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Why do people still shop for whole life insurance? These days, we seem to hear a lot more about term life. We know that premiums are lower, and that term policies are more like buying pure insurance. But many people still want whole life, despite higher premiums, so there must be some advantages to permanent life insurance.

The fact that whole life is permament should make the first benefit obvious. As long as the policy is kept in force, it will cover us. So we will have life insurance as long as it is paid for. This means it does not expire after a term. Many people like the fact they can pay for their policy over a period of years, and then enjoy coverage as long as they live!

Premiums will be level through the life of the policy, and the death benefit is also stable. This may not always be true with term policies. This means that a younger person can apply for a policy, pay lower premiums, and enjoy those low rates when they are older.

We can also use a policy to pass on money. The death benefit is usually not taxed either. It is comforting to be able to pass on money without also passing on a tax burden. This is why these policies are often used as a way to pass on estates to spouses and children.

Of course, the final advantage of permanent policies over temporary policies is the fact that they actually help us grow our assets. This can be a great reason to consider whole life over temporary policies. While we pay for coverage, we also grow a cash account.

After some time, these policies actually build up a cash value. If you choose to surrender your policy, you may get accumulated cash in return. If your policy has a cash value, it may also be used to pay premiums if you lose income for awhile. Of course, you need to check with your own life insurance contract to see how this works.

Another use of permanent policies are lilfe settlements. This means that some investors want to purchase life insurance in return for cash. This amount of money will be less than the face value, but more than the surrender value. Sometimes a life settlement can be a great way to help seniors raise money with life insurance policies they really do not need.

We know that you hear a lot about the advantages of term insurance. But before you choose, be sure and explore the pros and cons of term vs. whole life.

Learn more about why seniors buy life insurance. Our fast and free forms can help you find the costs of life insurance for a person like you.

So, you’ve got some time off work, college or school and you want to get outdoors and enjoy it. Maybe even go on holiday. What a good idea! Nevertheless, what happens when you get where you are going? The mosquitoes come out to get you.

If it were not so commonplace, it would sound like Freddy Kruger and Nightmare on Elm Street. The female mosquitoes need blood to create eggs and they seek it out as rapaciously as any vampire in a horror movie, while the males go sucking nectar from flowers like fairies.

Well, that is the nightmare setting, but it is not that far from the truth either. For many peoples in the world it is also a genuine life and death problem. Millions of people die every year from malaria and tons more from dengue too. Yet both of these diseases are curable as are most of the other mosquito-borne diseases like Yellow Fever, Japanese Jungle Encephalopathy and Nile fever.

The first thing to understand is that typically these diseases can be inoculated against, particularly if you are going on vacation. The next thing to bear in mind – it might help – is that not all mosquitoes are the same. For instance, in Thailand, the dengue-bearing mosquito (often called the ‘Egyptian’) comes out during the day time and so bites then too. Between about an hour before dawn and an hour after dusk, whereas the malaria-carrying mosquito, the Anopheles, is a night time huntress.

I am not recommending that you can relax your vigilance during the day, although many people assume that they can. Nobody wants dengue fever either.

So, what can you do? Before you go anywhere, read up on the district or check with medical experts. That part is not complicated, particularly, if you know how to explore the Internet. Then prepare yourself with inoculations if the risk is serious enough in your judgment or a medical expert’s judgment. In my estimation, that is the minimum that a conscientious person ought to be expected to do to protect him or herself, the family and the community at large.

Then there are a few other things you can do. For instance, wear voluminous clothes, but long sleeves and long trousers. If you are thin on top by choice or not, wear a hat or cap. Dress in socks or stockings in the evening to safeguard your toes. Get a good-quality mosquito repellent and put it on your bare skin, as often as necessary by the manufacturer, which is typically every four or five hours.

You could rationally stop there, but I like to go a bit further, if the circumstance warrants it. If I am outside in the garden at home or in a hotel, I like to have one of those tennis racquet style electric bug zappers with me. They are fantastic for zapping the odd mosquito that buzzes you. They are good for clearing the bedroom before retiring too and lastly, if I’m renting, hiking, camping or caravaning, I might find space for a rechargeable lantern-style bug zapper too.

If the little so-and-sos are going to give me a fever, they are going to have to try very hard to do it.

Owen Jones, the author of this article writes on several subjects, but is currently involved with work on mosquito bite allergy problems. If you would like to know more or check out some great offers, please go to our website at Mosquito Bite Swellings.

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