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Safeguarding Your Mortgage With A Life Insurance
By Peter
A full life policy, usually known as a whole of life policy, is not needed to cover your mortgage debt when you are buying your own home. A cheaper and more suitable policy to cover your mortgage is a term policy.

No matter how you look at it, buying a home is expensive and especially if you are a first time buyer getting onto the property ladder. It makes a great deal of sense to balance your budget at a time of great financial strain and term is a great deal cheaper than whole of life policies.

Many homebuyers already have an existing life policy that can be used to supplement the cover required to ensure the mortgage can be repaid upon death. It is generally considered to be good advice if you arrange for a separate policy to cover the cost of the entire mortgage debt in addition to any protection that has been set up to ensure sufficient funds available to handle living expenses for your dependants after you have gone.

This need to protect not only day to day living costs and any other incidentals as well as ensuring paying off loans and mortgages is a crucial but often overlooked point in arranging your financial protection. All too often, inadequate financial protection to cover especially a mortgage, results in a home being sold simply because it cannot be run on a viable financial basis given the drop in income that is experienced after the death of a bread winner.

Another feature of term life policies that is peculiar to mortgage cover is the decreasing level of cover that is provided by the policy. As the mortgage is repaid, so the debt decreases and the need for life

Cypress Care Announces the Latest Release of Its Proprietary Online Claims Portal, Sequoia (TM)
Cypress Care announced today the latest release of its proprietary online claims management portal, Sequoia™. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/Sequoia/Cypress_Care/prweb1696284.htm

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Sy Sternberg, CLU, Receives the Round Table of New York's Lifetime Achievement Award
The Round Table of New York announced today that Sy Sternberg, CLU®, Chairman of the Board of the New York Life Insurance Company, received the organization's 2008 Lifetime Achievement Award. Sternberg was honored at a black tie event at the Union League Club of New York on December 1, 2008. Each year the Round Table of New York presents its Lifetime Achievement Award to an individual that has made significant contributions to the insurance and financial services industry. The award recognizes individuals for their accomplishments in the areas of professional ethics, education and industry leadership. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1692264.htm

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Confused.com Welcomes New Travel Partner
Price comparison website's panel expands to 35 brands. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1688534.htm

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New Managing Director for Bupa Australia
Bupa Asia Pacific Managing Director Dean Holden today announced that Mr Richard Bowden had officially taken over as Managing Director of the company. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/insurance/health/prweb1693084.htm

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HBA People Walk the Talk for Better Health in the HBA Great Australian Run
Around 80 HBA, MBF and Mutual Community employees and their family and friends put their feet where their mouths were on Sunday to promote the benefits of exercise and to raise funds for charity in the inaugural HBA Great Australian Run. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/health-insurance/health-cover/prweb1693594.htm

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Better Approach from Banks Will Help Borrowers, Says Burgess
A more constructive approach to repossession from high street banks will make a significant difference as the country begins to look ahead to a very tough 2009. A longstanding commentator on payment protection insurance (PPI), Sara-Ann Burgess, director at specialist firm Burgesses, said she was delighted to see Royal Bank of Scotland (RBS) extend the length of time before it would seek to initiate repossession proceedings against borrowers in arrears. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/payment/protection/prweb1694754.htm

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also declines. This decrease in life cover over time makes such policies even cheaper than non-mortgage policies as the risk to the provider is reduced.

You do need to check to make sure that any decreasing mortgage term assurance policy will always cover any outstanding mortgage throughout the life of the mortgage. You also need to be aware that if you increase the mortgage or alter the term of the loan, that you review your arrangements to make sure they are still going to provide proper financial protection for your loved ones.

Mortgage decreasing term assurance is extremely cheap to buy and arrange. In terms of your overall housing costs, it will be a very small fraction of the monthly mortgage payment, and by a small fraction we are talking of rates starting from pennies a day. Obviously, the older you are, whether you smoke or not, how long the term is and of course, how much cover you require will all determine the total cost of the policy.

Death and dying are clearly not after dinner conversation topics that we look forward to having. Dealing with and ensuring our loved ones benefit from financial protection is a gift of love to your family and dependants more than any other you can provide. Making sure your family can continue to enjoy the home you have worked hard for long after you have gone will help them come to terms with their loss and enhance their own lives immensely by maintaining family unity and stability. Do not let the topic put you off - just get it done and protect your home and your family.

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Read the full story at http://www.emediawire.com/releases/Sequoia/Cypress_Care/prweb1696284.htm

]]>Sy Sternberg, CLU, Receives the Round Table of New York's Lifetime Achievement Award
The Round Table of New York announced today that Sy Sternberg, CLU®, Chairman of the Board of the New York Life Insurance Company, received the organization's 2008 Lifetime Achievement Award. Sternberg was honored at a black tie event at the Union League Club of New York on December 1, 2008. Each year the Round Table of New York presents its Lifetime Achievement Award to an individual that has made significant contributions to the insurance and financial services industry. The award recognizes individuals for their accomplishments in the areas of professional ethics, education and industry leadership. (PRWEB Dec 3, 2008)

Read the full story at http://www.emediawire.com/releases/2008/12/prweb1692264.htm

]]>PPI Better Option than Increasing Debt or Selling Home Says Burgess
Government recommendations that lenders should extend the length of mortgages or accept interest-only payments from borrowers in difficulty serves only to prolong customers' financial crises, says Payment Protection Insurance lobbyist, Sara-Ann Burgess. (PRWEB Dec 3, 2008)

Read the full story at http://www.emediawire.com/releases/payment/protection/prweb1695284.htm

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	Healthcare Insurance Alstate Insurance Rv Insurance Nation Wide Insurance Bharti AXA launches short-term income fund Bharati AXA Investment mangers today launched Bharti AXA Short-Term Income fund that aims to generate income and capital appreciation by investing in a diversified portfolio of debt and money market instruments. Actis to pump in $1 bn in India in 3-4 yrs Expressing confidence in India despite the Mumbai terror attacks, global private equity investor Actis today said it will invest one billion dollar (over Rs 5,000 crore) in the country in the next 3-4 years. US' Broadridge Financial to tap Indian securities market US-based Broadridge Financial Solutions, an outsourcing provider to the global finance industry, is planning to foray into the Indian market soon. India Inc's terror cover may fall short Most boards and managements are unaware of the level of terror risk faced by their companies. Blackstone mulls infrastructure fund - India head Blackstone Group LP's India head said that the firm is considering an infrastructure fund, as the industry and the companies that serve it offer excellent value, particularly in India.LIC Housing plays saviour to fund-hit developers <p>LIC Housing Finance emerges as a reliable source of fund for several cash-starved developers, even as banks tighten credit. <a href="http://economictimes.indiatimes.com/quickiearticleshow/3505743.cms" target="_blank"><b>US crisis & Indian realty</b></a> \| <a href="http://economictimes.indiatimes.com/quickiearticleshow/3576240.cms" target="_blank"><b>Home gadgets</b></a></p>TimesofMoney ties up with Barclays for remittances TimesofMoney has announced a tie-up with Barclays to launch the bank?s remittance service -Barclays Online Money Transfer - for its customers in the UK. Baring sees more PE deals in India after market tumble Baring Private Equity Partners expects more Indian firms to tap private equity as markets and economies deteriorate further, limiting firms ability to raise funds for expansion, a partner at its India unit said. TimesofMoney ties-up with Barclays Bank Leading e-payments and remittance services provider TimesofMoney on Tuesday said it has tied-up with global financial services major Barclays to launch an online money transfer service in the UK.

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