Surprise Your Kids Or Grand Kids With This Perfect Gift

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By Joel Zimmerman

grandparentchildWhile not many people think of life insurance as fundamental, it is necessary if you want to protect your family, business, legacy, and other valuable assets. With the increased uncertainty of life, think about the future of your family when you exit the stage. After all, it lasts forever, as long as you pay the regular premiums promptly. Consider it as a gift to your dependants. They will forever be grateful to you for minding their financial security.

Invest in it as a gift

The next time you think of gifting your children and grandchildren, consider giving them a life insurance policy. Perhaps the biggest advantage is the fact that you can choose the method of paying premiums to your insurance company.

In fact, you can also invest in a policy where your children are the life assured. The following are the most common advantages that you will enjoy. Make the most use of them while they last.

• It can last a lifetime – take advantage of protection that lasts as long as you live. Should you suffer a disability or pass on, your child gains a head start on his financial life.

• It won’t wear out or fall apart – as you cannot be sure of the shelf life of material wealth, purchasing a policy assures you that the asset will live for years to come.

• It has accumulation potential – while most material assets lose value as the years go, the value of a life insurance policy actually accumulates as long as you pay premiums.

• There are tax advantages – most cash values from these policies are tax deferred under the current law. This also applies to borrowed cash values.

• Premium rates may never be lower – as your age increases, so do the regular insurance premiums. Therefore, lock the amount of your premiums at your current age.

• Future insurability – when you grow older, the possibility of companies to insure you goes lower as companies deem older people and those with diseases as risky to insure.

Factors that can affect your life insurance

Even from the life insurance definition, a number of factors determine your quote. While some of these are beyond your control, your lifestyle can influence others. Most companies that provide insurance are very thorough and meticulous when examining these factors. This is because they do not want to take risks that will cost them money.

1. Age – the earlier you obtain an insurance policy, the better for you and your dependants. Companies will underwrite you faster if you are young unlike when you grow older.

2. Gender – statistics show that women generally live longer than men. This means they are more insurable than their male counterparts.

3. Smoking – people who smoke are a red flag for most insurance companies. This is because smoking increases your chances to suffer diseases such as lung cancer.

grandparents4. Health – keep good health to purchase a favorable policy. Companies usually examine your cholesterol, blood pressure, weight, height and other metrics.

5. Lifestyle – if you actively engage in risky activity such as extreme sports, companies deem you more risky to insure. Therefore, make your choices wisely.

6. Family Medical History – the quality of your genes is one factor that you cannot control. If your parents suffered a certain serious condition, you may obtain insurance at a high cost.

7. Driving Record – insurance companies will access your driving records from the Department of Motor Vehicles. If you have had many accidents, they deem you risky to insure.

8. The Bottom Line – before applying for a life insurance, examine these factors and try to correct them if possible. This can guarantee you a more favourable policy.

Evidently, investing in one or more life insurance types is a sure way of protecting your family against the uncertainties of this life. Additionally, it is a great way for you to invest and do retirement planning. Instead of procrastinating, purchase a policy today and take advantage of the tax benefits of life insurance.

– Joel Zimmerman is an experienced financial advisor and his areas of specialization include retirement planning and risk management. When Joel is not working with clients, he is busy creating informative blogs and whitepapers. Follow this financial whiz @life_centra. You can also check out his fiscal blogs and videos on LifeCentra.

Call For Women To Give The Gift Of Men’s Health This Valentine’s Day

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This article is provided by PRWeb, please share your thoughts below…..

healthyheartbpDr. David Samadi Creates The Ultimate Check-Up Guide for Women On Men’s Health Just In Time For Valentine’s Day.

World renowned prostate cancer surgeon and men’s health physician, Dr. David Samadi, is calling for women to urge men to be more proactive and preventive about their health this Valentine’s Day.

Dr. Samadi urges all women to take the #samadichallenge as a gift to their men for Valentine’s Day. To accept the challenge, women must get a man in their life to have a routine PSA screening and get testosterone levels checked, record a video message challenging three other women to do the same and post it on the Women for Prostate Health Facebook page.

“Getting men to care about their health is a real issue and we know that women are vigilant when it comes to screening. We need them to motivate the men in their lives to have that same proactive attitude towards their health,” said Dr. Samadi.

Statistics show that women make over 70% of the medical decisions in a household. Women are proactive and anticipate health issues and practice prevention. Research also shows that they ask a lot of questions of their doctor and want to make an informed decision regarding their health.

“My husband of 27 years was diagnosed with prostate cancer and is now cancer free thanks to Dr. Samadi. I want to challenge my female friends to get all of the men in their lives tested. It’s the numbers that save lives. Symptoms do not have to be present for cancer to be present. The PSA is an early indicator of prostate cancer,” says Lisa Hill who took the #SamadiChallenge in 2014.

“I cannot stress enough the importance of being your own advocate. But most male patients I see either come with, or are encouraged to go to the doctor by their wife, mother, daughter or girlfriend. Women are the ones who can push men to educate themselves and make their health a priority and personal responsibility,” said Dr. Samadi.

Men live an average of 5 years less than women. More men suffer and die from chronic illnesses than women. They’re 1.3 times more likely to have cancer than women and 2 times more likely to die from liver disease. The evidence is clear and the risk is high; men need to be more attentive to their health.

In particular Dr. Samadi wants to highlight the severity of prostate cancer in men. “There are 233,000 new cases in the U.S. every year and 1 out of 7 men are diagnosed. Due to these hard facts, getting an annual PSA screening is essential.”

The United States Preventive Services Task Force screening standards claim men should start getting their PSA (prostate specific antigen) screenings at age 55.

Dr. Samadi believes it to be wise for men to begin screening for their PSA between the ages of 40-45. “If you have a family history or are african american, you’re more at risk for prostate cancer. It’s important to get a PSA screening at age 40 to learn what your baseline is. Then have a conversation with your doctor about where you’re at and how to watch it over time.”

The number of younger men diagnosed with prostate cancer has increased 6 times in the last 20 years and the disease is more likely to be aggressive.

According to the American Urological Association, a PSA screening can find prostate cancer early, before it has spread. Early treatment can help some men avoid problems from cancer later on and live longer.

The goal of the #samadichallenge is to unite all women to:
-Learn the risk factors of common diseases in men such as prostate cancer
-Improve the lifestyles of the men in their lives
-Encourage men to get screened annually
-Push men to seek treatment immediately in case of a positive diagnosis

“Women are better advocates and care more about important issues related to health than men. They take their health more seriously. We need that kind of thinking to rub off on men,” expresses Dr. Samadi.

As a gift to help women get started, Dr. Samadi put together The Ultimate Valentine’s Day Guide for Women on Men’s Health:

For men in their 20s:
-Complete physical every three years
-Get blood pressure checked every year
-Cancer screenings every three years particularly for thyroid, testicles, lymph nodes, mouth and skin
-Cholesterol test for total, LDL and HDL (the good kind) every three years
-Testicular self exam every month

For men in their 30s
-Complete physical every 2 years
-Get blood pressure checked every year
-Cancer screenings for thyroid, testicles, lymph nodes, mouth and skin every three years
-Cholesterol test for total LDL, HDL (the good kind) every three years
-Testicular self exam every month

For men in their 40s
-Get blood pressure checked every year
-Cancer screenings for thyroid, testicles, lymph nodes, mouth and skin every three years
-Cholesterol test for total LDL, HDL (the good kind) every three years
-Testicular self exam every month
-Complete physical every 2 years
-Baseline prostate-specific antigen (PSA) test and digital rectal exam (DRE)
-Stool test (for colon and rectal cancers) every year

For men in their 50s
-Get blood pressure checked every year
-Cancer screenings for thyroid, testicles, lymph nodes, mouth and skin every three years
-Cholesterol test for total LDL, HDL (the good kind) every three years
-Testicular self exam every month
-A sigmoidoscopy or colonoscopy (for colon cancers) every three to four years or as recommended by your healthcare provider
-PSA and DRE exam every year

Learn more about Women for Prostate Health online and on Facebook.

Dr. Samadi is a board certified urologic oncologist trained in open, traditional and laparoscopic surgery and is an expert in robotic prostate surgery. He is Chairman of Urology and Chief of Robotic Surgery at Lenox Hill Hospital. He has dedicated his distinguished career to the early detection, diagnosis and treatment of prostate cancer and is considered one of the most prominent surgeons in his field. Learn more at