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The plastics rotational molding process produces a growing variety of products and components such as playground equipment, water tanks, air cargo containers, recycling carts, tornado shelters and so much more. While a relatively unknown manufacturing process, rotomolding is an integral part of the industrial cycle. Many OEMs and manufacturers alike depend on the process to produce necessary components of their respective product lines. With the growth of internet video, the website www.rotationalmolding.tv provides a growing number of plastics rotomolding video options to watch and learn!
The Superior singing Method Review is certainly not a scam. Aaron clearly state that quality time should be invested in learning the superior singing method-online course. By no chance is the course a magic as there are detailed lesson and practice to be carried out by the buyer.
Amateur are not expected to sing on a very high pitch in the very week of buying this course or ready for international singing completions. It requires diligent commitment in time and practice.
✧How Does Superior Singing Method Work?
There are 3 techniques of singing that Aaron Anastasi deliberate upon in other to come out with an amazing voice after the program. They are:
Vocal Agility: Ability to navigate from a particular note to another while singing without possibly employing the use of a slide.
Resonance: This entails switching from a very timid voice to vocalizing strongly on the vocal cords
Mix Voice: This involves the skill of substituting vocals from the head voice to the chest voice or vice versa
https://www.youtube.com/watch?v=oMTS8nNdaeo
http://syndlab.tudothatsu.com/superior-singing-method-review/
The Superior singing Method Review is certainly not a scam. Aaron clearly state that quality time should be invested in learning the superior singing method-online course. By no chance is the course a magic as there are detailed lesson and practice to be carried out by the buyer.
Amateur are not expected to sing on a very high pitch in the very week of buying this course or ready for international singing completions. It requires diligent commitment in time and practice.
✧How Does Superior Singing Method Work?
There are 3 techniques of singing that Aaron Anastasi deliberate upon in other to come out with an amazing voice after the program. They are:
Vocal Agility: Ability to navigate from a particular note to another while singing without possibly employing the use of a slide.
Resonance: This entails switching from a very timid voice to vocalizing strongly on the vocal cords
Mix Voice: This involves the skill of substituting vocals from the head voice to the chest voice or vice versa
https://www.youtube.com/watch?v=oMTS8nNdaeo
http://syndlab.tudothatsu.com/superior-singing-method-review/
The Superior singing Method Review is certainly not a scam. Aaron clearly state that quality time should be invested in learning the superior singing method-online course. By no chance is the course a magic as there are detailed lesson and practice to be carried out by the buyer.
Amateur are not expected to sing on a very high pitch in the very week of buying this course or ready for international singing completions. It requires diligent commitment in time and practice.
✧How Does Superior Singing Method Work?
There are 3 techniques of singing that Aaron Anastasi deliberate upon in other to come out with an amazing voice after the program. They are:
Vocal Agility: Ability to navigate from a particular note to another while singing without possibly employing the use of a slide.
Resonance: This entails switching from a very timid voice to vocalizing strongly on the vocal cords
Mix Voice: This involves the skill of substituting vocals from the head voice to the chest voice or vice versa
https://www.youtube.com/watch?v=oMTS8nNdaeo
http://syndlab.tudothatsu.com/superior-singing-method-review/
Most Popular Union Park Floor Plans. Homes Are Perfect For Entertaining Friends And Family.
Most Models Include a Media Room, Study, and Texas Sized Covered Patio. Granite Countertops, Stainless Appliances, Hardwood Tile, & Upgraded Cabinets.
The Master Bedroom has a Sitting Area Providing which provides a Beautiful Effect & More Space. Oversized Shower, Upgraded Lighting Throughout The Home.
This Modern Home Features, 16+ Seer Ac, Ceiling Fans, Energy Star Appliances, Foam Insulation, Gas Hot Water Heater.
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You're Also Living In The Super Modern Union Park Sub Division Full Of Amenities.
All the Residents Can Enjoy Swimming Pools.
Fully Covered Kitchen with Appliances Work Areas large enough for the Biggest Family Reunion.
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35 Contiguous Acres Of Trees, Green Lawn, Open Space And Hike And Bike Trails.
Pocket Parks And Open Spaces. Close To Schools, Shopping & All Major Roads.
Location Is Terrific & There is no better place in Texas to Enjoy Your Family.
Most Popular Union Park Floor Plans.
Homes Are Perfect For Entertaining Friends And Family.
More New Home Information in Union Park text: UNION PARK, TO 214-636-7138 or Call Anytime
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Do you feel like you’re missing the boat when it comes to harnessing the power of promoting your brand on social media? Does it seem like your competition is gaining traction on platforms like Facebook, Twitter and Instagram while your brand remains stagnant? Ronin Publicity can, and will make your brand message viral. Imagine seeing new conversations daily about your business on Facebook, Google Plus, Twitter, Pinterest, Reddit, LinkedIn, Instagram and even the smaller platforms that you’ve never heard of, yet still have massive amounts of traffic; and each conversation being shared across other platforms with Likes, Favorites, Shares and Comments. Imagine putting out a press release or announcement and instead of falling on deaf ears and gaining minimal traction, your press release takes on a viral momentum of its own. We introduce your content into hundreds and even thousands of conversations in your industry niche making your brand inescapable to your target audience. We harness the power of video, Tweets, social media posts, next generation SEO, press releases, social media shares and content repurposing to bypass your target audience’s advertisement fatigue and cuts to the core of their attention receptors by giving them what they want, unadulterated, original content day in and day out. Via proprietary techniques, we’re able to expand and deepen your digital footprint in a way that demands attention from your target audience. We adjust your message to coincide with the unique psychology of the platform and group in which we are promoting you, which continuously leads to faster results and a more loyal following. In other words, we will make you a celebrity in your industry niche. When you come onboard with Ronin Publicity, we immediately hyper-evolve the depth and breadth of your digital footprint by creating purely customized profiles on 40+ different platforms that are continuously updated with new content to bring a massive variety of attention to your brand. We then take that content and cross promote it along other platforms. We will also step in to introduce your previous content to our repurposing and viral publicity strategy. We guarantee that you will experience a true, profound and continuous viral spread of your message and this is just the beginning. Our publicity package is custom tailored to the needs of the client for maximum impact and efficiency. Imagine seeing posts, comments, activity and conversations about your brand every hour of every day, 7 days a week. Our transparent reporting system will allow you to log in and see how we are spreading your brand awareness and cultivating the conversations that are taking place about you on dozens of social media platforms simultaneously. You will see an immediate bump in social media engagement, viral brand awareness and even web traffic. So what are you waiting for? Contact Ronin Publicity today and put our Viral Publicity strategy to work for you!
About Union Park & the Most Popular Union Park Floor Plans.
Most Popular Union Park Floor Plans. Homes Are Perfect For Entertaining Friends And Family.
Most Models Include a Media Room, Study, and Texas Sized Covered Patio. Granite Countertops, Stainless Appliances, Hardwood Tile, & Upgraded Cabinets.
The Master Bedroom has a Sitting Area Providing which provides a Beautiful Effect & More Space. Oversized Shower, Upgraded Lighting Throughout The Home.
This Modern Home Features, 16+ Seer Ac, Ceiling Fans, Energy Star Appliances, Foam Insulation, Gas Hot Water Heater.
High-Efficiency Water Heater, Low E Windows, Programmable Thermostat. Radiant Barrier, Tinted Windows.
Foundation Is Pier To Bedrock. Enhanced Air Filtration, Mechanical Fresh Air, Rain Freeze Sensors.
You're Also Living In The Super Modern Union Park Sub Division Full Of Amenities.
All the Residents Can Enjoy Swimming Pools.
Fully Covered Kitchen with Appliances Work Areas large enough for the Biggest Family Reunion.
Open Air Pavilion With Fireplace, Tv And Outdoor Furniture.
35 Contiguous Acres Of Trees, Green Lawn, Open Space And Hike And Bike Trails.
Pocket Parks And Open Spaces. Close To Schools, Shopping & All Major Roads.
Location Is Terrific & There is no better place in Texas to Enjoy Your Family.
Most Popular Union Park Floor Plans.
Homes Are Perfect For Entertaining Friends And Family.
More New Home Information in Union Park text: UNION PARK, TO 214-636-7138 or Call Anytime
There are several types of carpet design and material available in the market. You must do some research before choosing the carpet for your home. It is advisable that you understand your living area as well as your need for the carpet. Some carpets are made of thick fabric that naturally radiates the heat during the winter season. Especially the carpet made of wool generate the warmth in the room.
If you are living in the area where most of the seasons are cold then having wool made carpet will be the right choice for you. You can also buy the other types of carpet such as Nylon Carpet which is mostly used by homeowners and popular in the city. Olefin Carpet, PET Polyester Carpet, Smartstrand Carpet etc. Each of them is made if different kinds of material and contains certain benefits.
The search of carpet begins from understanding your requirement. First, see what are your requirements and flooring type. Know more about the carpet material to see what type of carpet will fulfill your need. Once you have all the information in hand, the next step is to search for the carpet store who has good experience in carpet making.
You will find two types of carpet makers in the market. The factory made carpets are made using the heavy machinery. This kind of carpets is made in the bulk so the price of the carpet will be low. The other type of carpet is the handmade carpet expert.
Some carpet makers run their family own business where they make the carpets using handmade tools and materials. The handmade carpet will be unique in design compared in the factory made carpet. Generally, the factory designs all the carpets in the one single pattern. You might not find many variations in the carpet design as they are made in the bulk.
On other hands, the handmade carpets are made using the unique design. Each carpet will have a special design that makes the carpet unique in itself. Some carpet maker also put the hidden messages in the carpet design. The carpet maker will explain to you the thought behind the design and why he has chosen a particular design for the carpet.
The handmade carpets are expensive compared to the factory made carpets. Also, you will find a limited edition of the carpets in the stores. The handmade carpets are designed in a way that gives classic look to your home.
However, searching the carpet maker is another challenging job that you have to get into. There will be several carpet maker in the city, but finding the best one who has good knowledge and experience will be a daunting task.
The carpet store which you will find in your region might not be the real carpet manufacture. Most of the sale the carpet made by some company and they are playing the role of distributors. The real carpet maker generally makes their own carpet design and sale in the local store. There will be a few well-known carpet maker who actually makes their own carpet.
1) Get recommendation: This is one of the best ways to reach the professional carpet maker. Find someone who is into the carpet business or in the interior decorating field. Generally, these people know where you can find the best carpet maker.
As they deal in the carpet industry frequently they will have knowledge about the carpet quality and type of the carpet you will find in the market. You can also ask them to recommend the type of carpet that will suit the best for your particular need.
You can also reach the local carpet store and ask them to suggest some of the carpet stores near the location. Let them know your exact need so they will suggest you the carpet store.
2) Search Online companies: The well-known carpet making companies will have various stores in the many locations. By searching online you can locate the store in your reason. Go to the local store and see if the company sales the carpets that you are looking for.
Explore the 4 outstanding rewarding ways to build and leave a lasting legacy for your self, family and humanity.
The rotomolding process produces hollow plastic parts that are extremely durable. In fact, it is the same processed used to create hollow chocolates during Easter and Christmas Holiday seasons. In place of chocolate, companies use polymer based materials such as polyethylene, polypropylene and more. Products can be relatively small weighing only ounces while other products can be huge, weighing thousands of pounds. The plastics molding process is used to make a variety of strong, durable parts such as playground slides, chemical tanks, hospital carts, storm shelters and so much more.
People used to apply mudjacking method to fix the problem, however it was not the effective solution to solve the problem permanently. Later people started using Concrete leveling method which was turnout better solution than mudjacking.
Concrete leveling uses the mixture of the water, soil, cement, and sand to create the concrete blocks. Once the mixture is settled on the ground. It leveled properly to create even ground. Then it is kept for drying for a few days. The cement gives the strength to the ground and you will have a perfectly level walkway.
The repair of your sidewalk or the driveway foundation requires a special type of tools. It is professionals jobs that require special care during the lifting of the concrete slab and applying the new mixture. You might need to hire the trained contractor who has good experience in the field. The expert will have previous experience in fixing such problem which allows them to apply the solution quickly and complete the task in a shorter period of time. Also, the professional will be equipped with the required tools which make the process quick.
Local search: Your search will begin with finding concrete leveling contractor in your local area. Check for the companies who located near you. Generally, in the marketplace, there will several hardware stores will be located in your regions that might be offering the service. You can reach their store and ask for the concrete leveling service. Even if they do not have the service, they might know who offers such a service.
Generally, hardware stores deal with the various kinds of hardware equipment. Many times they meet the contractors who provide such services. They might have good references which may offer you. Asking the local store will help you to get the local contractor easily.
Ask family and Friends: Your family members or friends might have faced the similar problem with their driveway. You can contact them ask them if they have any reference of the contractor who will able to fix the driveway problem. They will help you to find the best person in the region who will solve your problem.
Reference from the family and friends will work. They will never recommend the contractor with whom they had a bad experience. It mitigates the suffering that you might face during working with the contractor. The experience contract generally knows how to handle the client. He will be responsive and manage all your work professionally.
Search Online: Find the contractor nearby searching for Search engines. Google search will have many contractors listed on the service selling websites. You can contact them all one by one and ask them to provide the quotation for the job. They might visit the location before providing the contact to understand the requirement and estimation for the project. Mainly top companies offering the best services ranks high in the search result. You can compare their plan and pricing and decide which one is suitable for your job.
Accordingly, you can hire them for your job and get the problem resolve. Do not forget to check their reviews online. See what others have to say about the company. If the company has a good reputation in the market, then it indicates the company has a good number of experienced contractors. It assures that you will receive the service from them
Finding the right contractor who understands your need is essential. By using the above suggestion you can hire experience contractor for your job and give them his contract. You can also ask them for the guarantee of the work if they have any. Some company offers 6 months of guarantee on the offered service. Getting guarantee will allow you to save money on the fixing if the same damage occurred after a few months of fixing. The company will send their contract to fix the issue for free. Start searching for the concrete leveling contract to repair your driveway.
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Unfortunately many conservatories built 30, 20 or even 10 years ago are not fit for purpose for today’s lifestyles. You wanted an extension you could use throughout the year, but what you ended up with was a conservatory that was uninhabitable most of the year.
Your conservatory is too cold in Winter and too hot in Summer!
Upgrading your old existing conservatory means that you could have a room that you can use all year round. Without the need for expensive heating in Winter or air conditioning in Summer!
Addressing Extreme Conservatory Temperatures
Firstly, you could simply look to replace the existing windows and glass in your ageing conservatory.
Modern economically efficient materials using the latest glass coatings make window panes much less prone to extremes in temperature. This new technology keeps conservatories cooler in summer by reflecting heat away and warmer in winter by retaining the heat.
New technology in glass coatings make conservatories a much more liveable room all year round, Pilkington sunshade has a self-cleaning coating as well as its unique solar coating which helps keep internal temperatures cool while still maintaining excellent light transmittance.
In the winter our “Neutral plus glass” gives improved thermal insulation – Reduces heat loss, fewer cold spots and draughts near windows and doors, and less condensation.
Did You Know You Have A Number Of Options Available When It Comes To Replacing Your Roof?
If your conservatory needs updating replacing the roof can have a significant impact on the thermal efficiency of the room. Whether it’s moving to high performance glass, or replacing the roof with a fully insulated solid roof with lightweight steel tiles and an internal plastered finish, or even something in-between, there’s an “Ultraframe” roof to ensure your new room is warm welcoming and bright. When Replacing the roof of an older conservatory, you have to be mindful of the weight. Some replacement roofs may require Council permissions.
Security
Many older conservatories do not have any more than single glazed windows. These can find themselves held in a rotting frame next to a rickety door – An extremely easy target for criminals. Protect your home contents and your family by upgrading your conservatory with Ideal.
If you have an older or poorly constructed conservatory, there may be a number of factors which you haven’t considered, that will be taken care of by opting for one of Ideal’s excellent replacement conservatories. 7
Weather
There is no escaping the fact that in the UK, the weather can be pretty atrocious at times. With torrential rain, high winds and far too much snow falling on our homes, an old wooden or metal conservatory will struggle to take the strain. What you don’t want, is your elderly conservatory collapsing due to the weight of a heavy snowfall.
Insurance
Badly maintained structures can invalidate your home insurance. Don’t risk this expensive mistake by getting an assessment booked in today with our FREE Replacement Conservatory Analysis.
Energy Efficiency – Start saving money today!
One of the best reasons for upgrading you conservatory is that by doing so, you will be saving yourself money that you would otherwise be wasting on expensive heating bills.
Badly insulated conservatories are like money vents, throwing your hard-earned cash through your conservatory walls, out into the thin air.
Renovated or replacement conservatories from Ideal Windows and Conservatories pass every single efficiency test set by international standards.
Ideal’s Promise To You
By providing replacement conservatories Ideal Windows and Conservatories will ensure the safety and security of your home. Ideal will never suggest a replacement when a renovation will be sufficient and vice versa.
When considering replacement conservatories, Edinburgh is a good example of a city where this can make a real difference. Edinburgh’s geographical location makes it a hub for erratic extremes in weather and it’s lovely traditional old properties tend to have conservatories which could really benefit from an Ideal upgrade.
Book Your FREE Replacement Conservatory Analysis TODAY.
Contact the Ideal Design Team on Tel 0131 440 4117 or visit our website here
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Lakeside Weddings gave my husband and I the best event we could have asked for. During the ceremony and reception the staff works so well together, you don't have to worry about anything. Working with Wynndy for all of the planning was amazing. I am currently in medical school, so without her I don't think I would have been able to plan such a beautiful event.
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Redmond, WA, United States, February 12, 2015 /PressReleasePing/ - LifeNet Insurance Solutions released a free report today: Guide To Life Insurance For Baby Boomers. This new report reveals how to get the best value in life insurance coverage and what type of coverage is best for any circumstances.
Lenny Robbins owner of LifeNet says For too long people have been in the dark on the costs and problems with various types of life insurance. This report helps to open the curtains on the industry and give non-agents the insights one won't find elsewhere.
Many baby boomers Robbins says, have been told by consumer advocates that term insurance is always the best choice, and permanent coverage should be avoided at all costs. While this may be true, especially for young families with large insurance needs and smaller assets, baby boomers need to reexamine their priorities and make sure they're covered appropriately.
This is especially true since many carriers have enhanced their policies with living benefits that have real value given the cost of long term care insurance as well as the need for cash in a medical emergency. Best of all, these benefits are free riders or incorporated into the policy itself, but have not translated into higher premiums. In fact, premiums have decreased in general as benefits have increased.
For example, several carriers have recently incorporated a return of premium benefit into their permanent products which gives the owner/insured the right to cancel the policy at certain fixed times, so that if the protection is no longer needed a lump sum of cash is available instead of simply dropping the policy or trying to sell it through a life settlement.
Remember, the educated consumer has the information necessary to make an informed decision when it comes to one of the most important financial decisions in one's lifetime.
The report can be downloaded free at LifeNet Insurance Solutions website.
About Lenny Robbins
LifeNet Insurance Solutions was founded in 1991 by Lenny Robbins, and serves the Baby Boomers and Seniors insurance marketplace throughout the United States.
For more information about us, please visit http://www.lifenetinsurance.com
Press Contact:
Lenny Robbins
Lenny Robbins
11505 Eastridge Drive Ne
(425) 214-4757
http://www.lifenetinsurance.com/
Ever Wondered How to Get All You Want in Life?
This Respected Olympic Champion Will Show You How..
Retirement can really sneak up on you. For a huge range of reasons, people don’t actually start saving for their retirement until they hit the age of 50. If you have ignored your own pension pot or if you have not been saving for the future already then you could be in a bad situation. Fortunately, there are some things that you can do to try and turn it all around.
Work Longer
When you postpone retirement, you can continue to earn so you can pay for any of your current expenses. You don’t have to draw money out of your retirement account and you can also put way more money in your savings account. The longer you work, the more money you will have when the time does come for you to use your pension. Remember that you are still contributing to your pension while you work as well, so it really is a great way for you to try and set yourself up for the future.
Curb your Expenses
When you manage your expenses, you’ll quickly find that this frees up any additional funds and you can use all of this to contribute to your retirement savings. Think about your house and your budget. If you only save a little bit each day by skipping out on your daily coffee then you’ll quickly see that this can amount to hundreds by the end of the year. Managing your household costs is crucial at this point as well, so if you can save on your energy bills and even your general expenses then now is the best time for you to do so.
Emergency Accounts
Emergency accounts are designed to try and protect you from anything unexpected. Your account needs to have enough funds to cover around 6 months of rent and living expenses, so if something does happen then you know that you will always have time on your side. Cash on hand is also ideal when you are having an emergency situation, because if you have to withdraw from your investment account then this could include penalties of early withdrawal fees and even tax liabilities as well.
What About Life Insurance?
Life insurance is very popular when it comes to long-term financial planning. If you want to make the most out of the insurance policy that you have in combination with your existing plans and savings then it’s important to understand how sites like https://www.lifenetinsurance.com/ work.
A lot of people when they are over the age of 50 want to start putting money away so that their family will be covered financially for the future and so that they can leave something behind for them as well. Life insurance is a fantastic way for you to do this and it is a great financial investment.
When Benefits Are Paid
Life insurance is usually paid when the person who is insured passes away. The beneficiary will file a death claim with the insurance company along with the death certificate. A lot of claims are paid within 60 days of the claim being made, so if you know that you have children who are living with you, you need to take into account the fact that the claim may take this long to process. That is where your existing savings come in.
What Could Delay Your Payment
If you, as the insurer die within 2 years of the policy being issued then the beneficiary could face a delay of up to the year. It is also possible that you have a contestability clause as well. A lot of policies contain this clause and it gives the insurance company the chance to investigate the application to make sure that it is not fraudulent. If homicide is listed as the cause of death then an investigation may also occur, to rule out the beneficiary as a possible suspect.
So now you know how important life insurance is, and how you might need to use it in combination with your savings in order to protect your family should anything happen to you. A lot of people believe that when they have life insurance, that savings are not required because if something did happen to them then their family would automatically be protected. If you have dependents, they could go up to a year without any form of payment should something happen. For this reason, savings are crucial when you take out life insurance and by investing in both you can be sure to give your family the best chance of financial security.
Installments
When setting up your life insurance, you can set it up so that it is paid in installments. This gives you the chance to set a predetermined and guaranteed income over a period of 5 or even 40 years. This is ideal if you want to protect your family financially for a set period of time.
ISA Accounts
Another financial investment that you need to think about when you reach the age of 50 is an ISA or savings account. When you set-up a savings account or anything else similar, you will receive a large amount of interest every year. You won’t be able to touch these savings, but the rewards that come with them are outstanding and this is especially the case when you invest in them over a long period of time. You can invest in multiple accounts as well, and this is a brilliant way for you to take advantage of the many savings and even free gifts that often come with them.
Ultimately, by understanding the life insurance that you have, the way that you save and even
the house expenses that you have- you can go on to make better financial decisions for the future. It is never too late to start making the right decisions and a lot of people even choose to invest in a financial advisor. This may set you back in the short-term, but in the long-term it could help you to save thousands on top of what you have already.
Universal life insurance can be a complex product. But it doesn't have to be. When you think about purchasing permanent life insurance this product is one you have to consider.
What Is Universal Life Insurance?
Universal life insurance is a product that is able to insure you for your lifetime. The cost can vary greatly from one policy to another (even with the same carrier) depending on how it is structured. There are several kinds of universal life insurance (UL):
Guaranteed Premium UL- In this type of policy, the premium and the face amount will remain level during the life of the policy (as long as premiums are paid on time). These can be setup so that the policy lasts to age 95, 100, 105 or 121, or another age if you wish. They can also be set so that the policy amasses minimal, if any, cash value. When structured this way, they are going to be the least expensive permanent policies available.
Indexed UL or Equity-Indexed UL- The cash value in these policies can be tied to different stock indexes, such as the S&P 500, Nasdaq, etc. How the index performs will determine your returns. Your money is not actually invested in the index, just tied to it for interest accounting. You can't lose any of your cash value, but it can grow!
Variable UL- This policy is considered a security and is only available for purchase through a broker-dealer. This is a high risk product and should only be bought by a sophisticated investor.
Some Factors Affecting the Premium Are:
Some Pros and Cons:
What is Guaranteed Premium Universal life insurance?
In this video Lenny will explain how Guaranteed Premium Universal Life Insurance works. And of course he will talk about the universal life insurance pros and cons!
Guaranteed Universal life insurance Policies Requirements
The type of life insurance you purchase will depend first on your needs. If you need coverage for your lifetime this type of universal life policy will be the least expensive.
As I mentioned earlier, this product requires full underwriting. You will be required to have a paramedical exam. An examiner will come to your home or office and take a complete medical history. They will take your height, weight, and blood pressure. You may need an EKG, and if so, they will bring the machine. There is NO disrobing. They will draw blood and you will give a urine sample.
Then your application, exam information and laboratory results will go to an underwriter at the insurance company. They will determine if they need more information. If so, you will be asked more details, and /or your doctor records will be requested. (The insurance carrier or your agent will order these.)
They will run a motor vehicle report and check your driving record. If you have multiple speeding ticket, or a DUI, you may have difficulty getting insurance coverage.
The insurance company will order your MIB (medical information bureau) record. If you have previously applied for life insurance there will be a file. If you were declined or rated up, there will be a code telling the current insurer to find out more information. There are no details in the MIB.
Using all of this information, the underwriter will make a decision about your insurability and decide on your rating. The better your rating, the lower your premium.
We have had cases where our internal underwriter has gone to the insurance carrier and made a case for a better rating than we received. Many times we are successful in getting a better rating. Unfortunately, not always!! As agents generally cannot talk to the case underwriter, this is a nice benefit of using an agent with an independent in house underwriter.
The Bottom Line
We hope this article helps you to understand the Guaranteed Premium Universal Life Insurance pros and cons. We find that this policy is often able to fit the needs of most of our clients who want permanent coverage. The guarantees make this product very desirable, and the lower cost doesn't hurt either. 
Video Transcript:
Hi. I'm Lenny Robbins at LifeNet Insurance Solutions coming to you today from a rainy Seattle and I'd like to talk with you about a permanent type of policy known as a guaranteed premium universal life policy. This is one of the two major types of life insurance that is designed to stay in effect as long as you live.
The benefit to this type of policy is that it is designed with a premium that will never change as longs as the premium is paid in a timely fashion. So you can always be aware and comfortable with the fact that you will not have increasing premiums at a time when the coverage is most needed. The negative or the con of universal coverage is that it is designed without cash value so that you will not be able to withdraw money from the policy if you need additional cash.
However, you will find that premiums are generally substantially lower than it might be in a whole life policy. And in fact, today most companies are not in the whole life business any longer because of the ability of this type of universal coverage to meet most needs. And we find that it allows people to pre-plan effectively as they get older.
So whole life insurance is just more expensive, not done any longer by most carriers. Universal coverage is clear, easy to understand and best of all, it's easy to compare one carrier against another to see where you're going to get your best value.
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By the time you’re over 70 years old the reasons for purchasing life insurance change from when you were younger. No longer are you concerned with protecting your family against premature death with a relatively large policy that lasts for a specific period such as 20 or 30 years. Even through middle age the need for coverage is relatively high since most people are concerned with paying off large debts such as a mortgage or business loan. In either of these cases the least expensive method is generally a term policy.
However, as we age the need for life insurance for seniors over 70 changes because the reasons for insurance change. No longer are we trying to create an estate for family protection. Most seniors are interested in buying insurance which will stay in force for their lifetimes.
Let’s start with reasons to purchase a small policy and what to look for when you do.
Most whole life policies that offer small amounts of coverage, usually up to $30,000 or $40,000 are known as “simplified issue” contracts. These have applications that only require the answers to health questions. The is no paramedic exam and if the applicant can answer all questions in the negative, the policy will be issued after a check of the medication database to confirm that no drugs are being taken for declinable conditions.
While many seniors are uncomfortable with a paramedic exam, in many cases the cost per thousand for coverage with a universal life insurance policy is substantially lower than for a whole life insurance policy without an exam. Depending on what state you reside in, lower cost universal life policies are available starting at $25,000 or $50,000, although in a few instances the minimum face amount is $100,000.
These larger policies are like whole life insurance in that they are typically designed to last for the insured’s lifetime. However, they differ in that their design is more flexible. This means that a policy can be designed without cash value accumulation and therefore will have a lower premium than whole life.
One factor that most buyers are not aware is that most whole life insurance death benefits do not include your beneficiary receiving the cash accumulation. If money has been borrowed from the policy, the death benefit will be reduced by that amount. In rare instances, both cash value and death benefit are paid, but this choice which is made at the time of purchase is much more expensive and generally not taken.
In some situations, seniors will not be able to qualify for immediate coverage due to health issues. If this is the case, they may be able to purchase “graded” coverage. While most insurance companies will offer this alternative, some will pay a percentage of the death benefit during the first 2 (or rarely 3) policy years, while other carriers pay nothing during that time for death from illness. If the insured dies in the first two years and no benefit is paid, the insurance carrier will pay to the beneficiary 100% of premiums paid plus interest. All carriers will pay 100% of the death benefit for accidental death during the waiting period.
For other seniors over 70 that do not qualify for either type of coverage, some companies offer “guaranteed issue” policies. As the name implies, there are no health qualifications for acceptance. This insurance pays nothing if death occurs within 2 years, and can only be purchased from 40 years old up to age 80. Amounts are generally limited to $25,000.
Another reason for seniors over 70 to purchase coverage is not protection, but rather for the payment of estate tax. While this does not apply to most people it can be an effective way to keep assets for the next generation. The typical method used is known as survivorship or “second-to-die” life insurance. As the name implies, the death benefit is paid only when the surviving spouse passes. Because there are 2 deaths involved, the cost of coverage is generally lower as are health requirements. In fact, in some cases only one of the applicants for this policy need be insurable. Before buying this coverage it’s advisable to consult with your tax advisor so that the appropriate amount of coverage is purchased.
Whatever the reason for life insurance over 70, seniors should consult with an independent agent, someone familiar with the issues of older clients and willing to spend the time necessary for them to completely understand their purchase.
Here’s an example. Let’s say you own a term policy with level premiums for 30 years. At some point during this time you are diagnosed with a serious health issue that would normally result in high premiums or even a decline of coverage. With good conversion options, you will be able to convert part or all your term policy into a permanent policy without evidence of insurability. Not every company has good conversion options. This is a most important feature and the least understood benefit of term life insurance. You will not find this information on the typical website, nor will you find it on the quote forms that are generally provided by these sites.
Before you by any term life insurance, make sure to speak with an independent agent (someone with access to many carriers) and ask about the specific conversion of the recommended coverage. High quality carriers do not necessarily charge more or have stricter underwriting requirements.
Other insurance types fall into the permanent category.
This coverage is designed to stay in force for the lifetime of the insured, and includes whole life and universal life policies. Today, most whole life policies are for small amounts of coverage. Sometimes called “final expense” insurance, they are designed for easy acceptance and generally cover individuals for $25,000 or less.
For amounts over $25,000, a universal life policy with lifetime level premiums is the least expensive permanent coverage. Unlike whole life, this type of universal insurance is intended to pay the death benefit only. Because it does not generate any meaningful cash value, premiums are lower than whole life. A side benefit is the ease in which policies may be compared because all premiums are level and guaranteed.
Whatever type and amount of coverage makes sense for you, don’t be shy about asking questions of your agent. Good agents are a valuable resource that can help you understand your need and address the best way of meeting your requirements.
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During our lifetime, we normally purchase life insurance to protect our family against a premature death. To do that, most people purchase term insurance because of its relatively low cost. This makes perfect sense because the need is great, but mostly temporary. As children grow and other assets may grow as well, the need for large amounts of coverage may become unnecessary.
If you currently have a term policy and you’re over 70, the first thing you should do is check with your current life insurance company to see if that policy is still convertible into “permanent” coverage. If your policy is still convertible (some carriers allow conversion up to 75) then it makes sense to compare the conversion policy premium to the cost of a new policy.
Converting a policy requires no medical underwriting. Whatever health rating you were given when your term policy was put in force will be the health rating you get on a conversion policy. This is a great deal in many cases, especially if your health has deteriorated since the term policy was put in force.
However, before you decide to convert, make sure that a new policy is not a better value.You might even consider hiring an insurance consultant. Some carriers will allow conversion into a lesser quality policy only, with fewer guarantees.
Currently it is possible for a 77-year-old female to purchase a 15-year term policy which will carry them to age 92. However, should the insured live past the end of the policy, there will be no alternatives for new coverage. A permanent policy for the same 77-year-old will currently be about 25% higher in cost, but of course the death benefit will be paid whenever the insured dies. Obviously, there is a tradeoff here so keep in mind your objective. It may be that the coverage is only necessary for temporary protection in which case a term policy can make sense. If not, perhaps a lower amount of coverage that is permanent will suffice.
A 77-year-old male will also be able to purchase a 15-year term policy assuming his health qualifies him for coverage. The major difference here is that the term policy at this age and a permanent policy at this age are almost the same cost. Don’t make a mistake and purchase term coverage in this situation from any insurance agent.
Most people over 70 no longer own life insurance and the need for coverage is generally small in relation to younger ages. For small amounts of life insurance, generally up to $25,000 the easiest type of life insurance to obtain is known as “final expense” life insurance. It is used primarily to pay funeral expenses and other small debts. These policies are also known as “simplified issue” whole life policies because they do not require a paramedical exam. If the applicant can answer all questions appropriately and accurately, then a policy is issued. However, these insurance companies all ask slightly different questions which can mean the difference between acceptance and denial. If you are considering such a policy, make sure that you disclose all health issues to your agent to make sure you purchase the appropriate plan.
Other questions will inevitably come up, especially if your health history includes any serious health issues. That’s another good reason for using an independent agent with access to many high quality carriers.
