi said, “For your immediate needs, you can go to any bank, head post office or sub post office, show your identity proof like Aadhar card, voter’s card, ration card, passport, income tax PAN card number or other approved proofs and exchange your old 500 or thousand rupee notes for new notes.”

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Modi also announced those who failed to change their currency till December 30 can exchange the notes at Reserve Bank of India (RBI)’s office along with a declaration form till March 31. The notes can be exchanged till December 30 at any branch of any bank across India.

By Saturday, Finance Minister Arun Jaitley said demonetised money equivalent to almost US$30 billion was deposited in banks across India. According to estimate, the old notes accounted for 85% of the total money in circulation. New 500 rupee and 2000 rupee notes are to be issued. Modi said RBI would exercise caution from past experience and limit the circulation of large-value notes.

International tourists could purchase up to 5000 rupees using the old notes at airport exchanges till Friday.

A limit was imposed on cash withdrawal; a maximum of 10000 rupees each day, and 20000 rupees each week, can be withdrawn. Moreover, from Thursday (November 10) till November 24, 4000 rupees can be exchanged in the banks and post offices. The amount is credited to the bank account.

Government workers were informed about demonetising when the announcement was made. Modi announced all banks would remain closed for public work on Wednesday.

In the United States, Donald Trump won the 2016 presidential election on Tuesday, immediately after which stock markets dropped globally. Following the US election and demonetising the money, the Indian stock market fell by 1700 points on Wednesday. Sensex lost 1,688.69 points and Nifty lost 111.55 points on the same day. Indian technology sector companies experienced loss. TCS suffered 4.93% loss and Infosys lost 2.74%.

The Indian rupee is also used in the neighbouring countries of Bhutan and Nepal. The border area uses Indian currency for day-to-day transactions. The Royal Monetary Authority of Bhutan (RMA) has announced the exchange of old notes will be facilitated till December 15. RMA governor Dasho Penjore informed Indian news site The Wire, “We do not know exactly how much Indian currency of Rs 500 and Rs 1,000 is in circulation in Bhutan. We will get a better idea after the deadline to deposit their amount”. RMA has 30% of its international exchange reserve in Indian rupees. Nepal Rastra Bank directed all Nepali banks to stop conducting transactions using the Indian rupee.

On Thursday, there were long queues in front of ATMs and banks to exchange the old notes and withdraw money. BBC reported some banks ran out of cash. Police were called to some banks to maintain discipline. Banks were open on Saturday and Sunday for money exchange.

Shops did not accept the old 500 and 1000 rupee notes. Some emphasised cash-less transaction as well. BBC reported some traders and small business owners in Delhi threatened to call a strike as this move affected their business.

eRetail websites like Amazon and Flipkart announced they would not accept the old 500 and 1000 rupee notes on Cash on Delivery orders. Amazon also announced 15% discount on gift cards worth 500 or 1000 rupees.

The government ceased all transactions using the old 500 and 1000 rupee notes before Saturday. But a Wikinews correspondent noticed a jeweler shop accepting the demonetised notes on Saturday. When questioned, the jeweler said they were accepting the old notes only on purchase. When the correspondent, who did not identify as a reporter to the shop owners, said the old 500 and 1000 rupee notes were not legal money, they said they will exchange the notes in a bank since there were 50 days to exchange with a new and legal tender. They refused to exchange old 500 rupee notes with change, asserting the customer needs to buy merchandise from their shop.

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Ford announces deep production cuts in response to growing losses

Saturday, August 19, 2006

Ford has announced sweeping cuts of 21% (168,000 units) in its US and Canadian production, resulting in the partial closure of ten of its plants during the fourth quarter. The measure comes on top of existing turnaround plans announced in January, in which 25,000 to 30,000 positions should be cut and 14 plants closed by 2012.

Ford is the world’s third-largest automaker and the U.S.’s second-largest. However it has in recent years been struggling with poor profitability and shrinking market shares. In 2005 it lost $1.6 billion and recently the company reported a second quarter loss of $254 million and a 34% year-year decline in sales for the month of July.

George Pipas, director of sales analysis at Ford, points to rising gas prices having negative impact on the sale of the companies SUV lines as well as its sales leader, the F-series pickup truck as being the direct cause of the latest initiative.

So far the following plants are thought to be affected:

Ford’s stock fell 17 cents (2.1%) to $8 on the New York Stock Exchange.

Gas explosion flattens Mexico City maternity hospital

Saturday, January 31, 2015

An explosion on Thursday morning destroyed a state maternity hospital in Mexico City, Mexico. A nurse and two babies are dead.

I feel grateful to have another chance to keep living, to keep working as a nurse

Initially reports placed the fatalities at seven. Local officials including Mexico City Health Secretary Armando Ahued and Mayor Miguel Angel Mancera have since revised the figure downwards. Over 70 people including 20 infants are wounded. Around 100 people were in the building at the time.

The explosion occurred as a truck was resupplying the hospital’s gas tanks, and a leak developed in the supply hose. Driver Julio César Martínez and assistants Carlos Chavez and Salvador Alatorre have been arrested. Chavez and Alatorre spent around fifteen minutes attempting to stem the leak, to no avail. All three are amongst the injured.

Firefighters and federal police entered the ruins to recover trapped survivors. Victims’ relatives, and other bystanders, gathered at police cordons around the scene. “I am still a little bit in shock. It was a nightmare,” said nurse Ivonne Lugo Durantes.

Durantes was rescued after ten minutes trapped beneath debris. She has first degree burns but is “grateful to have another chance to keep living, to keep working as a nurse.” She witnessed other staff rescuing babies amid a conflagration.

New father Jose Eduardo told reporters his wife ran barefoot with their baby to escape. Eduardo said some escaped nude. Witnesses around the hospital reported a strong smell of gas, a large explosion, and flying debris. Ambulances and helicopters were used to evacuate casualties.

President Enrique Pena Nieto and Pope Francis both took to Twitter to express support for the victims.

5 Must Do’s For Work At Home Mums

By Mary-Lou Halvorson

A work-at-home mum’s biggest challenge is maintaining a balance between running her successful business and raising her children. Who doesn’t want their business to succeed? Who doesn’t want financial independence?

We want to make a difference, experience personal fulfillment and use our skills. But we also want to be there for our children. What we need to accept is that we can have both. Grab the opportunity to make a huge difference in the world and to be a great positive influence in our children’s lives.

We can inspire our children to be proactive by showing them how it’s done. If we want them to experience the best of life, accepting challenges and rewards as they arise, we can be an example with our own lives. Show them how to live their life to the fullest, to experience joy, fun, and personal satisfaction.

My 5 Must Do’s for maintaining balance when operating your home-based business:

Look After Your Physical Health

Balance is constantly a work in progress for a work-at-home mum (WAHM). You need to keep in mind the basics. The first is to take care of yourself and your health. You are not valuable to anyone if you you haven’t got good health. This means taking care of the simple things, for example:

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* Start the day with a healthy nutritional breakfast

* Exercise regularly

* Get enough sleep

If you feel rested and you’re in a good frame of mind, your productivity will be higher.

Take Time Out

Don’t spend all your time running around after everyone else and have nothing left for yourself. Make time for yourself. Include in your schedule time to just relax and process what needs to be done. Write a ‘To Do’ list and prioritise it. This may need to be done several times during the day as different projects arise.

Get Support

Without a support, its easy to feel overwhelmed and sometimes isolated. Having supportive, healthy relationships is essential for maintaining balance and creating success.

Ask for support from family and close friends. Learn to resource support in your local area if you don’t have a close family. Find ways to reduce the energy-draining tasks in your life. The Mum’s school network is a great place to start.


Moral support is just as important as physical support. Networking with other work-at-home mums is a great form of moral support and inspiration. It’s also a great way to foster and share ideas, hopes, and have your questions answered. You may even be able to share your own experience and answer the questions of other mums.

It’s important to have a connection with other like-minded mums. There are plenty of home-based business forums to join online. Experience the mentoring and many friendships available.

Take risks

Our roles as mums are primarily to nurture, care for and…naturally… cautious. Dare to challenge yourself in your business. Set your goals high but be realistic. Allow yourself to go higher than you ever imagined you could. The flipside of fear is courage. Yes, it is scary out of our comfort zone but it also presents a challenge to make a difference in what you do in your home-based business. Express who you are and what you believe in through work that is meaningful and purposeful. Follow your dream, and become a better person for the effort. The benefits of achieving your dreams and goals are invaluable.

About the Author: Mary-Lou Halvorson is Work-At-Home mum of two children and the creator of

. She has successfully built her on-line business from home providing Kids’ Birthday Party ideas. If you would like to see how she built her business, visit



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