Term life insurance policy is one of the most common forms of life insurance sold today. This type of coverage is usually purchased by household’s primary wage earner to provide income protection for their family. If the primary earner was to pass away, him or her loved ones would receive a tax-free payment from the insurance company to help them continue paying the bills.
Many people have a misconception that they are too young to start paying for life insurance. On the contrary – financial preparedness is recommended at any age, but is especially recommended if you are still healthy and have a stable income.
Do seniors need term life insurance?
A person who is already at retirement age is less likely to have as many financial obligations as someone younger. Usually as we get older, we have less bills, and less people that rely on us for an income. Nonetheless, purchasing term life insurance is still common at this age, but buying a permanent policy may be a wiser move. A lifetime policy with equivalent amount of coverage might be comparable in cost, especially if you are considering a longer term.
If you need a small amount of coverage and are under the age of 60, buying term life insurance no medical exam coverage may be your best option, especially if you are in good health. Oftentimes, these policies can be purchased over the phone in just a few minutes, and they eliminate the need to take time out of your schedule to meet with a nurse.
Some companies also offer permanent life insurance policies without an exam. If your only reason for buying insurance is to insure a mortgage, it would not make much sense to buy this type of coverage because of its high cost. However, a permanent life insurance policy may be an excellent way to leave a small inheritance to your children or grandchildren. We don’t recommend purchasing term life insurance to leave an inheritance behind because most people outlive their policy.
Aside from leaving an inheritance to your loved ones, the benefits from a permanent life insurance policy can also be used to pay for the costs of your funeral and final expenses, or they can be donated to the charity of your choice.
Is it easy to qualify for term life insurance as a senior?
If you are in average health relative to most people your age, the short answer is yes. After the age of 79, age plays more of a factor than health, and even if you are in great shape, finding a company to insure you can be tough. In addition, the older you get, the higher your premiums are going to be, especially if you have some serious health issues.
The best way to qualify for a term life insurance as a senior is to work with an agency that represents at least a few dozen companies. Most companies that specialize in auto insurance stop offering coverage to people after the age of 65, so you’ll want to consider rates and options from more than one provider.
Alternative options for seniors
Although term life insurance offers the least expensive coverage for seniors, there are other insurance products you might want to consider depending on your needs. For example, if your primary concern is the paying estate taxes you will leave behind or the cost of your final expenses, you should get permanent life insurance instead. A great option for affordable lifetime coverage is guaranteed universal life insurance, because it offers cheaper premiums and more coverage than whole life.
Don’t let your age discourage you from purchasing a life insurance policy. Even into you late 70s, there are still several insurance policy products out there to choose from. A life insurance policy can also help you get the most out of your retirement by maximizing your pension, or allowing you to spend your savings guilt-free, knowing that your final expenses have been taken care of.
If you’re curious as to why you should choose to visit Uganda over its neighbors, simply continue reading to discover a few key reasons why you should visit Uganda in the near future!
Why you should visit Uganda:
As an example, if you’re a bit of an adrenaline junkie you may be interested in booking a rafting trip down a section of the famous Nile River, which happens to pass through Uganda. There is a 20-kilometer section of the Nile River which features white water which is ideal for rafting expeditions.
If you’re more interested in interacting with locals and discovering new cultures, you may be more interested in booking a tour which will allow you to interact with members of a remote tribe. As an example, if you make it to the Kidepo Valley National Park, you’ll be able to meet members of the Karamong tribe. Who still live in traditional beehive-shaped huts.
Uganda is one of the most picturesque countries in Africa and features 10 unique national parks, many of which offer guided safari tours. So if you plan on seeing as many different species of animals on your African adventure as possible, it’s well worth visiting a few of Uganda’s top-rated national parks. As it would be a shame to visit Uganda without getting to see hippopotamus, leopards and African elephants in their natural habitat!
If the sound of getting to track wild chimpanzees appeals to you, make sure to head to the Kibale National Park, which happens to boast the largest number of primates in Africa and offers daily chimpanzee tracking tours. Just imagine being fortunate enough to spot a troop of excited chimpanzees swinging around in the treetops above you.
During a trip to Uganda, you’ll also be able to able to track mountain gorillas in a lush jungle, which is an experience which is well worth ticking off your bucket list.
If you have your heart set on visiting Africa in the near future, you may be tempted to visit Uganda after hearing that the cost of living is significantly lower in Uganda than in neighboring countries. So if you’d love to be able to stay in luxurious accommodation and to eat like a king and shop till you drop, it’s definitely well worth considering planning a trip to Uganda!
As examples, Uganda is home to beautiful snowcapped mountains and a volcanic caldera as well as Africa’s largest lake, Lake Victoria. The latter of which happens to contain the source of the River Nile.
You may be surprised to discover that over 50 unique languages are spoken in Uganda and that each ethnic tribe in Uganda boasts its own customs, languages and cultural norms.
So if you’re convinced that you’d make enough travel memories to last a lifetime on a trip to Uganda, it’s well worth exploring all the amazing Uganda tours and experiences there are to offer!
Thailand is a very photogenic country. A place where you won’t be satisfied with just seeing its spectacular landscapes live, but you will feel an irremediable need to leave them for posterity with your mobile phone or camera. Take note of the best landscapes in Thailand that you can’t miss.
El Gran Buda de Koh Samui
This big 12-meter high golden statue (so large that it can be seen from the airplane window) represents the Buddha and is one of the most visited and photographed tourist attractions of the island of Koh Samui. Located inside the small Buddhist temple of Wat Phra Yai which is accessed by a small dirt road that connects to this tiny island, the statue sits on top of a platform that looks down from above towards the north coast of Ko Samui.
The view from Wat Khao Hua Jook Temple
From the small Wat Khao Hua temple and you can appreciate a 360º view of the whole island of Koh Samui. After climbing up the road, you will still have to walk another section of the road up a long circular staircase. An effort that will be worthwhile because of the panoramic view of the temple. Another good alternative with very good views of the coast is the Lad Koh viewpoint.
Hin Lad Waterfall
From there you can see amazing emerald landscapes and dark natural formations known as Grandfather and Grandfather rocks. Another photogenic place where you can also take a refreshing bath.
Laem Pagoda Sister
Covered with yellowish-ochre tiles, the Laem Sor Pagoda is a spectacle even from a distance. Its golden surface shines from afar as if the entire Pagoda were covered with liquid gold. One of the most impressive places in Thailand.
Ang Thong National Marine Park
Probably one of the most famous images and one of the best landscapes in Thailand, the Ang Thong National Marine Park (also known as Mu Ko Ang Thong) is made up of 42 protected virgin islands that leave a spectacular landscape. They are islands on which it is not possible to build, so they retain their original charm.
Where to stay in Thailand?
In order to enjoy all these Thai spots, it is best to choose a well-located accommodation. The Imperial Boat House Beach Resort – Koh Samui is an unbeatable lodging to enjoy the island of Koh Samui, where those wonderful Thai landscapes are located.
This is a quiet and traditional hotel, perfect for both family travel and romantic getaways, located next to the spectacular beach of Choeng Mon. In it, you will have the opportunity to live a unique experience sleeping in authentic antique boats converted into suites. All within an extraordinary tropical natural setting and just 15 minutes from Samui International Airport, the bustling Chaweng beach and the fishing village of Bo Phut.
Africa is a beautiful continent with lots of great natural and manmade attractions. Africa basically has it all, from beautiful beaches, amazing rainforests, great savannah plains, ghost towns, ancient villages, majestic waterfalls, incredible wildlife, huge dormant volcanoes to modern day architecture, wonderful art exhibitions and entertaining art and culture festivals. If you haven’t visited Africa before, then you surely need to start planning your trip. Look for that extra income by playing profitable games at Novibet Casino. While Africa has a lot to offer, the following are the top sights you have to visit.
Victoria Falls (Zimbabwe)
This is a massive waterfall measuring 108 metres in height. The waterfall is found along the Zambezi River which borders two Southern African nations of Zimbabwe and Zambia. However, the best view of the waterfall is from the Zimbabwean side. When you visit Victoria Falls or ‘The Rain that Thunders’ as it’s also known, you get to partake in other activities beyond sightseeing. You can go kayaking, bungee jumping, and you can also visit the many parks in and around the town of Victoria Falls.
Mount Kilimanjaro (Tanzania)
Deemed the highest point in Africa at a height of 4,900 metres above sea level, Mount Kilimanjaro is a beautiful free standing dormant volcano structure that will fill your eyes with wonder. Mount Kilimanjaro has three volcanic cones that is, Shira, Mawenzi and Kibo. When you visit Mount Kilimanjaro, you get to climb up all the way to the summit. There are some hotels at the foot of Mount Kilimanjaro but you can also spend your night on the small lodges built higher up the ‘mountain’. Atop Mount Kilimanjaro, you get to see the huge crater that now acts as a waterfall and rest on a small dark beach on top. You also get to see the lovely views of the great plains of Tanzania while at the summit.
Table Mountain (South Africa)
The Table Mountain is a huge flat mountain that is found in Cape Town South Africa. The mountain is located inside the Table Mountain National Park. From afar, Table Mountain is shaped just like a table with a flat surface and shape edges on the side. There are two ways to climb to the top of the Table Mountain, you can either go hiking or use the cableway. While on top of the mountain, you get to see the beautiful city of Cape Town, its residential areas, the Central Business District to the north and when you look to your south, you get to see a lovely view of the unending waters of the Indian and Atlantic Oceans.
Great Pyramid of Giza (Egypt)
You probably have heard about Pharaohs or pyramids in the past and when you visit Egypt (the land of the Pharaohs) you get to see the stunning pyramids up-close and personal. While there are lots of pyramids in Egypt, the biggest and most beautiful one of the Great Pyramid of Giza. The Great Pyramid of Giza is the oldest of the world’s seven ancient wonders.
We are living in the age of apps – your phone has them, your Windows 10 has them, everything seems to be an app these days. And to be honest, the app society can be rather tiring at times. But besides the useful, and useless apps, for personal or work usage, there are also apps out there that can help you earn money from anywhere you are. Even if you’re traveling. And extra cash, would any of us say no to that?
Clarity is an app which allows you mentor people via a phone call at the price you have set. So if you’ve thought of starting a phone consultation business you could do from anywhere, this app might be able to help you with that. Even while you’re waiting at the airport.
Gigwalk pays its users to ensure its clients’ products are being presented as they should be. This means that you can search for gigs in your area and check out some product displays in stores near you. Depending on a gig, they might pay you anywhere between $3 and $100 after your job is done.
While the name Airmule might not sound too safe, that app might be very useful for people traveling between the U.S. and China, especially if you have spare space in your luggage. The app pays you to transport travel boxes from one country to another. But you don’t have to worry about legality of it all, it’s all legal and you don’t have to worry about becoming a drug mule. How much can you earn? Up to $500.
Foap makes it possible to monetize your photos. Simply make a portfolio of your photos online, photos you are okay with anyone else using, and earn up to $5 per purchase each. And if your photos are picked up by stock photo companies like Getty or Shutterstock, you might even earn more. And they also have Foap Missions where specific photos are asked and where you can earn very nicely.
iPoll is an app where users can earn gift cards, airline miles and more in exchange for completing 15- to 20-minute surveys.
Slidejoy offers you $5-$15 a month for putting ads on your Android device, so you kind of do nothing to get paid. Is $5-$15 worth the ads is of course another question.
Obviously you can also play lottery online through other kinds of apps, and if you end up winning, you could say that app made you some money as well.
So using apps, be them as annoying as they are, can actually earn you some money.
With a total lack of light pollution and plenty of high-up areas to view a crystal clear night sky, it’s no surprise that Arizona attracts tons of amateur astronomers and sightseers on a regular basis. From Sedona to Flagstaff and beyond, there are endless opportunities to catch a breathtaking view of the Milky Way year-round.
Although there’s no doubt that Arizona represents prime real estate for stargazing, making the most of your stargazing adventure requires some planning and preparation. Below we’ve broken down four tips to do exactly that no matter what celestial sights you’re hoping to see.
Not all stargazing spots are created equal.
If you’re coming from out of town, it’s well worth it to set up camp or plan your accommodations around accessible sites with high elevations. Some not-so-hidden gems where you’ll like mingle with others likewise looking at the night sky include the likes of…
If you’re taking a road-trip or are traveling via RV, you can actually hit up many of these spots within the same stretch. As noted by Outdoorsy, Sedona sits approximately halfway between the Grand Canyon and Phoenix. This allows you to experience both the natural beauty of the outdoors and some awesome stargazing while being efficient in terms of time spent on the road.
There are many online communities and Facebook groups out there dedicated to stargazing if you have any questions about a spot or want to connect with others who’ve taken your planned trek.
Likewise, don’t be bummed out or surprised if you end up in some crowded areas with others trying to get the perfect photo. Instead, take the opportunity to mingle and share an epic moment together.
Arizona oftentimes surprises out of towners due to its diverse climate. While you should expect it to be hot and dry, keep in mind that the annual average temperature of Arizona sits around 71 degrees.
In addition to dressing in layers, also be aware of your surroundings in terms of terrain and local wildlife. Rattlesnakes and coyotes aren’t just something you see in the movies: be sure to look into any advisories before setting up camp accordingly.
Don’t assume that stargazing is out of your reach if you don’t know the first thing about astronomy or lack the “proper” equipment. For starters, you can snag epic snapshots with the likes of your smartphone or digital camera with no crazy lenses necessary.
Furthermore, there are tons of stargazing apps such as SkyView, Star Chart and Star Rover which can tell you exactly where to point your camera and what to look out for in the night sky. As long as you have a fully charged smartphone, you’re good to go.
The nighttime views in Arizona are truly one-of-a-kind for amateur astronomers and professional stargazers alike. With these tips handy, you can guarantee a trip to remember as you experience the cosmos like never before.
If you’re interested in the idea of visiting Pennslyvania but are unsure of which unmissable attractions you should visit, simply continue reading to discover a few of Pennslyvania’s must-see sights!
The top sights of Pennsylvania revealed:
There are currently four Carnegie museums located in Pittsburgh, Pennslyvania, three of which include the Carnegie Science Center, the Carnegie Museum of Art, the Carnegie Museum of Natural History and the Andy Warhol Musuem. All of which are well worth visiting, just remember to dedicate a few hours to visiting each museum as you could easily spend half a day at each musuem, without getting bored!
If you’re familiar with some of Andy Warhol’s work, make sure to spend a few hours at the Andy Warhol Museum. The Andy Warhol Museum happens to be the largest museum in the country which is dedicated to a single artist and is dedicated to sharing Andy Warhol’s life story as well as his iconic artwork with the public.
If you choose to tour the 7-floor museum, you’ll also have the opportunity to try out some of Warhol’s art techniques for yourself.
Animal lovers of all ages will enjoy visiting the National Aviary, which is the premier non for profit aviary in the country. While the aviary is home to over 500 birds, examples of which include penguins, condors, flamingos, macaws, owls and sea eagles, the National Aviary also boasts a butterfly garden and boasts a few cute two-toed sloths.
If you make time in your vacation schedule to visit the National Aviary, it’s well worth booking an interactive VIP experience. Examples of which include an opportunity to feed the center’s penguins as well as opportunities to interact with and touch a sloth. If you’re lucky you may even have the chance to pet a baby sloth! If you’re feeling particularly brave you can even get up close and personal with a deadly bird of prey!
If you’re interested in enjoying sprawling picturesque views of Pittsburgh, which is Pennsylvania’s largest city, head to the top of Mount Washington, where you’ll find the perfect lookout over Pittsburgh.
It would be a shame to visit Pennsylvania, without getting a close up look of the Liberty Bell, which is one of the country’s most symbolic national treasures. As the Liberty Bell which is hundreds of years old represents the importance of freedom and liberty, which are ideals which are central to being an American.
After exploring some of Pennsylvania’s world-class museums, you may be interested in enjoying a bit of fresh air, if so make sure to take some time out to visit the Phipps Conservatory and Botanical Gardens. Which was first opened in 1893 and features a genuine Victorian glasshouse. Located within the beautifully designed glasshouse you’ll find a tropical forest conservatory, a tropical fruit and spice room, a fern room and an orchid room.
7. The Meadows Racetrack and Casino
If you’re interested in a fun day out and something a little more entertaining than checking out museums, the Meadows Racetrack and Casino will keep you busy for hours. From horse racing, to slot machines, to food and drink. You can test out your luck and make bets! Luckily, there are no worries if you can’t make it out to the track that day as there are lots of online options for winning money in Pennsylvania. You can take advantage of this iLottery Bonus Code Offer, to put your luck to the test!
So if you’ve been considering visiting Pennsylvania, hopefully you’re now sold on the idea as you won’t have any trouble finding fun-filled sights to visit!
Contrary to popular belief, winning money online is actually possible and is simpler than you may think. If you’re interested in making serious money by winning money online, simply continue reading to discover some of the most effective ways to win money online!
The best ways to win money online:
If you’re obsessed with sports chances are that you’ll have enough sports-related knowledge about most of the teams which you follow, in order to make sports bets, which could make you a sizeable profit! Examples of some of the sports which you can currently bet on include football, basketball, and hockey. Although many online betting agencies will also allow you to bet on the results of well known international tournaments such as the Fifa World Cup and the US Open.
So if you believed that the only type of sports that you could legally bet on were horse and dog races, think again. As in this day and age, there are dozens of sports which you can safely and legally bet on online.
Alternatively, if you’re more interested in playing online games rather than watching sports, you may have more success winning money online by practicing one or two online games, which offer cash prizes. As an example, if you’re a talented card player, you may want to consider practicing your poker skills in order to enter into online, high stakes poker tournaments.
As another example, if you enjoy playing shoot em up style games, you may also want to practice specific games, which frequently offer international tournaments, which offer lucrative cash prizes.
If you have a bit of free time up your sleeves, it’s definitely well worth using your free time in order to search for free online competitions, which offer cash prizes. Just ensure that the company which is in charge of running a competition is a legitimate trustworthy company, before giving them your personal contact details. Such as your full name, street address and phone number.
Just remember not to be too discovered if you don’t win a cash prize straight away as when it comes to winning online competitions, success is a numbers game and the more competitions you enter the higher your chances will be of eventually winning a cash prize!
Another method of winning online money legally is to enter an online lottery. Usually, if you’re interested in entering an online lottery, all you’ll have to do is to purchase an inexpensive ticket. If your ticket is drawn as the winner of an online lottery, you’ll be contacted in order to claim your cash prize. So if you’re not interested in spending hours becoming an expert at an online game or trying to predict sports results, entering reputable online lotteries such as, the Best Licensed Online Casino in NJ, may be the opportunity to win serious money online which you’re looking for.
So if you’re keen to win money online, it’s well worth trying out some of the foolproof ideas listed above.
If you are thinking of starting a blood testing clinic, then it is not at all a bad idea. It is an extremely good business not only because it is profitable but also because it gives you a chance to serve the society at large. All healthcare institutions require blood testing for the correct diagnosis of the disease so that the treatment plan can be formulated accordingly. So, it would be a very good idea to start off a blood testing laboratory. However, you might be confused about what all to include during the starting up of the laboratory. The points listed below would be acting as a perfect guide to you for getting started with your blood testing lab.
First and foremost, the development of a proper business plan is of immense importance. A business plan would help you in the right way when you are intending to start with your blood testing laboratory. The plan would help you to get an idea of the overall investment that is necessary for the starting of the laboratory.
The startup funding is very crucial in this case and for this too, you need proper planning. You need to find out the ways where you can get the initial funding for your business. One of the best ways would be to go for a bank loan where you can get the necessary funding for the starting up of your blood testing laboratory. However, keep in mind that you must put forth solid points to convince the bank regarding the success of your business.
The next step to go for is a business license without which you will not be able to start up your blood testing laboratory. Therefore, you should effectively follow the steps to obtain the business license.
Accreditation from the Authority
You should get the necessary accreditations from the concerned authority so that you can open your blood testing clinic after it is determined that all the proper standards are met. This is quite a lengthy process and hence it is recommended to send your application almost a year before.
Both medical staffs and official staffs are required. Phlebotomists or the ones who collect the blood sample should be properly trained. If you yourself wish to gather knowledge about phlebotomy or pursue a course, visiting websites like best-phlebotomytraining.com would give you a better idea. Moreover, the medical staffs who examine the blood sample should be qualified and experienced.
You need to arrange for all the necessary equipments for testing so that your laboratory is self sufficient in nature. Refrigerators, computers, blood pressure machines and a number of other diagnostic equipments are required.
Your laboratory should have all the tools such as needles, medical centrifuges, test vials, gloves and all other necessary items that are required in the blood testing clinic.
Thus, after all the arrangements are over, you can finally open your blood testing laboratory. Being a new one in the field, you need to invest some time on marketing so that the people know about your laboratory and come for blood testing.
Although a business plan is recommended for all businesses and entrepreneurs, the reality is that most small businesses only both when they need to acquire funding. Any investor or bank will require a well-researched and thorough business plan, with feasible financial forecasts and (if you’ve been running for a while) all of your existing profit and loss information.
However, a good business plan really should be something you produce even if you’re not actively looking for funding, as it can help you validate your business idea and bring into focus any challenges or difficulties you might encounter.
Similarly, a business plan can help you understand the finances of your business. Whether it’s through a complex Excel sheet with multiple years, forecasts and calculations, or a more informal list of how you expect to spend and make money. Often, entrepreneurs will be surprised by how much money they are actually going to need, and don’t discover this potentially critical problem until they sit down and complete a financial forecast. Just make sure you double check all of your data, particularly if you’re using a spreadsheet – there are numerous examples of businesses losing substantial sums of money due to a minor Excel error!
Moving away from the financial side of things, a business plan can also help you understand your market, policies and guidelines you need to follow, how you will market your product or services and, crucially, who you will market them to. The difference this can make to the overall success of your small business cannot be overstated, and it allows you to move forward with a clear plan of action. Having a roadmap and an understanding of how you will approach your business and any potential problems can be the difference between success and failure, particularly in competitive industries.
So, if you’re running a small business and you’ve never really sat down to complete a business plan, now might be the time to start. Even if you’ve been up and running for several months or years, it’s never too late to think about the future of your business. If you’re struggling, this simple guide will help you understand how to write a business plan and what you should include.