College Life Blog

Archive for November, 2003

So you have decided on a term life plan and rate that works for you. You want to go ahead and apply for your particular plan. What information should have ready before starting? This is an important consideration especially in light of our expedited application process. To take full advantage of our call-in process and the speed and ease-of-use it offers, there are certain pieces of information on your side that can help the process along. Let’s take a look at information needed for the term life application.
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rFirst, the best part of our service is the application. I know this sounds hard to believe since any type of insurance application is rarely a fun event. We can’t promise fun but we can bring some great tools to your advantage. What’s involved to start…some nasty, long legal form in triplicate with a lot of Latin words? No. All we need to start the process is a 10 minute phone interview. It’s not even in Latin! We can get the information we need to start the process over the phone and populate the application with this information. The great part about this is that there’s no guesswork. Term life insurance has very specific (and unfortunately) technical language that pertains to the world of life insurance. It can be a little intimidating when you’re reading through an application on your own. Term life beneficiaries, key person insurance, various term life riders…that can be overwhelming and what happens when a person runs into difficult applications? They tend to set it aside (where it sits for a long time if not forever) even though the person knows they need life insurance and has found the right term life rate and coverage. Let us help you avoid this pitfall. If questions come up as we walk through the application, you have a professional on the line to help you. Now, what information should you have ready during this process?
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rLife insurance does touch on medical history and status so it’s important to have that information ready. You should have a list of your medications and dosage as well. Ideally, if you have your accurate height and weight, that can help us with the process and most importantly, allow for a more accurate quote. Cholesterol and blood pressure is handy if it’s outside the normal range..again so we can provide a more accurate quote. Keep in mind that this information will be taken during the paramedical exam but it never hurts to have any medical information ready that you do have.
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rThe term life beneficiary information is incredibly important. This is the person(s) or entity that will receive the benefits if the insured passes away so we don’t want any questions later on that can jeopardize the smooth transition and payment of benefit to your desired person/entity. You want to be as exact as possible. For example, “spouse” is not specific enough. Provide the full person’s name, address, and ideally SS# so there’s no question.
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rIf the life insurance policy will be owned by a Trust or Corporation, make sure to provide their complete information as well.
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rYou want to have your established reason for purchasing term life in the amounts you are requesting. For example, if you make $50K annually with no real liabilities and you are requesting $3M in benefits, that may be a tough sell. Ideally, have the reasons for your coverage spelled out…mortgage, income replacement, funeral costs, kids college, etc.
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rChecking account or credit card information for auto-deductions. You can always pay by check but the auto-payment function tends to be the safest way to avoid lapsing your life insurance policy.
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rThese are the main pieces of information you need ready before applying for term life insurance. Feel free to run any questions by us. As your licensed life insurance broker and a specialist in expediting term life apps, we are here to help.

College Girls: You Need or Want a Lover? Want More Money? Need a Better Job?

Maybe you are just lonely and bored with your life, and need more excitement?

Get an Indian Medicine Bag Good Luck Amulet, and it just may be able to help you attract a lover, a friend with benefits, a better job, or more money, into your life! You never know unless you try!Maybe you can get better grades?

These Good Luck Amulets and Charms have been used by countless people for many thousands of years, and even though they are always said to be for entertainment purposes, we all know that they can sometimes do amazingly cool things for people!

You May Win Money Gambling with an Indian Medicine Bag Good Luck Charm! It might be just what you need at the casino, the Poker table, or with a lottery drawing!

Maybe You Will Attract a Partner with the aid of the Indian Medicine Bag, Seen By Clicking Here!  Because everyone needs somebody to love, and someone to love them! Life is way too short to deny yourself the simple pleasures, and this powerful, Love-Attracting Indian Medicine Bag Amulet is especially good when it comes to Love, Sex, and Romance!

Find a Better Job with the possible help from one of these magical and powerful beauties! My name is Father Time and my awesome website has some really cool things, including these wonderful Luck-Attracting Items, and also…I sell small quantities of items at wholesale prices for people who want to make extra CASH money by selling something that their friends and neighbors need!

For example, there are self defense pepper spray key chains that can earn you tons of money! Click Here To See The Pepper Sprays!  I have several college girl clients who buy 25 pepper sprays at a time and then re-sell them to their fellow classmates for a cash profit! So, whatever you NEED, chances are that Father Time can help you!

P.S. Buy and Sell Online with a PayPal Account Seen By Clicking Here!   You can actually start your own online business of selling goods or services! Something to think about!

“The person who says it cannot be done should not interrupt the person who is doing it.”

Many Blessings!

Have you ever thought about all the men in your life and how many of them wear bifocals or reading glasses? My very first love was my Dad! He was an aircraft mechanic and didn’t begin wearing bifocal spectacles until I was in high school. He had 20/20 vision most of his life, so when he begin to have trouble focusing, he was quick to get the help of some reading eyeglasses. My Dad has always been handsome to me: tall, strong and bald with steel blue eyes. During World War II, he was in the military – the Marines and proud of it! Being a veteran, he knew the high cost of freedom and has always had a love and respect for the United States of America.
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rI remember one time, when both he and Mama were so sick, they couldn’t hold their heads up, but they determined they were going to the polls to cast their votes one election day despite the discouragement of their daughters to stay in out of the cold weather! So, with their reading glasses in pocket and purse, they went to vote! He would always say, “I’m only one, but I am one!” By the way, the camouflage readers are very popular right now.
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rMy Dad can fix anything from a broken hair dryer to a washing machine to a beat-up chest of drawers, but he usually needs his “cheaters” to focus. Growing up during the depression, he was keenly aware of the worth of a dollar and could really make it stretch. I recall the story told often about how for an entire year, all that their family had to eat was black-eyed peas! Ugh! He learned how to do without when he had too. When I was in elementary school, Daddy signed up for some night courses at the college. My Dad wore some cool cat-eyed reading glasses while pouring over the books at night. They were inexpensive, but cool!
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rMy second true love was my husband! He has beautiful blue eyes that I love to sit and look at. He, like my Dad, was a 6 year veteran during the Vietnam conflict. He returned home, went to night school to graduate college, he began wearing non prescription reading glasses. Of course, he was good looking in the contemporary readers and especially the ultra light, reading sunglasses. Instead of fixing “things,” my hubby fixes computer problems, so he needs several computer glasses with varying magnifying strengths depending upon the job at hand. Hubby is very distinguished looking and contemporary eyeglasses make a fashion statement for him. He is beginning to enjoy the bifocals more now as his arms get shorter. You probably know what I mean.
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rNo matter who the men in your life are: businessman, plumber, sports enthusiast, builder, architect, computer genius, or your brother, they all want to wear cool reading glasses. Once they see the variety of handsome, good looking fashion eyewear for men; then determine whether they want rimless reading glasses, ultra light, reading sunglasses, plastic frames, sports readers, designer reading glasses, eco-friendly readers or just “cheaters” that make him look distinguished.

Some rewards are attached to online masters degree education. If you finished the master degree successfully, you may be appointed as head of educational in public or private sector. Education system research institute are looking for competent and qualified masters degree education graduate to hire or employ.

You can do masters degree in education from the convenience of your home or at work in your spare time. When you completed, you can begin a teaching career where you can make a positive impact in the lives of students without having the day to day stresses of bosses looking over your shoulder daily to see if you are contributing sufficiently to profits his business.

Online masters degree education is crucial for the busy Dad and Mum who want to take advantage of teaching or educational institution. Doing masters degree course may be hard if your job do not permit you to go to conventional college or university classroom to receive lectures. Online education program has make it possible for you to do master degree in various fields such as Public policy, School Administration, Curriculum theory, Childhood development and etc at your convenient time.

Masters education programs offer you the opportunity to become administrators or teachers in the public or private education system. Online master education programs can open you the door of many opportunities that can take your career to the next level. There are many organizations around the world that are interested in your service. These educational organizations offer materials, research and training and provide other services to educators.

The basic requirement in educational system or teaching profession is bachelors degree education. If you have advanced qualification like masters degree or doctorate degree, the sky is your limit because you will be capable of handling all positions in the educational departments.

In conclusion, before you register for online masters degree education, make sure you research to get the accreditation status of the college or university you want to do master degree programs.