JCG Financial

Determining the Cost of Life Insurance


Life insurance premiums are dependent on three variables:

1. Mortality
2. Interest
3. Expenses

Let’s consider each variable in turn.

Mortality: the concept of life insurance is based upon a large number of individuals sharing the cost of the risk of death. The cost to each group member is calculated by understanding the amount of risk. Insurance companies use mortality tables in order to provide a general estimation of how much they will need to pay each year for death claims. The mortality table allows a life insurer to determine life expectancy, on average, for each different age group.

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Common Heart Conditions

The heart works in order to keep the body supplied with blood and oxygen. Some conditions do occur in younger people, but more often, conditions tend to develop as we become older. Although not all the listed heart conditions are initially life-threatening, they all have the potential to be. Those listed are considered as heart diseases.


Cardiovascular disease

Cardiovascular disease may refer to a number of different types of heart or blood vessel concerns, but normally it's used to describe heart or blood vessel damage caused by atherosclerosis. Atherosclerosis is a build-up of fatty cells within the arteries. The arteries carry oxygen and nutrients away from the heart to other parts of the body, so they need to be healthy.
Through time, too much pressure may cause the walls to become thickened and stiff, which can lead to a restriction of blood flow, known as arteriosclerosis or hardening of the arteries. Atherosclerosis is the most common form of this particular disorder and is likewise the most common cause of cardiovascular disease. It's brought on by an unhealthy diet, not enough exercise, obesity, and smoking.

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With the very high prices of college textbooks, students and parents are always in the lookout to find places that sell cheap textbooks. Here's a list of places you can save money on school books.



Buying Real Estate Out Of State

I've lived all my life in Bucks County, PA, but last month my wife got a new job at Hasbro and we have to move to Rhode Island. We've been looking at many northern RI locations like, Cumberland, Lincoln, Smithfield, North Smithfield, etc.

We want to stay close to her work in Pawtucket, but still away from the city.

We decided on either Cumberland or Lincoln. These towns are both located close to highway 295, so the commute to work will be very easy and short.

Karen, our RI Realtor has been helping us with the home search, and we have a few homes in mind. A large colonial in Cumberland, and a custom colonial with a great pool and outdoors area in Lincoln.





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