Life Insurance is an insurance product that pays at the death of the insured. It really should be called "Death Insurance," but people don't like that name. But it insures the death of an individual. Actually, what is insured is the economic loss that would occur at the death of the person insured. Those economic losses take a lot of different forms, such as: - the income stream of either "breadwinner" in a family - the loss of services to the family of a stay-at-home-mom - the final expenses at the death of a child - final expenses of an individual after an illness and medical treatment - "Keyman" coverage, which insures the owner or valuable employee of a business against the economic loss the business would suffer at their death - estate planning insurance, where a person is insured to pay estate taxes at death - "Buy and Sell Agreements," in which life insurance is purchased to fund a business transaction at the untimely death of parties in the transaction - Accidental death insurance, in which a person buys a policy that pays in case they die due to an accident - Mortgage life insurance, in which the borrower buys a policy that pays off the mortgage at death - and many more. Life insurance has been around for hundreds of years, and in some cases, has become a much better product. The insurance companies have been able to develop mortality tables, which are studies of statistical patterns of human death over time...usually over a lifetime of 100 years. These mortality tables are surprisingly accurate, and allow the insurance companies to closely predict how many people of any given age will die each year. From these tables and other information, the insurance companies derive the cost of the insurance policy. The cost is customarily expressed in an annual cost per thousand of coverage. For example, if you wanted to buy $10,000 of coverage, and the cost per thousand was $10.00, your annual premium would be $100.00. Modern medicine and better nutrition has increased the life expectancy of most people. Increased life expectancy has facilitated a sharp decrease in life insurance premiums. In many cases, the cost of insurance is only pennies per thousand. There is really only one type of life insurance, and that is Term Insurance. That means that a person is insured for a certain period of time, or a term. All of the other life insurance products have term insurance as their main ingredient. There is no other ingredient they can use. However, the insurance companies have invented many, many other life products that tend to obscure the reasons for life insurance. They also vastly enrich the insurance companies. Term Insurance The most basic life insurance is an annual renewable term policy. Each year, the premium is a little higher as a person ages. The insurance companies designed a level premium policy, which stopped the annual premium increases for policyholders. The insurers basically added up all the premiums from age 0 to age 100 and then divided by 100. That means that in the early years of the policy, the policyholder pays in more money that it takes to fund the pure insurance cost, and then in later years the premium is less than the pure insurance cost. The same level term product can be designed for terms of any length, like 5, 10, 20, 25 or 30 year terms. The method of premium averaging is much the same in each case. But this new product caused some problems. Insurers know that the vast majority of policyholders do not keep a policy for life. Consequently the level term policyholders were paying future premiums and then cancelling their policies. The insurance companies were delighted because they got to keep the money. But over time, they developed the concept of Cash Value. Cash Value Insurance With Cash Value insurance, a portion of the unused premium you spend is credited to an account tied to your policy. The money is not yours...it belongs entirely to the insurance company. If you cancel your policy and request a refund, they will refund that money to you. Otherwise, you have other choices: 1. Use the cash value to buy more insurance 2. Use the cash value to pay existing premiums 3. You may borrow the money at interest 4. If you die, the insurance company keeps the cash value and only pays the face amount of the insurance policy. So, does this cash value product make sense? My response is "NO!" Cash Value Life Insurance comes in lots of other names, such as: - Whole Life - Universal Life - Variable Life - Interest Sensitive Life - Non-Participating Life (no dividends) - Participating Life (pays dividends) Many life insurance agents and companies tout their products as an investment product. But cash value insurance is not an investment. Investment dollars and insurance premiums should never be combined into one product. And investment dollars should NEVER be invested with an insurance company. They are middle men. They will take your investment and invest it themselves, and keep the difference. Think about the methods that agents use to sell life insurance, and compare them to any other type of insurance. What you'll see is that life insurance sales tactics and techniques are ridiculous when compared to other insurance products. Would you ever consider buying a car insurance policy, or homeowners policy, or business insurance policy in which you paid extra premium that the insurance company kept, or made you borrow from them? But, curiously, life insurance agents have been wildly successful convincing otherwise intelligent people that cash value life insurance is a good product to buy. Care to guess why insurance agents have aggressively sold cash value insurance and eschewed term insurance? Commissions. The insurance companies have become vastly wealthy on cash value insurance. So, to encourage sales, they pay huge commissions. Term insurance commissions can range from 10% to 50%, sometimes even 100%. But cash value insurance commissions can be up to 100% of the first year's premium, and handsome renewal commissions for years after. But it's not just the commission rate that matters. It's also the premium rates that come into play. Term insurance is FAR CHEAPER than cash value insurance. Here's an example of a 30 year old male, non-smoker, buying $100,000 of coverage: Term insurance costs $0.50 per thousand for a premium of $50.00. At 100% commission, the commission would be $50.00. Cash Value insurance costs $12.50 per thousand for a premium of $1,250.00. At 100% commission, the commission would be $1,250.00. So you see that it would be easy for an agent to place his own financial well-being ahead of the well-being of his client. He would have to sell 25 term policies to make the same commission as only one cash value policy. But, in my opinion, that agent would have violated his fiduciary duty to the client, which is the duty to place the client's needs above his own. The agent would also have to set aside his conscience. My opinion is that life insurance agents operate from one of three positions: 1. Ignorance - they simply don't know how cash value insurance works. 2. Greed - they know exactly how cash value insurance works and sell it anyway. 3. Knowledge and Duty - they sell term insurance. Which agent do you want to do business with? How do I know this stuff? Because I sold cash value life insurance early in my career. When I started as an insurance agent in 1973 I knew absolutely nothing about how life insurance worked. The insurance company taught me to sell whole life insurance, and to discourage clients from term insurance. But, after some time of reading and research, I learned that cash value insurance is a bad deal. I began to sell only term insurance. I refused to set aside my conscience. I also went back to some early clients and switched their policies from cash value to term. The insurance company fired me for that decision. I found a new insurance company that only sold term insurance and also paid high commissions. I made a good living selling term insurance, so I know it can be done. So, as you shop for life insurance, please accept the advice of an old agent. Never, never, ever buy cash value life insurance. Buy term insurance. Now, I'd like to offer you two special reports at no cost. One is "5 Things To Do When Shopping For Car Insurance," and the other is "5 Things To Avoid When Shopping For Car Insurance." Each one is a $9.95 value, but free to you when you sign up for my newsletter at the website address below. P.S. WARNING!! Do Not Buy Insurance, or Submit an Insurance Claim Without Visiting This Website! check out: Get Special Reports Get Insurance Quotes and Claim Strategies at InsuranceQuoteHQ. New book, "Commercial Insurance Claim Secrets REVEALED!" coming soon

Classic Lasagna

Rather than using the mix ground beef and sausage listed in this recipe, you can use whatever kind of meat your family enjoys – just plan for about two pounds total.
INGREDIENTS
  • 1 pound box of dry lasagna noodles (you will need 16 noodles. A one pound box contains 20 noodles so you will have four extra. Usually a few get broken so this usually works out)
  • For the Meat Sauce
  • 2 tablespoons extra virgin olive oil
  • 1 cup chopped onions
  • 1 tablespoon chopped garlic
  • 1 pound ground beef
  • 1 pound ground Italian sausage meat (hot or sweet your choice)
  • 1 28-ounce canned crushed tomatoes (we use Cento)
  • 2 tablespoons tomato paste
  • 1 teaspoon salt
  • ¼ teaspoon freshly ground black pepper
  • 1 teaspoon dry oregano
  • 2 tablespoons dry basil or 3 tablespoons chopped fresh basil
  • Pinch red pepper flakes
  • 2 teaspoons chopped fresh mint
  • For the cheese mixture
  • 2 pounds whole milk ricotta cheese
  • 1 cup shredded mozzarella
  • 2 eggs beaten
  • 1 cup grated Parmesan cheese
  • 1 teaspoon salt
  • ¼ teaspoon freshly ground black pepper
  • ½ cup chopped fresh Italian flat leaf parsley
  • Other ingredients you’ll need
  • 2 ½ cups tomato sauce (see recipe here)
  • 8 ounces fresh mozzarella sliced into 12 slices
  • 3 cups shredded mozzarella
  • ½ cup grated Parmesan cheese

INSTRUCTIONS
  1. Cook lasagna noodles according to box directions but keep them slightly undercooked (cook approximately 7-8 minutes). They should still have a good bite to them. Rinse and cool. Keep moist while you prepare the rest of the dish.
  2. In a large skillet, heat the olive oil and cook the onions for about two minutes over medium high heat. Add the garlic and cook one more minute. Add the meat, stir and cook until there is no pink. Depending on the fat content of the meat you are using, you may need to drian off some liquid. There should only be a few tablespoons of liquid after cooking the meat. Add crushed tomatoes, tomato paste, 1 teaspoon salt, ¼ teaspoon pepper, oregano, basil, red pepper flakes and mint. Reduce to medium and simmer ten minutes, stirring occasionally. Set aside.
  3. In a medium bowl, mix ricotta, 1 cup shredded mozzarella, beaten eggs, 1 cup Parmesan cheese, 1 teaspoon salt, ¼ teaspoon pepper and the chopped parsley. Mix to combine and set aside.
  4. Preheat oven to 375 degrees and put oven rack in center of oven.
  5. In a 9X13X3 glass baking dish, ladle in one cup of tomato sauce into the bottom and lay four lasagna noodles overlapping slightly. Add one third of these cheese mixture, one third of the meat mixture and half of the sliced fresh mozzarella. (The sliced mozzarella will not cover the whole pan, just spread as evenly as possible). Repeat with four more noodles, one third of cheese mixture, one third of meat mixture and the other half of sliced fresh mozzarella. Cover with four more noodles and top with remaining cheese mixture, remaining meat mixture and 1 ½ cups shredded mozzarella cheese. Finish with four more noodles, 1 ½ cups tomato sauce, 1 ½ cups shredded mozzarella and ½ cup grated Parmesan cheese.
  6. Lay a piece of parchment paper over top and then cover tightly with foil. Cover a sheet pan with foil and place a rack in foiled pan. Now place the covered lasagna on the rack and place in the oven. The rack is to circulate heat and the lower pan will catch and drips.
  7. Bake for one hour covered. Remove foil and parchment and cook uncovered for 30 more minutes. Let rest 15-30 minutes before cutting.
Recipe Adapted From afamilyfeast.com

DESCRIPTION
Rather than using the mix ground beef and sausage listed in this recipe, you can use whatever kind of meat your family enjoys – just plan for about two pounds total.

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