Cash value life insurance: What s it worth to you? #whole #life #insurance #policy #cash #value


Cash value life insurance: What’s it worth to you?

By | Last updated: Jan. 1, 2015

When you shop for life insurance, you’ve got two basic options: term or permanent life insurance.

Term life insurance covers you for a specific period of time, usually 10, 15, 20 or 30 years. If you live past your policy’s term, there is no payout to your beneficiaries.

Permanent life insurance, such as whole life, universal life or variable universal life insurance, covers you for the duration of your lifetime. It also offers a feature that’s commonly viewed as a strong selling point: cash value. In addition to lifelong insurance coverage, a portion of your premium payments goes toward a cash value account that grows tax-deferred over time.

When is building up cash value worth the extra money you’ll pay for the permanent life insurance policy?

Cash value: Worth the extra cost?

The cash value account is one reason whole life insurance premiums are higher than premiums for term insurance. Cash value grows slowly at first and generally picks up earnings speed after several years. The cash value in your policy grows each year with interest, tax-deferred. (Some policies grow cash value at a more steady rate; your insurance agent will show you illustrations of possible outcomes.)

Once you have accumulated enough cash value, you can opt to use it to cover your premium payments. This is known as being “paid up.” If you decide to withdraw some cash value, you may have to resume premium payments to keep the life insurance policy in force.

Another common way people access their cash value is by taking out a loan against their policy and paying it back with interest at a rate that’s generally lower than a bank loan. You’re not obligated to pay it back, but the money you owe, plus interest, will be deducted from the death benefit when you die. So if you don’t pay it back, your beneficiaries will lose out.

You can also make a full or partial withdrawal of your cash value. Depending on your policy and level of cash value, a withdrawal might reduce your death benefit. Exactly how much varies by policy, but in the case of universal life insurance your death benefit would be reduced on a dollar-for-dollar basis. For example, if you had a $100,000 death benefit with a $20,000 cash value and you withdrew $10,000, your resulting death benefit would be $90,000.

In some cases, partially withdrawing your cash value could greatly reduce your death benefit. For some traditional whole life insurance policies, the death benefit could be reduced by more than the amount you withdraw.

Cash value at a glance

Let’s take a look at possible scenarios of building cash value in a traditional whole life insurance policy. (The below examples are from New York Life Insurance Co.) Remember, illustrations will vary greatly depending on the insurer, the policy face amount, the policy type and your rating classification (preferred plus, preferred, standard, etc.).

Below are illustrations of how much cash value a 35-year-old nonsmoking male with a preferred-rate $100,000 whole life insurance policy could build up over his lifetime. Policy values and benefits shown are based on a dividend scale that is not guaranteed and could be more or less than what’s shown.

The first set shows what could happen to the cash value and death benefit if he taps his cash value to pay premiums. The second set shows what could happen if he pays his premiums himself every year.

Example 1: Using cash value to offset premium payments

Source: New York Life Insurance Co.

You may be looking at this example and adding up cash value plus death benefit, but remember: With ordinary whole life insurance policies like this one, your beneficiaries do not receive the cash value when you die; they receive only the death benefit.

There are other options. New York Life and other insurers also offer universal life insurance policies that pay out the death benefit plus cash value or the death benefit plus return of premium upon your death.

Buy term and invest the rest?

You may have heard the advice to “buy term and invest the rest” rather than pay the extra premiums for the “forced savings” of a cash value policy. There are good reasons for choosing either term or permanent life insurance, depending on your financial goals. And if you’re investigating term life vs. perm, it’s helpful to be able to compare as directly as possible the costs and benefits of a term policy to a cash value policy of the same face value.

Below is a look at buying a New York Life whole life insurance policy compared to buying term life insurance in the same face amount and investing the premium difference in a “side fund” such as a bank or mutual fund. This comparison comes courtesy of James Hunt, an actuary for the Consumer Federation of America (CFA) and former insurance commissioner of Vermont. His analysis estimates the “real” interest rate earned on savings within a cash value policy.

Cash value policy vs. buying term and investing the difference every year

Source: James Hunt, Consumer Federation of America
Due to space limitations, the full 12-column analysis cannot be displayed.

In this comparison, Hunt shows that if you buy a comparable term life insurance policy you need to earn 4.6 percent in your investment vehicle in order for your side fund to equal this whole life’s cash value after 20 years. If your term life insurance side fund is invested in a bank CD or bond fund, you may not be able to net 4.6 percent after taxes.

Also important to note is the fluctuating rate of return on cash value in this particular whole life insurance policy. Your first year’s premium disappears into fees and expenses without a penny into your cash value account. Only at year 4 does the cash value rate of return go positive. That means if you drop this policy within the first few years, you’ve made a terrible investment.

And according to LIMRA International, 12.7 percent of whole life insurance policyholders will lapse their policies in the first year, 8.1 percent will lapse in the second year and another 5.5 percent will lapse in the third year.

Whole life policy average rate of return

This estimate applies only to the New York Life policy example above.

Source: James Hunt, Consumer Federation of America

The chart at the right summarizes the estimated average rate of return if you kept this particular life insurance policy 5, 10, 15 or 20 years. Even if you held this policy for 10 years, your estimated cash value average rate of return works out to only 2 percent because you’re still making up ground for those expensive first few years. You should be prepared to hold a whole life insurance policy for the long haul in order to make a potentially good investment.

Remember, this is one example of just one better-than-average whole life insurance policy and you may receive illustrations that look better or worse. Hunt’s rate of return analysis is offered through the CFA at .

According to the Society of Actuaries (SOA), premiums for whole life insurance can be 5 to 10 times higher than the same amount of term life insurance, depending on the kind of level term being compared. For example, if you’re comparing the premiums of 30-year level term it will be a smaller multiple, while premiums on a 10-year term policy could be a larger multiple.

Other considerations

Your cash value grows tax-deferred. Cash value is only taxable when it’s worth more than what you have paid into the policy. For example, if you’ve paid $20,000 in premiums, have $25,000 in cash value and withdraw $23,000, $3,000 is taxable. If you withdraw less than what you have paid into the policy, you are not going to be hit with taxes.

Having your cash value exceed your premium payments isn’t rare, but it takes a long time. It can take 12 to 15 years on an average whole life insurance policy or 15 to 20 years on universal life insurance, depending on how much premium you’ve paid in, according to the SOA. The slow accumulation of wealth makes cash value a less desirable choice for the short term.

A loan you take against your cash value could be taxed if you surrender or lapse the policy before you finish paying back the loan. The taxable portion is the difference between the loan amount and the total amount of premiums you have paid into the policy.

Ultimately, your buying decision depends on your financial goals. If you need life insurance for a finite number of years (for example, until your children graduate from college), term life insurance offers pure insurance protection. But if you’re looking to create an estate, or ensure that your beneficiaries will receive a benefit no matter when you die, whole life insurance fills that need.

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For all of you you have been begging for them (literally!). here you go! We have decided to once again carry a few offerings for Catheters, due to the overwhelming requests!

Thanks so much to all of your loyalty and support. as always, be safe, sane and consensual. but most of all: HAVE FUN!

Keep checking back in as we add more.

Get educated! Read all about about Catheters and Catheter Play in our Medical Fetish Library.

Of all the insertables used in role play, the catheters offer a special sort of control game for the BDSM scene. There is no control over the urinary function: if the catheter is left open, the bladder will drain completely into a leg bag (as shown left) or a larger table/bedside drainage bag and continue to drain as more urine is produced by the body.

If the catheter is closed off by a clamping device, they cannot urinate. even if they wanted to! And you can be sure. Insertion and removal are definitely highlights of this procedure!

As with all insertables, play safe and remember catheters must be played with only if they are sterilized, so we suggest getting a few, to be sure you’re getting a sealed packaged catheter.

Catheters: Brief History

The earliest precursor to the present day Foley catheter is documented in 3000 B.C. It is believed that Egyptians used metal pipes to perform bladder catheterizations. As early as 400 B.C. hollow reeds and pipes were used in cadavers to study the form and function of cardiac valves.

In 1844, Claude Bernard inserted a mercury thermometer into the carotid artery of a horse and advanced it through the aortic valve into the left ventricle to measure blood temperature. It is because of his work that the use of catheters became the method of standard for physiologists in the study of cardiovascular blood flow.

Adolph Fick took another major step in the development of cardiac catheterization in 1870. His famous note on the calculation of blood flow is the basis for today’s cardiac procedures.

Among the earliest published descriptions of human catheterization were done by Fritz Bleichroeder, E. Unger, and W. Loeb in 1912. They were among the first to insert catheters into the blood vessels without x-ray visualization. Interest in catheterization was also stimulated with the advent of chemotherapy.

Early chemotherapy required the injection of drugs directly into the central circulation. Bleichroeder inserted catheters into dog arteries and assessed the effects after leaving them in place for several hours. He reported no complications or clots.

The Foley Catheter came into existence in the 1930s. Frederick E. B. Foley began to experiment with different catheters of the time. He realized that urinary catheters would easily slip out of the bladder because there was no way to hold them in place.

Foley experimented with different methods of securing the catheter until he came up with the idea of attaching a balloon-like device to the end of the catheter. The device would then be able to be placed and then inflated from the outside. By 1934, Foley catheters were on the market. Other than in material, the Foley catheter remains relatively unchanged in design today!

Male External Catheters or “Texas Catheters”

Male external catheters have traditionally been used for the management of urinary incontinence due to surgery, injury and disease. These “condom type” devices are placed over the penis and attached to a collection device, usually a leg bag which is worn under the clothes for mobility or a bedside drainage bag for prolonged bed stays.

The nonsensitizing adhesive provides a reliable bond to the skin for extra confidence and maximum wear time. A kink-proof funnel helps ensure uninterrupted urine flow.

They are clear which allows easy inspection of skin and attachment area and made of either latex or silicone.

Our wide band Texas catheter has the adhesive built into almost the entire sheath wall. It has 70% more adhesive area than is found in other self-adhering styles, which helps prevent urine migration up the penis shaft, which results in premature removal, and it helps prevent urine build-up around the head of the penis, which results in catheter blow-off!

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PhD in School Psychology: School of Education: Loyola University Chicago #phd #in #psycology


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The PhD in School Psychology is conferred by conferred by The Graduate School and accredited by the National Association of School Psychologists (NASP ) and the Commission on Accreditation of the American Psychological Association (APA )*. As such, the PhD program graduates professional school psychologists who are broadly educated within the context of the scientific bases of general psychology and who are more specifically educated in the application and generation of knowledge in their specialized discipline aligned with NASP training standards and the program’s APA goals, objectives and competencies .

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  • Learn from respected faculty who are leaders in their fields.

Explore the program

The School Psychology Program Distinguished Alumnus/a Award is awarded for outstanding contributions to the profession and the school. It is presented annually at the School of Education s Fall Alumni Reception.

Next steps

*The next APA accreditation site visit for the Ph.D. School Psychology program will be held in 2018. Questions related to the program s accredited status should be directed to the Commission on Accreditation:

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What Are the Common Causes of Umbilical Bleeding in Newborns? mobile wiseGEEK #is #it #normal #for #the #umbilical #cord #to #bleed


wiseGEEK: What Are the Common Causes of Umbilical Bleeding in Newborns?

The umbilical cord connects a baby to its mother while it is growing and developing in the womb. When a baby is born the umbilical cord, no longer necessary, is tied tightly and cut. Most of the time, the stump of the cord dries up and falls off of the baby without incident. Sometimes, there can be issues that result in umbilical bleeding in the newborn. Typical causes include a failure to heal properly, getting caught on the baby’s clothing, and being pulled off before it is ready.

One of the most common causes of umbilical bleeding in newborns is the baby’s diaper or clothing rubbing against the cord. When this happens, it can remove the scab and cause it to bleed, though usually not significantly. This is typically not cause for concern, though if the bleeding persists for more than a few days most medical professionals recommend the child be seen by his or her doctor.

The problem can be minimized by folding down the front of the diaper. This leaves the umbilical area exposed, which allows the cord stump to dry out. Additionally, it prevents the diaper from rubbing against the umbilical area.

When the baby’s cord stump is almost ready to fall off and is barely connected to the baby, it is not uncommon for a parent to pull it the rest of the way off, or for the stump to get snagged by some clothing. Even if the cord is barely attached, pulling it off of a baby in this way can cause umbilical bleeding in newborns. The stump should never be pulled or cut off of the baby, but should be allowed to fall off when it is ready, which will greatly minimize chances of bleeding.

Umbilical bleeding in newborns can also be caused by incomplete healing of the umbilical cord area, which happens for a number of reasons. Slight pressure on the area with a few gauze pads can help to stop such bleeding quickly. As with other umbilical cord bleeding, it is most likely no cause for concern. A small bit of blood on the diaper or baby’s clothing is normal in this case. If the umbilical site is oozing blood and it doesn’t stop within 15 minutes, or if there is a significant amount of blood, the baby should be seen by a doctor immediately, to prevent any possible complications.

Article Discussion

3) Sometimes newborn umbilical bleeding lasts a long time because even though it crusts up, it can bleed again when the baby moves around or cries.

The bleeding should disappear in a few days as the belly button heals. If it doesn’t, then take her to a doctor.

1) My son’s umbilical cord fell off after four days and I have been noticing some minor bleeding daily since then. It’s just a few drops of blood I find on his clothes or his towel after a bath. If there was major bleeding, I would have certainly rushed him to the doctor. But it’s just a drop of blood here and there.

Is this normal? How long will it continue for? Do I need to do anything about it?

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The Carpet Foundation is an organisation set up to promote British carpet manufacturers and independent carpet shops throughout the UK. All members have signed up to a Code of Practice which is approved by Trading Standards.

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Request your free carpet samples to get an idea of the carpet colour and texture in the comfort of your own home. By browsing through Cormar’s ranges. you can click on the carpet to request your carpet sample.

Alternatively visit one of our recommended retailers to view these ranges in a larger piece.

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11 Tips for Safe Online Shopping #retail #coupons #online

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11 Tips for Safe Online Shopping

Billions of dollars will be spent online over the course of the next month, and, unfortunately, there are those that will be looking to steal some of it. Make sure you’re not a victim.


Let’s face it, there’s every reason in the world to shop online. The bargains are there. The selection is mind-boggling. The shopping is secure. Shipping is fast. Even returns are pretty easy, with the right e-tailers. Shopping has never been easier or more convenient for consumers.

But what about the bad guys who lay in wait? IID’s Third Quarter eCrime Report for 2011 indicates that use of phishing attacks (where thieves attempt to swindle you out of your sign-in credentials and even credit card info by pretending to be a real website, or even an online bank) is down, as much as eight percent since the second quarter and 11 percent since the third quarter of last year. That’s great news except the same report says sites with malware (malicious code aimed at compromising your privacy) has increased by 89 percent since the second quarter.

Stay calm. While somewhat alarming, these stats should not keep you from shopping online. You simply need some common sense and practical advice. Follow these basic guidelines and you can shop online with confidence. Here are 11 tips for staying safe online, so you can start checking off items on that holiday shopping list.

1. Use Familiar Websites
Start at a trusted site rather than shopping with a search engine. Search results can be rigged to lead you astray, especially when you drift past the first few pages of links. If you know the site, chances are it’s less likely to be a rip off. We all know and that it carries everything under the sun; likewise, just about every major retail outlet has an online store, from Target to Best Buy to Home Depot. Beware of misspellings or sites using a different top-level domain (.net instead of .com, for example) those are the oldest tricks in the book. Yes, the sales on these sites might look enticing, but that’s how they trick you into giving up your info.

2. Look for the Lock
Never ever, ever buy anything online using your credit card from a site that doesn’t have SSL (secure sockets layer) encryption installed at the very least. You’ll know if the site has SSL because the URL for the site will start with HTTPS:// (instead of just HTTP://). An icon of a locked padlock will appear, typically in the status bar at the bottom of your web browser, or right next to the URL in the address bar. It depends on your browser.

Never, ever give anyone your credit card over email. Ever.

3. Don’t Tell All
No online shopping store needs your social security number or your birthday to do business. However, if crooks get them, combined with your credit card number for purchases, they can do a lot of damage. The more they know, the easier it is to steal your identity. When possible, default to giving up the least amount of information.

4. Check Statements
Don’t wait for your bill to come at the end of the month. Go online regularly during the holiday season and look at electronic statements for your credit card, debit card, and checking accounts. Make sure you don’t see any fraudulent charges, even originating from sites like PayPal. (After all, there’s more than one way to get to your money.)

If you do see something wrong, pick up the phone to address the matter quickly. In the case of credit cards, pay the bill only once you know all your charges are accurate. You have 30 days to notify the bank or card issuer of problems, however; after that, you might be liable for the charges anyway.

5. Inoculate Your PC
Swindlers don’t just sit around waiting for you to give them data; sometimes they give you a little something extra to help things along. You need to protect against malware with regular updates to your anti-virus program. PCMag recommends Webroot SecureAnywhere Antivirus (4.5 stars, Editors’ Choice, $39.95 direct), which has extras to help fight ID theft, or at the very least the free Ad-Aware Free Internet Security 9.0 (4.5 stars, Editors’ Choice).

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High-Quality Fitted Carpets in London at Great Value – Carpets Direct #books #retail

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Welcome to Carpets Direct In London

If you’re looking for quality wool, striped, or carpets, commercial carpets and more you’ve come to the right place. We at Carpets Direct were one of the first companies allowing customers to browse our quality carpet selection online and purchase an excellent range of wool and striped carpets in London and the South East.

We’re able to uplift and remove old carpets free of charge to make room for your brand new top grade flooring choice. We aim to make sure that purchasing your carpet is as simple and easy as possible. It’s this dedication to our customers that means we have an unrivalled reputation as one of the UKs leading suppliers of commercial, wool and striped carpets.

We make sure we stock products for every room and every single one of our lovely carpets comes at great prices. You’ll struggle to find another striped or wool carpet dealer that offers such great services at these prices.

Our entire collection is conveniently shown on our site making choosing your carpet a simple process. Compare at your own pace with no high pressure salesmen involved so you can ensure you’re getting the right carpet, at the right price.

All our products are hard wearing so you can be assured that your flooring will last you for years to come. We’re also able to visit you at home or your office premises with our mobile carpet showroom in the London and the South East. This is just one of the many services we offer ensuring that finding your ideal carpet is as easy as can be.

It doesn’t matter where you’re situated in the UK, we fit nationwide. Its services like this that makes us the one stop shop for carpets, rugs and flooring for many. We only choose the best samples from the biggest brand companies to help make sure that we’re giving all customers and clients the very best in quality.

If you have any questions about our products or services, feel free to contact us. We’re always happy to help and will stop at nothing to ensure that you’re happy with your purchase, as Carpets Direct are happy to come to your home or office in London to provide the personal touch!