Fan Bunker

Me and my wife recently decided to renew our life insurance options and went over our current providers package and compared it to other rates we may be able to get from other companies.

We were shocked at what we found!

Yes, there are many providers for life insurance and many of them have different grades, ratings, and options.. so it is very important to make sure you compare apples to apples when looking at quotes from life insurance companies. There is no sense in ditching a high grade plan that is more expensive, for a plan that is provided from a sub par provider that might not be around next year and runs off with your money.

There is not a simple way to collect this information in general. Most people have to call around, fill out tons of forms, wait for a callback, then compare and take notes on all the plans so they can review them for later and make a choice. That is, until now.

I recently came across lifeinsurancerates.com at http://www.lifeinsurancerates.com/ and I was very impressed with the fact I could fill out 1 set of forms and get quotes from multiple leading life insurance companies. I mean, where was this type of site 10 years ago when I had spent 2 weeks of my time and a whole notebook of paper up?

If you haven’t tried it already, you should really look into it and just see the price difference for some of these companies. I was quoted anywhere from sub $100 a month to several hundred a month for a very low plan that would cover enough for our funeral’s, some debt we built up with our home, and to leave our kids a little bit to help them through as well. It was a real eye opener to see how much different the same plan can cost with different companies.

Being informed is the best way to save money and make sure you are not being taken advantage of when buying life insurance. If you are not careful, you will be paying in a ton of money to a company that might not be around in a few years, or downgrade your coverage because they were not able to handle you investment correctly with your life insurance.

Me and my wife found a really nice plan for both Term and Universal plans and we are going to take out more then one plan to make sure we are protected and can provide for our children in case something happened to us. Nothing is worse then leaving this world and knowing before you pass that your children or spouse will be burdened with debt that they can not handle because you are now gone, unless you leave this world and then your sub-standard life insurance carrier didn’t pay out ( or couldn’t pay out ) as expected because you trusted your money to a company that not only over charged you, but ended up going out of business before a payout could be made.

Have you been using Google Plus One? It seems to be all the rage right now and for pretty good reason too.

I recently decided to try it out since my wife was using it and telling me all the great benefits of it. All she says is how much she just loved to find stuff on the Internet and Pintrest and save it for later, so she started playing with Google Plus One and can now find things while she searches and then share those with her friends and family. I like to think of it as a giant collection of stuff you wanna keep track of, that you can also share with friends, and also see what your friends like.

This is from their site itself:

+1 gets conversations going. Click the +1 button to give something your public stamp of approval. Then, if you want to share right away, add a comment and send it to the right circles on Google+.

The next time your friends and contacts search on Google, they could see your +1. You’ll help them find the best stuff on the web – and you might just start up another conversation!

So what kind of stuff can you put into Plus One? ANYTHING! My wife likes to go in and plus things that interest her, like anything that comes out of Oprah’s mouth, recipes, health articles, scrap booking, and anything related to Aerosmith. She also likes to go over crafts and ornaments and positive sayings that people have said as well. I just wish the recipes she shares were as good tasting as all the other people say they are, just don’t tell her that.

My kids have been using it to share games, tips and tricks for their school studies, their favorite TV shows, and music that they are into at the time. You know, stuff like Rihanna, Jay-Z, Katy Perry, and Ka$ha. I would much rather them spend more time on their school studies though, but they find tons of things that keep them interested which is nice over the weekends or when they really need to find something online and already have it shared and saved.

As for me, I haven’t been sharing too much. I like to keep my interest private, but I like to find and save anything related to keeping up my lawn and landscaping, as well as golf, web development, and grilling food on the BBQ. I found this awesome recipe for BBQ sauce the other day and how to prepare the meat for a festive Hawaiian BBQ and I am going to make sure I try it out next weekend. I also have found a ton of golf tips and trick as well as the perfect mix of grass seed and how to trim up my bushes the right way later in the fall as well. These tips alone will save me a couple hundred dollars that I do not have to pay someone else to teach me. As a matter of fact, I could probably teach other people with what I have found!