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A whole life insurance policy covers you for your entire life. Your death benefit and premium in most cases remain the same. Whole life also builds cash value, which is a return on a portion of your premiums that the insurance company invests. Your cash value is tax-deferred until you withdraw it and you can borrow against it.

A whole life insurance policy may be used as a part of your estate planning. Consequently, whole life insurance is a good choice for you if you want to ensure that you have a life insurance policy in place for your entire lifetime and can comfortably afford the premiums, of if it fits within the framework of your estate or retirement plan.

While whole life insurance is designed to provide coverage on the insured for the insured's entire life as long as the premiums are paid and the policy has not been surrendered, term life insurance provides coverage only for a fixed period that is stated in the policy. It can be for one year or up to thirty years. Term insurance premiums are extremely affordable for a person in good health up the age of fifty. After that age, the premiums start to get progressively more expensive. Term should be purchased if you only need insurance for a specific period of time, such as if you want an outstanding fifteen or thirty year mortgage balance paid off in the event of an untimely death.

Universal life is a type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element, like whole life insurance, which is invested to provide a cash value buildup. The death benefit, savings element and premiums can be reviewed and altered as a policyholder's circumstances change. In addition, unlike whole life insurance, universal life insurance allows the policyholder to use the interest from his or her accumulated savings to help pay premiums.

Universal life insurance was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances. For example, if the savings portion is earning a low return, it can be used instead of external funds to pay the premiums.

Unlike whole life insurance, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly. As an example, the Indexed Universal Life may base the performance of its cash values on one of several indices, including the S & P 500 or the Dow Jones Industrial Averages. Moreover while it provides an opportunity for growth, it has guaranteed returns and provides considerable stability. In that it provides both growth potential and a safety net, it is excellent for college planning or retirement supplemental planning.

Keep up to date with timely financial tips and subscribe to the newsletter. Visit http://www.yourinfo.blogspot.com Will Barnes is a financial and personal growth consultant based in Illinois.

How to Write the Perfect Personal Statement for your University of Choice

What UCAS Has to Say

“This is your chance to tell the universities and colleges you have chosen why you are applying, and why they should want you as a student.” This is what the official UCAS website says about a personal statement. It also promises “In many cases, applicants are not interviewed, so this may be your only chance to make the case for your admission.” The last academic year has seen a record rise in applications, despite a fee hike of £3,000. Given the emphasis laid by UCAS on the personal statement and the pivotal role it plays in granting admissions, thousands of students would be scouring the internet in search of a perfect personal statement once again as their sixth form exams get over. Many of them will not pay attention to the fact that this ‘perfect’ and tailor-made statement does not exist, despite what the sites may say to lure them in. The very purpose of the personal statement is to grant a voice to the individual, and it fails if it is reduced to a matter of copy and paste.

The Ingredients

What should go into a personal statement to make it sound, sincere and set it apart from a false one? The first factor is, of course, originality. If the admission officer recognises a set pattern or can see evidence of copy-paste, the application would be rejected. So if you really want to get in there, you will have to say so, and sound like yourself. As a UCAS spokesman pointed out recently, while speaking on this issue, they are not on the look-out for brilliant students, but rather those who seem to have a genuine passion for their subject matter. This is something that varies from person to person because all of us have different ways of expressing ourselves.

The next requirement is clarity. UCAS officers are not on the look-out for Shakespeare. But they would appreciate it if the statement is purposeful, direct and written in simple, crisp English. To achieve this, the purpose should first be clear in the mind of the applicant himself, and then communication will not be a bar anymore.

There is also the matter of grammar. A student about to enter higher education is really not expected to make the kind of mistakes that a school kid would. Grammatical, syntactical and spelling errors are not digested well by admission officers anywhere.

The fourth important factor is that elusive thing known as a personal touch. It is a better idea to illustrate the statement with incidents from your life than Sir Isaac Newton’s, even if you are deeply interested in studying about gravity. This is where the personal statement begins to stand out, and an honestly interested student stands apart from the rest.

After all these, comes the style. It is a fact that the officer has to read a lot of entries and probably gets bored by his job. A statement with an eye-catching style would almost unfailingly work. Short, idiomatic sentences with a bit of humour are usually a good combination. Too many quotes are not welcomed; the university prefers to hear you rather than the most famous novelist of your time or the greatest scientist.

One can read up samples from the net, and it is actually suggested, but please do not copy these - you are calling in more trouble in the hope of saving yourself the trouble of writing the statement. Anything that does not play on these lines is a bad statement and will not work out.

Specificity

Just like each person needs a separate statement, so does each subject. And in the case of certain universities, the same customisation is needed. Oxford, East England, and Glasgow are very different as universities. They have different foci, and their policies aren’t the same either. It is best to design separate approaches for the top Oxbridge group, since each university has made the effort to stand apart and create its own identity.

As for subjects, needless to say, a chemistry student and a fine arts student cannot possibly sound the same. Within a specialisation, a veterinary surgeon and a student of medicine would also have separate statements. Even if you do share your friend’s interests, hobbies and inspirations, it is best not to share the personal statement. A specific approach towards a subject, with a justifiable interest in specialisation, but the ability and openness to change one’s decision as part of the learning process – this is a summary of what an admission officer is looking for. This part of the statement is tricky and has to be handled with a sense of balance.

A Warning

UCAS had commissioned CFL Software Development to do a survey of personal statements before the 15th October deadline in medicine, dentistry and veterinary science applications for Oxbridge universities. The findings – one-twentieth had copied from a free website and the same sample statement. Since they had blithely used the same sentences, they were easily caught. As the deadline drew nearer, the number of these copied applications increased. Most of it came as a conclusion to the statement or in the section where the candidate needs to state the reasons for taking up the subject. The warning – UCAS has decided to double the size of its fraudulent applications verification unit.

So, if you are on the look-out for that perfect personal statement, search your own mind first.

About the Author

James Walsh is a freelance writer and copy editor. If you are a UK or Overseas student applying for a place in a UK University, to stand out from the thousands of others, it is essential to have striking Personal Statement, for more information and professional guidance, see http://www.personal-statement.co.uk

Are snowboard boots universal?

I know the difference between step-in and strap bindings, but I am curious about something. I bought my own strap style boots and am wondering if they will work with a rental board at a mountain (with strap bindings). Thanks!

any strap in boots will work with strap in bindings. you just can't go step ins with strap ins or vise versa.

Sony 3DTVs go on pre-sale at Sony Style stores immediately, 'Cloudy' hits Blu-ray 3D June 22
After getting price and release date information in the UK , Japan and even Canada , Sony has finally seen fit to announce US details for the latest and greatest additions to the BRAVIA LCD lineup. Additionally, the software update to turn on Blu-ray 3D playback and DLNA streaming in its latest players (the out of the box 3D ready BDP-S770 ships next month ) is going out today, provided you can ...

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