Posted on Mon, Sep 27, 2010
In th
e nineteenth century, elaborate engravings, called
vignettes, were created for U.S. financial notes, insurance policies and securities. The variety and intricacy of the vignette subjects exploded with some of the most elaborate designs ever seen on legal tender. The works of art then disappeared after U.S. Government paper currency was introduced in 1861.
The images below come from the British Museum Prints Database. The image of the winged wand with snakes, known as Caduceus, is often associated with medicine but was the symbol of merchants and trade.
At Efinancial, we create insurance coverage that is a work of art, creativity and excellence. For the state-of-the-art in better insurance rates and terms, ask us for free rate quote.
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Posted on Fri, Sep 24, 2010
T
he director of
Wall Street: Money Never Sleeps, the sequel to the story of financier Gordon Gekko and his “Greed is Good” philosophy, is a lot less flashy than the corporate marauders portrayed in his movies.
Oliver Stone, 64, who directed both Wall Street motion pictures, said that people should avoid “flashy” financial advisers.
Stone commented that he has been with the same broker for 25 years and that these days everyone’s bombarded with advice on what to do with their money.
The Academy Awards winning director also revealed that during the course of filming the follow-up to Wall Street he rebalanced his portfolio to be more conservative and also got more aggressive in Asia and Europe.
“I’m still in the dollar,” the New York Post quoted him as quickly emphasizing.
For a sensible financial solution to shopping for the best life insurance premiums, Efinancial gives you so many choices, you’ll feel like you’re talking to a friend of the family.
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Posted on Tue, Sep 21, 2010
Jean Chatzky, the award-winning journalist, author and f
inancial e
d
itor for
NBC’s “Today” has some timely advice for consumers: “If you’ve been putting off purchasing a ter
m life policy, now’s the time to buy!”
Chatzky’s reporting found that in 1994, the lowest rate in the country for a 40-year-old male who wanted a $500,000, 20-year-level term policy was about $995 a year. Today, that same 40-year-old, in perfect health, could buy the same policy for well under $400 a year. A dramatic difference!
Experts surmise that the market has settled and that premiums are more likely to rise at this point then they are to continue to fall, particularly if interest rates stay low.
When the question is where to buy, Chatzky has a definite opinion there too! “Your best bet is the Internet, where you can search for and compare policies,” says Jean.
Should you buy a 10, 20 or 30 year policy? Chatzky writes, “If your kids are teenagers, and you just want coverage until they graduate, you’re probably fine with 10 years. If they’re younger, or your spouse is dependent on your income as well, you want a 20- or even 30-year policy. If you truly want coverage until you die — and not just in case of an early or sudden death — then you probably want a permanent policy. But keep in mind that the premiums can be more expensive.
The right time? Right now. The right place? Let Efinancial’s Life Insurance Rate Finder generate a free term life insurance rate quote for your family.
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Posted on Tue, Sep 14, 2010
Would you feel more satisfied with a decision to go with
Permanent Life Insurance, such as a Whole Life policy, compared to the more widespread
Term Life coverage?
A recent poll asked a cross-section of Americans that very question. The results? A 5-point difference in the findings was shown between those who feel “extremely” or “very” comfortable with their permanent life insurance coverage (49 percent) and those who feel the same way about their term life insurance coverage (44 percent). Consumer satisfaction levels were highest for whole life (60 percent), followed by term (55 percent), universal life (53 percent) and variable life (50 percent).
Term life insurance remains the go-to product for many consumers, being owned by 45 percent of middle-class families. But people who own term life policies have felt less comfortable with their coverage than those who own whole life and other permanent products. After years of following the conventional wisdom to ‘buy term and invest the difference, observers say that consumers are now seeing how a market downturn can threaten a seemingly sound financial strategy.
a 5-point gap between those who feel “extremely” or “very” comfortable with their permanent life insurance coverage (49 percent) and those who feel the same way about their term life insurance coverage (44 percent). Also, consumer satisfaction levels are highest for whole life (60 percent), followed by term (55 percent), universal life (53 percent) and variable life (50 percent).
Regardless of product type, Americans clearly recognize the value of maintaining life insurance in this recessionary environment. Just four percent of Americans report making changes to their personal life insurance coverage as a result of the economy.
For a free life insurance quote comparing several companies, products and options, Efinancial is dedicated to giving insurance shopping consumers a choice! A satisfied insurance holder is a our very best spokesperon!
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Posted on Fri, Sep 10, 2010
Can marriage insurance cure society’s ills? Divorce is an epidemic that can destabilize families, cut off financial support to dependent spouses and children, and often seem like the “easy way out” for couples who shirk the time and effort a marriage requires to work things out.
The aptly named WedLock is a new form of casualty insurance that has an engaging offer for newlyweds for after the honeymoon is over. For around $16 per month for every $1,250 worth of coverage, couples can build a just-in-case, exit agreement into their marriage.
The longer the marriage lasts the more value the policy accumulates. After 10 years, a departing couple who has accumulated 10 units and paid in $19,188 would receive a payout of about $27,500. That’s almost enough to cover a divorce lawyer’s fees. To avoid a financial incentive to get divorced at the drop of a hat, policyholders must ante up for at least four years before the policy will pay out.
There is a healthier alternative, of course. Learn how to find happiness in your own marriage by taking The High Road…in Life, Love and Divorce, a new anti Divorce book comes with a Social Marriage v. Divorce Facebook app you can try on like a shoe to find a better fit.
But if it takes building an insurance policy together to build a happy marriage, so be it. Whatever works!
To get a
Term Life Insurance Quote or Research how to
Buy Life Insurance Online visit
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Posted on Tue, Sep 07, 2010
September 11 is a day that will live in infamy, like December 7, 1941 when the United States was suddenly and deliberately draw into what became the Second World War. Unlike the destruction caused at Pearl Harbor, the devastation of the World Trade Center in 2001 led to the largest single insurance settlement ever undertaken, the payout of $4.55 billion. One cannot put a price on the loss of life or the long term economic consequences of that day in history, but the milestone was historic for the insurance industry.
A study released by the RAND Corporation shows that victims of the Sept. 11, 2001 terrorist attacks — both individuals killed or seriously injured and individuals and businesses impacted by the strikes — have received at least $38.1 billion in compensation, with insurance companies and the federal government providing more than 90 percent of the payments.
The payout for the World Trade Center Towers themselves was shared between developer Larry Silverstein and the Port Authority of New York as part of a settlement agreement that give the PA control over the future Freedom Tower. The developer built three other buildings along nearby streets. The real estate beneficiary was grateful for the record-setting insurance award and said about the payout, “I say from the bottom of my heart, a very, very deep thank you.”
Efinancial remembers the victims and the responders who perished on 9-11-2001 and extends our deepest sympathies on this anniversary to their families.To get a
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Posted on Fri, Sep 03, 2010
In your search for low cost health insurance plans, you may find offers for hospital indemnity policies. Hospital indemnity plans pay a benefit for each day you spend in the hospital. This type of plan may cover you for any reason you're hospitalized, including intensive care stays. Some may also provide for care while you're in a skilled-nursing or rehabilitative facility. The particulars of plan coverage and rates vary.
Though you may find low cost options for hospital indemnity health insurance plans, be sure to pay close attention to what your benefits will actually cover. Many plans do not provide adequate benefits for covering the average cost of a day spent in the hospital. If you want to avoid spending a significant sum out-of-pocket, you may want to consider a different option.
Learn More about Low Cost Health Insurance Plans
You may also find dread disease policies. These health insurance policies are intended to cover costs resulting from a catastrophic illness, such as a heart attack, stroke, or cancer. As with other types of health insurance, coverage and benefit amounts vary. Be sure to look into maximum time limits for coverage. Keep in mind, however, that most individual and group health insurance plans include coverage for dread diseases. As such, buying a dread policy is often unnecessary.
Get quotes for low cost health insurance from Efinancial Health Insurance Services. Efinancial is a leading provider of low cost health insurance quotes. Find affordable medical insurance now.
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Term Life Insurance Quote or Research how to
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