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al019.gifThe Yankee farmer was being examined by the doctors preparatory to taking out an insurance policy. "Ever had a serious illness?" asked the examiner. "No," was the reply. "Ever had an accident?" "No."  "Never had a single accident in your life?"  "Well, no, I ain't . But last spring when I was out in the meadow, a bull tossed me over a fence."  "Well, don't you call that an accident?" "No, I don't. That damn bull did it on purpose."   It depends on you how you look at life; it totally depends on you. You are the creator of your life. It can have tremendous meaning, beauty, joy -- but you will have to create it in your heart, and you will have to spread it all over the place. You will have to create something in yourself, only then will you find it in existence. Existence echoes you....

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Written  by Martin McAllister
Norwich Union claims that, while 2005's figures were down from that of 2004, the firm still had to reject one in ten life insurance claims due to non-disclosure by consumers. According to Tony Jupp, chief underwriter at Norwich Union:
"It is vital that people take a deal of care and attention when completing these forms as the information they provide will form the basis of any life policy that they are offered. If applicants don't share with their insurer information that is requested, it is likely that they will have invalidated their policy and if they make a claim, it might be turned down."
He added that such situations would make it more difficult to obtain life insurance cover from an alternative insurance company.
Written by Joel Ohman 
Cheap term life insurance is not an oxymoron. In the past 5-10 years term life insurance rates have dropped dramatically. Why is this?
It is well documented that the price transparency that the Internet brings in allowing consumers to view competing companies prices has dramatically decreased the cost of term life insurance rates over the past 10 years. According to Kerry Hannon in the July 5, 1999 issue of Business Week, “What costs less than half what it did two years ago?. Term life insurance. Term - insurance buyers have been enjoying some of the lowest rates in history thanks to increased competition and the ability to buy policies over the Internet or the phone without going through an agent.”  
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