Discover The Equity Indexed Universal Life Insurance Pros And Cons

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By Joe R. Maldonado

It would be advisable to learn about the equity index universal life insurance pros and cons before coming to any sort of decision about a purchase. With equity index universal life insurance (EIUL) there is usually a very high percentage of the premium that gets invested in traditional fixed income securities. The remainder (usually about 10-20 percent) gets linked to a specific stock index. Every time the market goes up a previously set percentage of gains gets credited to your policy. Even if the market falls you still get the minimum guaranteed rate.

If you are weary of the equities market, but you wish to purchase a variable insurance policy, you should seriously consider equity indexed universal life insurance. Should you decide to go with this option you will then have a chance to get some high returns, but you don’t have to risk what you invested.

With equity indexed universal life insurance, if your financial situation happens to change you can adjust your benefits as well as your premium accordingly. You can match your assets to the fluctuations of the index as well. Most of the time you can get a guarantee from the company that your credit rating will not fall below zero, no matter what happens with the market index. However, they can also put a cap on how much increase there can be on the cash value in the event that the index rises.

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Equity indexed universal life insurance can potentially credit up to 18 percent or possibly more, whereas traditional universal life plans will generally only provide below six percent. Most policyholders appreciate the level of participation they can have in the market with their equity index universal life policy.

Even though equity indexed universal life insurance is a fairly new type of insurance, this should not deter you from wanting to try it. There is no one policy that is going to be right for everyone, and of course equity indexed universal life insurance has its pros and cons. However, it does have a sort of following in the industry. You should look into equity indexed universal life insurance enough to determine if this option may suit your individual needs, or if there may be something else out there that would fit your family a little better. There is a lot of information available about it now, since it is rising in popularity.

On the plus side, this is a pretty straightforward type of policy. You make interest on your account which is then invested into a predetermined index. If all goes well, you will be fine. If things get tough, you shouldn’t worry too much. This just comes with the territory when you are working with indexed variable universal life insurance.

The best advantage is that most companies give you a guarantee that you will never suffer a monetary loss. However, there will be an earnings cap, so your ability to make money is slightly hindered.

Just try to consider the complete list of equity indexed universal life insurance pros and cons, and make your best educated decision as to whether this will be your best option!

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equity indexed universal life insurance pros and cons

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Wikinews interviews Joe Schriner, Independent U.S. presidential candidate

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Wikinews interviews Joe Schriner, Independent U.S. presidential candidate

Saturday, April 17, 2010

Journalist, counselor, painter, and US 2012 Presidential candidate Joe Schriner of Cleveland, Ohio took some time to discuss his campaign with Wikinews in an interview.

Schriner previously ran for president in 2000, 2004, and 2008, but failed to gain much traction in the races. He announced his candidacy for the 2012 race immediately following the 2008 election. Schriner refers to himself as the “Average Joe” candidate, and advocates a pro-life and pro-environmentalist platform. He has been the subject of numerous newspaper articles, and has published public policy papers exploring solutions to American issues.

Wikinews reporter William Saturn? talks with Schriner and discusses his campaign.

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Wikinews interviews Joe Schriner, Independent U.S. presidential candidate

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Wikinews interviews Joe Schriner, Independent U.S. presidential candidate

March 23, 2017 · Filed under Uncategorized

Saturday, April 17, 2010

Journalist, counselor, painter, and US 2012 Presidential candidate Joe Schriner of Cleveland, Ohio took some time to discuss his campaign with Wikinews in an interview.

Schriner previously ran for president in 2000, 2004, and 2008, but failed to gain much traction in the races. He announced his candidacy for the 2012 race immediately following the 2008 election. Schriner refers to himself as the “Average Joe” candidate, and advocates a pro-life and pro-environmentalist platform. He has been the subject of numerous newspaper articles, and has published public policy papers exploring solutions to American issues.

Wikinews reporter William Saturn? talks with Schriner and discusses his campaign.

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Wikinews interviews You-peng Wang of Taipei Electrical Commercial Association

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Wikinews interviews You-peng Wang of Taipei Electrical Commercial Association

March 23, 2017 · Filed under Uncategorized

Sunday, November 11, 2007

Besides becoming a political stomping ground for the Pan-Green and Pan-Blue coalitions, there are other changes from past years of Taipei Audio Video Fair (TAVF). With those changes in mind, Wikinews reporter Rico Shen interviewed You-peng Wang, chairman of the Taipei Electrical Commercial Association (TECA), the main organizer of TAVF, about the 60th year anniversary of TECA and the changes to the show.

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The Benefits Of Medical Weight Loss}

March 16, 2017 · Filed under Medicine

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Submitted by: Cameron Butler

Opt for Adrenal Fatigue, Medical Weight Loss, Food Allergy Testing if you wish to get back in shape.

Tension and anxiety has become a regular part of our life. Junk food items are our staple diet. Too much work pressure, lack of social life all these have contributed to a lifestyle where we are always fatigued and stressed to the core. We have an image in mind that we would like to portray slim, attractive us at the cost of dieting ourselves. But, this is not right! We end up damaging our health more than repairing it. So what can we do to counter attack this effect?

The best way to take stock of our health is by opting for Food Allergy Testing. Many of us are not aware of which food items we are allergic to and what kind of effect it might have on us. However, when we opt for this testing, we get a detailed list of food items that needs to be avoided if we wish to stay in shape and avoid any kind of rashes or skin infections.

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It is always better to opt for a diagnosed Medical Weight Loss than rampant dieting. Following any kind of diet charts that has not been advised by a medical practitioner, can lead to many harmful side effects. You will lose weight initially when you start dieting but soon your body will start craving for all type of fatty food items and you will end up consuming it. And when you start to binge eat, you end up eating more than you normally would. This is not a healthy sign and the side effects are many. But, when you opt for medical weight loss, the diet chart is prescribed by a certified dietician. They have the relevant knowledge and expertise and will suggest a diet chart keeping in mind your BMI and overall health and development.

In order to overcome Adrenal Fatigue it is best to seek medical assistance. When one is suffering from this type of fatigue, the adrenal gland is unable to carry out its normal functions thereby leading to higher stress levels. Hence, it becomes imperative that you seek out medical assi8stance if you wish to bring about a change in your health, well being and lifestyle.

With the ever changing lifestyle, it becomes imperative that you opt for these measures if you wish to bring about a change in your health. It is good to lose weight and stay in shape but not at the cost of adversely affecting your health.

Many medical centers have come up where these tests are conducted. If you are not sure of which medical centre to visit, you can always browse through the internet in order to find out who are the leading medical joints that conduct these tests. From there, make a list of the centers that you would like to check out. Collect as much information as possible and proceed accordingly.

So what are you waiting for? Go ahead and check out the service providers today. It is time to get back in shape.

About the Author: Refer to:

weekendweightlosscenter.com/

if you would like to know more about Adrenal Fatigue,Food Allergy Testing, Medical Weight Loss.Visit Url :-http://weekendweightlosscenter.com/allergies-immunotherapy/

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Triple limb-reattachment fails – boy loses foot

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Triple limb-reattachment fails – boy loses foot

March 16, 2017 · Filed under Uncategorized

Tuesday, April 5, 2005 Terry Vo, the 10-year old Australian boy who had two hands and a foot reattached by surgeons after losing them in an accident, has had to have the foot re-amputated. He will be given a prosthetic foot in its place.

The operation to re-attach three limbs was thought to have been a first – but was ultimately unsuccessful, with the foot having died inside, and receiving insufficient blood supply following the surgery to reattach it.

“That would lead to the small muscles in the foot actually constricting, the toes bending over and a deformed …. foot that is sort of clawed over and doesn’t have good sensation,” said plastic surgeon, Mr Robert Love today, on Australia’s ABC Radio.

“Even if you can get all of that to survive, he [would be] worse off than having had an amputation.”

“What is very disappointing is that for the first two days after [the operation] the foot looked absolutely magnificent,” he said.

Terry’s hands were healing well, said the surgeon. The prosthetic foot would allow him to walk normally, since his knee was intact.

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American surgeon Michael E. DeBakey dies at age 99

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American surgeon Michael E. DeBakey dies at age 99

March 16, 2017 · Filed under Uncategorized

Saturday, July 12, 2008

Michael Ellis DeBakey, world renowned heart surgeon, has died in Houston, Texas at the age of 99.

He was born Michel Dabaghi on September 7, 1908 in Lake Charles, Louisiana, to Lebanese immigrants Shaker and Raheeja DeBakey.

DeBakey was the chancellor emeritus of Baylor College of Medicine in Houston, Texas, and director of The DeBakey Heart Center of Baylor and the Methodist Hospital.

DeBakey pioneered the use of Dacron grafts to replace or repair blood vessels. In 1958, to counteract narrowing of an artery caused by an endarterectomy, DeBakey performed the first successful patch-graft angioplasty. This procedure involved patching the slit in the artery from an endarterectomy with a Dacron or vein graft. The patch widened the artery so that when it closed the channel of the artery returned to normal size. The DeBakey artificial graft is now used around the world to replace or repair blood vessels.

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NZ man stabbed in the face with a 15-centimetre knife

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NZ man stabbed in the face with a 15-centimetre knife

March 14, 2017 · Filed under Uncategorized

Friday, July 7, 2006

A 36-year-old man, who is yet to be named, is undergoing surgery after an attacker lodged a knife through one cheek and out the other. The handle broke off, leaving the 15-cm (about 6 inches) blade inside him. The man was rushed to hospital today, July 7, at about 2 a.m. NZST. The attack occurred last night after a domestic row in Albany on Auckland‘s North Shore.

New Zealand Police report that the knife just missed his optic nerve and his condition is stable and not life threatening.

John Chaplin, head and neck surgeon said, “the man could be treated relatively simply. The major blood vessels of the head were further back in the neck and the knife could be relatively easily removed in an operating theatre where bleeding could be controlled.”

The police have issued an arrest warrant for Vance Paraki Tuheke, 31-year-old, in relation to the attack.

The victim may suffer from some facial numbness.

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5 Steps Of Home Remedies To Treatment Your Acne Scar

January 21, 2017 · Filed under Dentist

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Submitted by: Firdavs Sattorov

One of the bad things that come with acne – scars on the skin. You can try plastic surgery to remove the scars, but it s always difficult, costly and can harm your organism. Best alternative to remove and treat your acne scars is home remedies with natural ingredients. This article provides you with 5 steps of home remedies which will treat you acne scars. So, let s begin.

Step #1 Clean Your Skin with Lemon Juice

This step of our homemade scar remedy will lighten dark acne scars. Take a little lemon juice (fresh and organic) and clean your face with it. After that, add about one tablespoon of lemon juice into a cotton ball. Smooth it over your acne marks. Wait for 10 minutes and rinse it. Remember that lemon juice can make your skin photosensitive that is why be careful (make sure to use sunscreen on the areas where you used lemon juice for treatment before going out into the sun).

Step #2 Exfoliate Your Skin with Baking Soda

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The second step is about exfoliating of your skin to remove acne scars with baking soda. You can use baking soda to make your mini microdermabrasion cure (microdermabrasion wearing away of the upper layers of the skin). Take 1 teaspoon of baking soda and 2 teaspoons of clean water and mix them. Then carefully rub the mixture on your acne scars and after 1 minute rinse it off.

Step #3 Moisturize You Skin with Olive Oil

After using baking soda for exfoliation of your skin, your skin can lose its suppleness and elasticity. To moisturize your skin, take a cotton ball and add few drops of olive oil and massage it onto your face. It should penetrate the skin and soften the skin s texture.

Step #4 Gentle Acid Exfoliation with Fruits for You Skin

Besides of supplying our skin with collagen building vitamin C, fruits can also be useful when to smear them onto our face for gentle acid exfoliation. Take 0.25 cup of pineapple and smooth it onto your scars on the face. Wait for 15 minutes and rinse it off. It will impart a brightening effect on your face.

Step #5 Water for Your Organism

Water besides of being vital for human beings is also a good nature product to remove toxins from our organism, to keep the skin plum and to build new skin cells (which is very important in acne scar remedy). So, to keep your organism with water, drink at least 80 ounces of clean and filtered water in a day.

Don t wait miracle while using this steps to get rid of your acne scars. Every remedy will give results only when you make them constantly and also don t forget to advice with your doctor before using this remedies to be sure that you have not allergy for this natural products.

I wish you to treat your acne scars successfully and healthy life my dear reader. Don t give up and try various remedies and you will be succed.

About the Author: Here are also

homemadeacnecure.hubpages.com/hub/Natural-Herbal-Remedies-for-Acne

and

homemadeacnecure.hubpages.com/hub/Top-10-Homemade-Face-Masks-for-Treatment-of-Acne

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Author Amy Scobee recounts abuse as Scientology executive

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Author Amy Scobee recounts abuse as Scientology executive

January 21, 2017 · Filed under Uncategorized

Monday, October 11, 2010

Wikinews interviewed author Amy Scobee about her book Scientology – Abuse at the Top, and asked her about her experiences working as an executive within the organization. Scobee joined the organization at age 14, and worked at Scientology’s international management headquarters for several years before leaving in 2005. She served as a Scientology executive in multiple high-ranking positions, working out of the international headquarters of Scientology known as “Gold Base”, located in Gilman Hot Springs near Hemet, California.

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