Nobody want her....still listed. 14 weeks old German Shepherd begs for her life

The majority of senior residents of North America are not able to afford long-term care due to the high cost. Only a few seniors use their insurance to cover the expenses for long-term care. This is a serious issue; too many seniors are unprepared for these costs, leaving them and their families at financial risk. There is a solution: purchasing life protection can help cover all possible expenses for long-term care. There are also several other advantages of purchasing life insurance for seniors; find out about these below.

Provide Financial Support for Your Spouse

Married elderly couples are often anxious about leaving their better halves with debt after passing away, and for good reason. Funerals in countries of North America are quite expensive - they can cost as much as $5,000 or more. Not every family can afford these costs, and that is why life coverage comes as a practical solution.

Life protection policies can fully cover the expenses of the funeral and burial of one spouse, and that coverage can bring some peace of mind to the insured person. Covered by a life protection policy, the individual can be sure that his or her significant other will receive the necessary support to deal with the financial side of a funeral.

In addition, a surviving spouse can use the funds from the coverage to increase the benefits from their pension plan.

Life insurance for seniors makes it simpler to deal with the expenses of a funeral, and that means the financial pressure does not add to the already-stressful situation.

You Can Still Get Life Insurance If You Are Sick

A lot of the insurance companies that provide traditional life protection policies often refuse to provide life protection for seniors who have pre-conditions. A serious illness poses a high risk to your life, not to mention the fact that advanced age also contributes to that increased risk. These are the main reasons an insurance company will decline your life insurance application.

Having a pre-condition does not mean you are left without life coverage at all, though. There are many insurance companies that do provide insurance for people who cannot or do not want to undergo a health exam. This type of insurance, often called no medical life insurance, does not require a medical examination for qualification; however, this feature also makes the price of this type of insurance higher, compared to a traditional life protection policy.

There are two types of life insurance policies that do not require a health exam: guaranteed issue and simplified issue. Guaranteed issue insurance plan requires no medical tests and no medical questions; that means that you are approved for this insurance automatically, but you will have to wait two years before the policy starts to work. Simplified issue insurance requires you to answer a series of questions, but there is no medical examination, and the policy provides coverage from day one.

The Bottom Line: Life Insurance Is a Reasonable Choice for Seniors

Progress in technology and healthcare are making it possible for people all over the world to live longer lives. That is why the senior population is outnumbering the population of younger people, and it is also why more life coverage alternatives have to come into play. Before these changes, one could not afford life insurance if they were older than 60 or 70 years of age. Now, it is no longer an issue - older people no longer have to worry about leaving their families with nothing but emotional and financial distress when they are gone. Life insurance is a helpful hand thanks to which you can be sure your family, children, and spouse are fiLife insurance is meant to make the life of your family members easier in the event you die. When you die, your children, grandchildren, and other members of your family are given a financial payout that helps them move on with life even in your absence.

Types of life insurance

There are many types of life insurance policies that you can go for. The most common are:

Term policy: This is the simplest type of life insurance. The policy pays you only if you die within the term of the policy which is usually between one and 30 years. Two of the most common term insurance policies are: level and decreasing term. The level term means that the benefits that you are meant to get stay the same throughout the duration of the policy while the decreasing term means that the death benefits drop over the duration of the policy.

Permanent: From its name, this policy will pay you regardless of when you die. Even if you die at 100 years, the policy will pay you. Just like with term insurance policy, the permanent policy comes in different categories such as universal life, traditional whole life, and variable universal life. In the traditional whole life policy, the death benefit and premium remains the same throughout the duration of the policy.

The universal policy is similar to the traditional life insurance policy but here you have the added benefit of higher earnings of your savings. With this insurance, you can change the premiums where you can increase, decrease, or even change them to your liking. You can also change the amount that you are insured for.

Variable insurance provides you with fixed premiums and you have the option of investing your money in stocks, bonds, and other money market-based investment options. Here the cash value and death benefits rise and fall depending on how your investment performs.

What you should know about life insurance

Although, life insurance is designed to cushion your family members upon your demise, you don't have to wait until your death for you to benefit from it. With permanent insurance, you can use the amount that you invest for any other purpose that you want. You can use the amount you save to pay for college fees for your children or yourself, fund your wedding, or fund a major home improvement project.

When you are spending the amount, it's good to note that the amount that you remove from the fund is deducted from your savings. This results in a reduction in the benefits that would be transferred to your beneficiaries when you die.

Conclusion

This is what you need to know about life insurance policy. There are many insurance companies where you can get the policy but it's good to note that no two companies are the same. Before you settle on any company take your time to research the company and ensure that it's reputable. You should also carefully consider the payment plans and the benefits that you stand to get.

If looking for life insurance or any other type of insurance you should highly consider visiting us. We have information on the latest life insurance quotes and many other details.nancially secure.

For 14 weeks old female German Shepherd, the situation is all too real. Her owner didn’t want her anymore, and so in a stunning betrayal, the pup was placed at Riverside County Animal Control, where her situation is as dire as any new resident at the facility. Poor puppy, who is trying to keep all hope alive, has broken down emotionally, according to a source at the shelter who wished to remain anonymous for this story.

This poor pup is the cutest baby you will see today! Please SHARE, she may need some help.

Life at the Riverside County Animal Control is unimaginably difficult. The chaos, noise, confusion and share terror of the environment is not suited enough for humans, as it is for dogs. Riverside County Animal Control, a shelter known for its notorious high kill rate gives dogs just a few weeks, and sometimes just days to live, before the unthinkable happens: euthanasia.

I am a female, tricolor German Shepherd Dog.
The shelter staff think I am about 14 weeks old.
I have been at the shelter since Nov 09, 2018.

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Riverside County Animal Control - San Jacinto Valley Animal Campus at (951) 358-7387
581 South Grand Avenue, San Jacinto, CA 92582 California
Ask for information about animal ID number #A1485944

STATUS : - read comment for update from crossposter
If you want to rest easy, you can consider life insurance. This will make sure that your family will have no financial problems in case you die unexpectedly. If you have a family to take care of, this is a very important purchase decision for you. It won't cost you a lot. As a matter of fact, you can save a lot on your life insurance costs provided you follow the tips given below.

1. Get the Right Coverage

First of all, you need to make sure that you will get the right level of coverage. If you go for a too low amount, you won't get enough protection. In the same way, if you go for an unnecessarily high amount, you will bear the extra costs without any additional benefits. If you want to know the best level, you can contact your local agent. Alternatively, you can consider these tips when making this decision.

First, you should look at your debt. What you need to do is ensure that your family is free of debt. This will let them stretch the insurance money a bit more. Your insurance policy should be enough to rid your family of all the secured or unsecured debts. Moreover, the insurance amount should be big enough for your family to pay off your debt and make arrangements of your funeral and burial services.

Aside from this, you should take into account the cost of your kids' education as well. This is very important for the future of your children.

2. Shop Around

With comparison shopping, you can save a lot on your life insurance policy. You can find a lot of providers including the car insurance providers. Each company will offer you a different quote. Therefore, shopping around is a good idea to get the best deal.

Aside from searching Google for different companies, we suggest that you take into account various organizations that you have worked with. Moreover, some organizations offer life insurance to their members only. You can also get coverage through your current job, but such policies are usually smaller. They may not be there to protect you in case you leave that job.

You need to get in touch with your car insurance company as well. Some national companies, such as Farmers, Liberty Mutual and Geico NationWide offer this type of insurance policies.

3. Positive Health Changes

The majority of life insurance providers require that you get a physical exam. This is a requirement before you get approval from the company. The physical exam will be done to know if you do drugs or not. The doctor will check your weight and your medical records in order to make sure that you are in good shape.

If you want to enjoy lower insurance premiums, you can make some positive health changes. Given below are a few things that you can do to achieve this purpose.

Quit smoking: heavy smokers have to pay higher insurance premiums. If you don't smoke, you can live longer. As a result, you will pay lower amounts each month.

Get rid of extra weight: If you are overweight, you should get rid of the extra pounds to enjoy a lower rate of insurance premiums.

So, these are a few tips for you if you want to get a low cost insurance policy.

Have you been looking for some information about life insurance policies for seniors over 80?

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