Life insurance serves as the best kind of financial protection for you and your loved ones. Choosing the best coverage can help you rest assured that you have planned for the uncertain future. While choosing between term and permanent life insurance is important, you should also consider going for a reliable insurance company that works best for you. So, here are the top five best life insurance providers you can consider.
New York Life
New York Life Insurance Company (NYLIC), incorporated in 1845, is the third largest and one of the most prominent life insurance companies in the country. Further, it is the biggest mutual life insurance company. On the 2021 Fortune 500 list, it ranked number 67 in terms of its revenue. It offers both term and permanent policies, and the term policies it provides can be converted into permanent ones. The company also offers policy riders like living benefits, accidental death benefits, and disability waiver of premium.
Lincoln Financial Group Life Insurance
Lincoln Financial Group is the marketing name for the Lincoln National Corporation (LNC) and its subsidiary companies. LNC was founded in 1905 and operates various insurance and investment management enterprises through its subsidiaries. LNC is categorized into four business segments: life insurance, group protection, annuities, and retirement plan services. It offers term and universal policies, and some of its policies do not require a health examination. LNC provides three kinds of permanent life insurance—universal life, indexed universal life, and variable universal life.
John Hancock Life Insurance Company
The John Hancock Life Insurance Company, founded in 1862 on 21st April, was named in honor of John Hancock, a patriot. This life insurance company offers both term and universal life insurance policies. Though John Hancock does not offer whole life insurance policies, you can choose from three universal policies—universal life, variable universal life), and indexed universal life. Its Vitality Plus Program helps policyholders save money by collecting points and availing of discounts.
Haven Life
Haven Life offers a simple, straightforward, affordable, and easy way to look after your loved ones. However, the policies are issued by its subsidiary MassMutual, which is one of the country’s oldest insurers. It offers two term life insurance options—Haven Term and Haven Simple, both of these policies can be purchased online without the help of an agent. Also, a health exam is not required for some applicants. Haven Life also offers disability insurance known as Haven Disability and Annuities.
Bestow
Bestow offers cutting-edge life insurance products and technologies. It is an online insurance agency that provides term life insurance policies and offers no other kinds of policies or riders. Additionally, none of its policies require a medical exam. Bestow’s term policies are available for 10–30 thirty years, and the coverage amounts could be between $50,000 and $1.5 million. The enrollment age limit is 60 years. It should be noted that Bestow does not issue its policies. Instead, they are issued by the North American Company for Life and Health Insurance.
You should choose the most suitable life insurance by considering various factors such as the types of insurance policies offered by the company, additional benefits, price, and your requirements. It is also advisable to check the customer reviews and compare the quotes from various insurers to get the best deal.
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Checking out the checking account
Read moreHaving a checking account has become a necessity these days. You simply can’t do without one. It is also very easy to create;, you can even go online and open a free checking account. Be it for the protection of your money or for managing your finances, it is important to get a checking account.
These accounts are suitable for a student account, joint account or business accounts.
What a checking account lacks is good interest rates. You either get very low interest or no interest at all whereas in savings account you have high-interest rates.
Several banks offer to open totally free checking account and there are numerous websites as well that allow you to open totally free checking account online.
Before You Open A Checking Account
The first thing you need to consider are the fees. You will have to pay overdraft fees for every single transaction. You will also have to pay service charges for not maintaining a minimum balance, writing too many checks, and other reasons.
Checking accounts allow for Electronic Fund Transfer; this means that help can come to you immediately when you are in need.
You have to be cautious while using ATMs of banks other than your own; you may be charged some surplus amount.The Benefits Of Opening A Checking Account
Manage Finances
This is the biggest advantage of a checking account. You can keep a tab on where your money is going, and plan your budget accordingly. You can also stay up-to-date with your monthly expenses with your bank statements.Available Everywhere
Checking accounts are available almost at all banks. Some banks also offer a free checking account. It is very convenient to open one. Banks also give you an opportunity to open online free checking accounts.Safe And Secure
Having checking accounts assures the safety of your money. If you carry around a large amount of money, there is a huge risk of losing it. There is also a chance of your money being stolen.Insured Accounts
All the banks that offer checking accounts are insured by the Federal Government. This means that you will get your money back no matter what.Debit Card
You are usually provided with a debit card when you open a checking account. You need not carry cash all around, and you can pay for your online purchases.Given these benefits, it’s easy to see why practically everyone today seems to own a checking account. If you don’t, it’s about time you did!
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Foods to avoid for managing bronchitis
Read moreBronchitis is a lung condition in which the lining of the bronchial tubes, which are responsible for transporting air to and from the lungs, gets inflamed. The condition can be chronic or acute and can develop as a result of an underlying respiratory condition or a cold. Certain foods can also trigger the condition and cause the symptoms to worsen. Here are some foods to avoid when diagnosed with bronchitis.
Dairy products
People suffering from chronic bronchitis need to limit their intake of dairy products. When digested, these items release a compound known as casomorphin, which is known to elevate the amount of phlegm and mucus released by the body. This can lead to severe coughing, which could worsen wheezing and pain in patients suffering from the disease. Instead of dairy products, you can opt for alternatives such as almond or soy milk.
Excess salt
Excess salt can be extremely harmful to patients suffering from the disease because too much sodium can cause water retention in the body leading to difficulty breathing. To season your food, it is essential to opt for low-sodium salt alternatives, as suggested by a nutritionist, to counteract any harmful effects on the body. It is also essential to keep an eye on labels about the amount of salt present in snacks and processed foods.
Certain fruits
Fruits are very healthy, but when it comes to those with bronchitis, it is important to check on the fermentable carbohydrates in the fruit. For example, apricots, apples, peaches, and melons are high in fermentable carbohydrates that lead to bloating and acidity. This, in turn, causes breathing difficulty in patients suffering from the disease. Alternatively, you can have fruits such as pineapple and grapes, which have a lower level of fermentable carbohydrates.
Processed meats
Large amounts of fats and salts in processed meats and nitrites used to process and preserve them are known to cause swelling and stress in the lungs. Hence it might be best to avoid or limit the consumption of bacon, sausage, ham, and more.
Sugary drinks
There could be severe implications of consuming soft drinks regularly, both for adults as well as kids, as these drinks are known to cause problems such as asthma and bronchitis. This is because packed beverages contain a high amount of sugar, leading to increased constriction and swelling in the airways. Many types of low-calorie soda use artificial sweeteners in the form of aspartame which makes it low in calories. However, this substance is known to negatively impact respiratory health and cause problems such as shortness of breath and difficulty breathing.
White bread
People with respiratory issues are also advised to avoid foods such as white bread as it has simple carbohydrates that require more work by the lungs to metabolize it. Instead, opting for whole grains containing complex carbohydrates can be a much healthier choice to boost lung health.
Chocolates
Foods that contain a high amount of caffeine, such as chocolate, coffee, or tea, should be strictly avoided by people suffering from breathing issues as these foods are known to interfere with bronchitis medicines. These products are also known to increase acid reflux which elevates the symptoms of respiratory diseases and triggers symptoms such as coughing or wheezing.
Fried foods
The consumption of fried items such as French fries, donuts, and more should also be restricted, as these contain a high amount of fats that take more time to digest and even cause bloating or indigestion making it difficult to breathe.
In addition to prescribed treatment options, keeping a check of what you eat can help you manage respiratory conditions such as bronchitis in a better way.