Guaranteed issue term life insurance

Have you ever been turned down for term life insurance coverage? Guaranteed issue term life insurance was created for those who have trouble obtaining basic term life insurance coverage. Guaranteed issue term life insurance is also known as a “simplified issue policy.” You are automatically accepted for coverage without being required to submit to a medical exam. In exchange for guaranteed coverage, you will be charged a higher term life insurance premium. The higher premiums are a fair trade for insurance carriers taking a larger risk covering people without knowing their full medical histories. Purchasing a guaranteed issue term life insurance policy is ideal for people who were born with or have developed chronic medical problems.

The Inner Workings of Guaranteed Coverage

Guaranteed term life insurance coverage works a little differently than buying a straight term life insurance policy. While basic policies allow you to choose the period for which you would like to be covered, guaranteed policies are issued at five and 20 year periods.

If you initially buy the five year term, you may renew every five years after that until the age of 80. At age 80 your policy automatically becomes exchangeable for a permanent life insurance policy. You are still automatically covered upon transfer to your new policy and still are not be required to undergo a medical exam. Your premiums are also guaranteed to remain level throughout the duration of your policy unless term life insurance rates increase across the board for everyone in your age range and state. Renewable term life insurance premiums are based on your current age. Get instant term life insurance rates by visiting equote. com/li/termlifeinsurance-quote. html.

If you choose to purchase the 20 year term, your monthly rates will stay the same for the full term of your policy regardless of any rate increases. Upon completion of the first 20 years you have the option of purchasing an additional 20 year guaranteed issue term life policy. Again, no medical exam is required nor will you be subjected to any health questionnaires. Some insurance carriers offer the option to convert a 20 year term policy into permanent life insurance coverage after the first 20 year period is over.

Note: the face values you may purchase for a guaranteed term life insurance policy are limited. The coverage amounts start at $5,000.00 and are sold in increments of additional $5,000.00 up to a maximum of $25,000.00. The face values do not decrease with age or with a decline in health status. To learn more about term life insurance go to equote. com/li/termlifeinsurance. html.

Other Benefits to Owning a Guaranteed Issue Term Life Insurance:

1. It cannot be canceled in case you develop a terminal illness.

2.You can activate an accelerated death benefit in case of terminal illness; giving you needed cash to offset medical bills or special needs assistance.

3.Your coverage is guaranteed to stay active for the whole term of your coverage. If you purchased the 20 year term, coverage would end if your benefits were accelerated.

4.You have the standard 30-day money back guarantee on the policy. If you decide that the guaranteed issue term life insurance policy is not for you, you may request a refund of premiums paid to date -- no questions asked.

Tips to cut your cleaning time

According to a recent survey by home cleaning experts, over half of Americans admit that they feel a sense of accomplishment after cleaning their homes-even though they don't necessarily like having to houseclean. The good news is cleaning doesn't have to be laborious or take loads of time.

"My advice to people is 'clean smarter, not harder,'" says Laura Dellutri, author of "Speed Cleaning 101." "By following a few simple tips, you can properly clean your home in less time, thereby freeing you up to do the things you'd rather be doing."

Here are a few speed-cleaning tips from Dellutri:

Keep dirt and grime from accumulating. Did you know that 85 percent of all dirt that comes into the home is on the bottom of shoes? By placing mats at the entrance of your home so people can wipe their shoes, you'll reduce the amount of dirt coming in-and the amount you'll have to clean later.

Have all of your cleaning supplies nearby while cleaning. This will shave time off your cleaning routine, because you won't have to stop to retrieve missing tools or products. A cleaning caddy, five-gallon pail, cleaning apron or laundry basket can all be used to transport cleaning supplies from room to room (and they make great storage containers). Carry a few damp cloths (which can be used to clean 90 percent of the surfaces in your home) over your shoulder to save time running back and forth to the sink. Hang smaller cleaning supplies from your belt or the vacuum, or put them in your pockets.

Look for products with "two-in-one" benefits. For example, glass cleaner with disinfectant can be used on a variety of surfaces, thereby eliminating the need for multiple spray cans (and the time to fumble for them). The O-Cedar Power Corner Plus with Scuff Eraser is a great two-in-one cleaning tool, because its 25,000 bristle tips pick up dust and debris quickly, while the built-in scuff eraser eliminates the need to bend down and remove unsightly marks.

Clean from top to bottom. Dust and dirt fall to the floor while you clean, so start at the top to avoid having to reclean lower areas twice. For the same reason, always dust first and vacuum last.

Don't clean what's already clean. You can shave hours off your routine by cleaning only the dirty areas of furniture, fixtures or appliances, and shining the rest of it with a slightly damp cloth.

Get the whole family involved. Assign everyone in the family a particular cleaning chore (for example, vacuuming, dusting, trash removal, sweeping) and have each person complete his or her task in each room of the home. When everyone helps in an orga-nized fashion, the house can be cleaned in practically no time.

Two-in-one cleaning products save you time when cleaning.

Don t forget to plan some baby shower games when you plan or host a baby shower

Sometimes baby showers are hosted before the baby is born and sometimes after. Either way most baby showers have at least one thing in common, baby shower games.

When you host a baby shower it is fun to have games to play as entertainment as well as to break the ice. You may have guests that don't know each other as well as several different age generations in attendance.

I like to have different types of games when I host a baby shower so the same guest isn't always the winner. I also like to find games that require little preparation or expense. Here are a few free baby shower games you are free to use when you plan or host a baby shower.

1. One game you might want to play is to see who can name the most nursery rhymes. Give your guests a few minutes to write them down and see who thought of the most. Beforehand you can prepare a list to compare to if you want. Plus if your baby shower guests appear stumped you can name a few to get them started on the right track.

2. A word scramble is also a good type of game to have. You can scramble up some baby words and print them out on a piece of paper and let the guest unscramble them. You could also give your baby shower guests a blank sheet of paper and have them write a phrase such as Jill's new baby, or the new baby's full name and have them see how many words they can find in the letters.

3. If you want to liven things up a bit give every guest a piece of paper with a baby related word on it and tell them not to show it to anyone. When everyone has arrived explain to them that every time they hear their word they should cough and say excuse me within 5 seconds. The other guests then can each make one guess as to the word. You can give prizes to whoever guesses the most right as well as to whoever stumps the other shower guests the longest.

Basically just try to find a variety of baby shower games that everyone will enjoy playing and have a great time celebrating the blessing of a new baby.

Domain name suggestions for success

Have you seen or read some domain name suggestions? What did you find? Some explanations and facts? Obviously, these are some of the basic questions when asking about domain name suggestions, and these questions often surface as the number of domain name resources and web sites provide some sorts of domain name suggestions to every reader or domain name holder.

The term “domain name suggestions” is such a vague concept. It may involve bad or good domain name suggestions and sometimes both. And oftentimes these domain name suggestions might mean something to the reader, depending on their level of understanding and interpretation.

Since the term domain name suggestions may mean something different from any people, I would like to state some of the common domain name suggestions mostly found in those pages for domain name suggestions. So if you are interested, you further read on.

Many resources were providing some sorts of domain name suggestions specifically about the consideration for selecting the best domain name. One of those common domain name suggestions for selecting a domain name stated that in deciding for a domain name, the name should be kept short. Although the maximum characters for domain name is 67, still you have to keep in mind that people need the domain names to be able to understand and remember, as well as to easily enter it into the browser. This one of the domain name suggestions further holds that the shorter the domain name is the better. So then, this first among the domain name suggestions for selecting a domain name maintained that you try to register the shortest name that your customers and visitors will easily associate with your web site.

Aside from such consideration taken from various domain name suggestions ever published, here comes another one of the common domain name suggestions which hold that the domain name extensions play a large role in the domain name. It is noted that there are several various domain name extensions that are available right now and each of those domain names extensions has their own distinctions and functions. When it comes to business matters, most of the published resources for domain name suggestions maintained that the. com suffix is the most common and the most profitable. But since the. com is one of the oldest domain name extensions, it thus shows that your business has been around for a while and that you have the most stable presence in the internet.

For much emphasis on the common domain name suggestions, here is another one of the notable domain name suggestions which hold that in selecting a domain name, one should avoid a trademarked domain names. In fact, many domain name suggestions have noted that trademarked domain names are not very nice, and also most companies really called their lawyers just to get their names back. And lastly, some domain name suggestions maintained that if you are really interested to register for a domain name, then you should register it as soon as possible before you loose the chance to get the name that you really desired.

So whatever the domain name suggestions hold, it is just important that you know how to balance their ideas with yours. Those suggestions are just there to give you some ideas, but the decision is in your hands.

Can bodybuilding supplements perform the muscle miracle

If you Google "bodybuilding supplements" you will see the search returns almost 10.5 million results. It shows how much importance people are giving to get muscle using bodybuilding supplements. The sheer volume of these products is overwhelming. Their popularity is very strong.

Do bodybuilding supplements work?

While many know that these products exist, they may not be aware of how these body building muscle supplement products work. Unfortunately, because these products are in such fierce competition with one another they have a tendency to employ a ton of over the top advertisement campaigns so as to stand out in the marketplace. Also a number of these ad campaigns leave the false impression. It is if there is a miracle out there that will maximize one’s ability to grow muscle.

The Truth About bodybuilding supplements

First, what must clearly be understood about these supplements is that no body building muscle supplement is a miracle product. There is no product that will magically burn fat and enhance muscle growth while eliminating the need for working out. Of course, there are a number of products that make these promises, but these products are less than honest and even less successful in terms of actually delivering what they promise.

Be Realistic

We need to be realistic about what to expect from body building supplements. They are not miracle products that will pack on 50 or 60lbs of muscle nor will they magically burn off 10 or 20lbs of fat. Body building supplements have their values.

These values and benefits are based on realistic nutrition and science and not over the top advertisements. Often, the advertisements and their claims act as substitutes for actual science and this is unfortunate.

Mass gainers and whey protein supplements

Most of the products that advertise as body building supplements fall into two categories. Either mass gainer or whey protein supplements.

What is a mass gainer?

A mass gainer is a drink that provides a massive amount of calories in liquid shake form so as to help someone who is having difficulty gaining weight the ability to gain weight without packing on fat.

Whey protein as a body supplement

Whey protein provides the body with quality protein so as to aid in the repair and growth of muscle after a solid exercise program.

Best bodybuilding tip.

The most important bodybuilding tip to follow is to avoid over training. Over training is working out too many times per work or working out for durations that are excessive. Excessive is anything longer than one hour straight in duration. Also, it is also unwise to work out if you feel sick or are seemingly suffering from an injury so as not to aggravate the injury.

Now, many would say, If you don’t work hard, you won’t make any gains. Well, this is partially true. One of the most critical of all body building tips, however, is that not only must one work hard one must also work smart!

Conclusion

There is no body building muscle supplement that can provide any miracles. So avoid looking for them. Instead, look for those products that provide an honest and sensible result. Ultimately if you stick with legitimate products you will achieve the results that you desire.

Acne care for adults

For many adults, what was thought of as a teenage affliction has continued well into their twenties and thirties. For other adults suffering from acne, the outbreaks did not start until they reached their twenties.

The causes of adult acne vary and can be any one or a combination of the following conditions.

Stress

Until recently, stress related acne was a myth. Researchers are now beginning to understand the correlation between stress and acne. For adult acne sufferers, stress is considered to be the leading cause to post-pubescent breakouts.

When we are exposed to stressful situations, the brain triggers the central nervous system, which in turn sends signals to the rest of the body as part of a primitive fight or flight response. Part of this response is hormonal release from our adrenal glands and fatty secretions from the sebaceous glands, which lay beneath the skin.

Both hormonal imbalance and fatty secretions, which can clog pores, are known contributors to acne outbreaks.

Hormonal Imbalances

Hormonal imbalances as a cause of adult acne primarily affect women. Imbalances that occur during a woman’s menstrual cycle or as a result of pregnancy can lead to acne outbreaks.

There are adult males who report that they have monthly acne episodes. While men obviously do not menstruate, it is believed that men may have hormonal cycles similar to women.

Coffee Consumption Adults tend to ingest more coffee than do teens. The caffeine in coffee and tea promotes the production of cortisol, which is also known as the stress hormone. As noted, hormone imbalances are known contributors to adult acne.

Smoking

The chemicals introduced into the body by cigarette smoking limit blood circulation to skin cells, inhibiting the skin’s ability to heal and regenerate. The toxins released in cigarette smoke can clog pores and promote bacterial growth in pores, all of which contributes to adult acne.

Heredity

Recent research has shown that people are more likely to suffer from adult acne if they have a family history of adult acne sufferers.

Environmental Job conditions that expose the skin to high levels of pollutants, irritants, or humidity can lead to an increase in adult acne.

Cosmetics

• Poorly formulated cosmetics that are heavy or greasy can clog skin pores, trapping bacteria, dirt, and oils resulting in adult acne breakouts. Covering acne with makeup can make the condition worse.

How the online gambling ban helps al qaeda

Groups like Al Qaeda may very well be using online casinos to raise money for their global Jihad, but does banning online gambling really hurt them. The answer to this question is absolutely not, it actually help them.

The way it helps them is easy to understand. Most of the money spent on online gambling was going to publicly owned British operators, but the online gabling ban passed by the American Congress put a stop to that.

Out of fear of repercussions, as soon as the law was signed these companies sold off all operations dealing with the USA, but online gambling is still going on, so now who is getting the money.

The problem with the Gambling ban is that it does not stop people from gambling online it only stops legitimate operations from getting the money and less reputable ones start getting rich.

It is these small casinos that before went mostly unnoticed, that will now be bringing in the billions that will still be wagered online.

It is also these casinos that have the best chance of being a front for AL Qaeda.

Some so called experts will tell you that this is not true and that it was thru owning shares in these publicly traded online casinos that terrorists were making money, but if they were buying shares of online casinos I am sure they are buying shares of Microsoft and Google. So why not ban them as well?

But once again the American people seem to be getting lied to by their elected Government officials, and it is time that we the people fight back against the government.

It is time we as a nation start to question and demand answers that make sense from them, after all they work for us, don’t they?

If you are tired of all the lies, then there is something you can do.

Jim Nickogoski the creator of the http: myspace. com/angryonlinegambler has started a web page to help fight against the Online Gambling Ban, the page also offers an online petition so you can tell the government you do not agree and you demand they reverse this unfair and unjust law.

The only real way for the government to ensure that money made from online gambling is not going to fund terrorism is to work together with the online casinos to regulate the industry with licensing so you really know who is getting your money. Only then can we be sure none of our money is going to the people killing out troops and threatening the American way of life.

So make your voice herd, write letters to senators, congressmen and even the President. Tell them you disagree with the law and ask them for real proof that this law is really what is best for us.

In the end I am sure the law will be reversed, maybe one day the government will learn what most Americans already know a ban on something never works, even if the government showed proof that online casinos are run by terrorists people would still play in them, just because they are not supposed to be it is just human nature.