Life insurance strategies for cancer survivors

If you are a cancer survivor in good health, life insurance is even more feasible. There are things you can do to make sure you get the best premium offers options for your situation.

Gather all the medical records before you ask, from the first pathology report to medical records for the treatment of cases. This ensures medical Underwriters have the most complete picture of yourself, your health or cancer. Having all the files before you apply for insurance for cancer will reduce delays in the application process, because your life insurer will ask them, and we wait. The information you provide you can get better rewards at the end: The life insurer fewer subscribers know about you, the more they are likely to have to assume you are most at risk and to offer premiums accordingly. According to Levy, "If it is unclear, we are more inclined to err on the side of caution."

Make sure you have fulfilled your physician treatment plans. For example, Levy said, if your doctor had asked to see you back in a year and you have not been back in four years to go to your doctor for your check-up before asking the life insurance. Your life insurer is not going to offer you a policy without before seeing the results of the check-up. Likewise, if you have had breast cancer and are due for a mammogram in December and you apply for a cancer in October insurance, your life insurance will probably await the outcome of your next mammogram.

Get quotes from several companies. Policy costs can vary greatly between companies.

See if you can get group life insurance through a professional, fraternal, membership or political organization to which you belong.

Consider a "graded" policy (one with limited benefits) if you can not get the full death benefits. In the early years of a grade policy, the company only pays the premiums and a portion of the face value if the insured person dies of a disease, such as cancer, which existed before the policy took effect. If the insured dies after specified in the classification period, the company must pay the full amount of the policy.

If the cancer has been treated successfully, and you are in good health, you can probably get a cancer of the life insurance policy. If you can demonstrate that you are in good health and your treatments were well, many insurers may compete for your business.

Credit Card Consolidation

If you are submerged in credit card debt and trying to figure out a way in which you can become debt free, you may simplify the manner in which you are making payments.

Try out credit card debt consolidation. By doing so, you can also stop the collection agencies from calling you over and over again.

There are many advantages of consolidating your credit card debts. Credit card consolidation may be done in any one of the following ways-

• Take help from a debt relief company

There are many companies engaged in providing credit card consolidation remedies. The debt relief industry has gained prominence over the years. However, before deciding upon a debt relief company, it is best to check the credentials of the company first.

These companies negotiate on behalf of the debtors. In this process, all the credit card debts are clubbed into a single debt account. The payments for these accounts are made as per a repayment schedule worked out by the debt consolidation company during negotiation with the creditors.

• Take a debt consolidation loan

There is another way in which you can consolidate your credit card debts. You can apply for a consolidation loan. In this process all the credit card debts are merged into one large account and the payment is made to one creditor only.

Credit card debt consolidation has many benefits

By consolidating your debts, you are not only doing away with your debts but also enjoying a lower rate of interest as well as a reduced monthly income. You don’t have to worry about collection calls and your credit report also gets repaired in due course.

Debt counseling

If you are not being able to take control of your finances and need someone to show you the way to a debt free life, a credit counseling session may be what you need the most. A debt counselor shows you how to handle your finances in the current scenario and suggests options to make payments so that you can become debt free. The counselor will also guide you to handle your finances more efficiently in future.

Student Health Insurance

Health and medical insurance policies for students in US can be availed both by the International students who are enrolled in any of the educational institutions in US and to US students who are residents of the country. However, International student’s insurance is valid for a period of 48 months.

Any International student studying in the US colleges and Universities can avail International Student’s Health insurance if he or she has a valid VISA and is under 55 years of age. Moreover a student below 55 years, who is registered with any educational institution in US and is engaged in any research or academic work in any other country, will also qualify for Health insurance. It may also be noted that the dependants of these students like spouse and children below the age of 18 years are also eligible to be covered under health insurance with the student. Your coverage under the insurance plan normally commence from the very next day after you complete filling the online application. An International student also has the scope to renew the insurance policy so long as he satisfies the eligibility criteria. For this all you need to do is to send a filled in enrolment form within 30 days from the date of the end of the initial coverage period. The US International Student’s Health insurance covers the student around the world except his place of permanent residence.

An American student may apply for a medical insurance plan if he is no longer covered under his parent’s group insurance plan or if he finds his current insurance plan expensive for him. Moreover, after attaining the age of 24, a child can no longer be covered under his parents plan and has to opt for a separate health insurance plan. The student insurance covers the student throughout the year and it covers the student throughout United States and Canada only. Moreover, if the student leaves school, his cover under the policy will continue till the end of the policy year and the policy can also be renewed.

Debt Consolidation Loan

There are many people who find themselves trapped by exorbitant amount of debt.

At this point of time they look for how to reduce their interest rates, how to lower monthly payments, they start avoiding bankruptcy, consolidates their bill or they look for simply get out of the debt as fast as possible.

At that point of time they turn to debt consolidation loan. There are different types of lenders that will offer a debt consolidation loan, different lenders have different plans available .Debt consolidation loan make the debt easier and help to pay it in monthly basis. Debt consolidation loan companies are the best supports for the debtors and they do their best to make debtor’s situation better, they still make profit of course. But the interest rate and repayment terns will often be much manageable than the previous creditors. Internet technology compare to lenders for a personal debt consolidation loan has made the matter easier then ever.

Debt consolidation loan make all previous debt individual debts together into one loan debt as result borrower will have to pay interest rate on that single amount. Debt consolidation loan does miracle by making the people’s financial situation stable and help then in building a better financial future. Benefits like lower interest rates and easy repayment of the debt loan consolidation amount are the building blocks towards earning an excellent credit score.

But before u decide to consolidate your debts , take the time to weigh carefully some of the pros and cons of consolidation .

Pros :-

1. Simplified money management.
2. Lower monthly payments.
3. Comes with a lower interest rate.
4. Relief from creditors .

Cons :-

1. Debts is lessen but still exist

2. Long time process

3. Debt is being stretched over time

4. Encourage a false sense of security

So after weighing the pros and cons of consolidation decide to apply for debt consolidation loan. .

Another form of debt consolidation involves the use of credit counseling services. Credit counseling services help individuals regain control over their finances by helping them reduce their debt in various ways. These services often serve as an intermediary between you and the company you owe money to. Credit counseling services can intervene on your behalf, often convincing companies to reduce interest rates and cancel fees. Credit counseling services can also help teach you important money management skills.

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Marine Insurance

Definition

When goods are shipped to a foreign country, there is always a risk involved in that they might get damaged, destroyed, or stolen in the process of shipment from one country to another. To protect from financial losses the exporter of the good insures the goods exported.

For International shipments, the type of insurance that are generally used is known as marine insurance. To distinguish it from “inland marine insurance, “it is sometimes referred to as the” ocean marine insurance”.

Basically marine insurance is a contract between exporter and insurance, where the exporter pays a certain amount of premium to get back the amount insured in case the goods get damaged or pirated in the sea. Thus marine insurance minimizes the risk involved in shipment either due to natural calamity or due to man made factors. However, marine insurance cannot prevent accidental losses, but can provide reimbursement for financial losses in case the exporter’s shipment somehow fails to reach the destination.

Need of marine insurance

Since the cost of marine insurance is much lower as compared to the cost of the goods exported and the freight charges, it is always advisable to go for marine insurance to protect your goods from natural calamities and get financial reimbursement for the amount insured. Moreover one should not entirely depend on the shipping company to take care of the goods because in case of natural calamity it is even beyond their reach to protect your goods.

Responsibility of Insurance

The responsibility of making insurance always rests on the exporter. It is he who would decide whether he will minimize his financial losses arising out of unavoidable circumstances or not. There are basically three types of marine insurance:

1. Ship insurance

2. Cargo insurance

3. freight insurance

Ship insurance is not the responsibility of the exporter. It is the responsibility of the shipping company. However, Cargo insurance and freight insurance is the responsibility of the exporter. Cargo insurance normally covers the risk arising out of an act of god, enemy action, fire etc taken by the exporter of goods while freight insurance covers the risk involved if the ship is lost on account of any of the marine perils or in other words if the cargo is lost.