Average Height And Weight For A 4 Month Old Baby Twelve Secrets and Tricks to Buying Life Insurance

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Twelve Secrets and Tricks to Buying Life Insurance

Tsis pub twg paub #1: Tsis txhob siv sijhawm ntau dhau ntawm daim ntawv pov hwm lub neej.

Tsis txhob dag los ntawm tus nqi qis uas koj tau txais online – lawv tsis siv rau koj tshwj tsis yog tias koj noj qab nyob zoo. Raws li kev txheeb cais tsuas yog 10% ntawm cov neeg uas ua ntawv thov tiag tiag tau txais tus nqi qis tshaj txoj cai. Tus nqi koj them tas li tsis muaj dab tsi cuam tshuam nrog thawj qhov kev tsocai koj tau txais online lossis los ntawm tus neeg sawv cev. Nws yog amazing rau kuv ntau npaum li cas kuv pom cov neeg tau duped los ntawm tus neeg sawv cev uas quotes tuam txhab X ntawm tus nqi qis dua lwm tus neeg sawv cev.

Txoj cai tuav pov hwm lub neej yog tus nqi tib yam txawm koj yuav los ntawm leej twg! Ib tus neeg sawv cev lossis lub vev xaib hais txog tus nqi qis dua txhais tau tias tsis muaj dab tsi. Tus nqi rau txhua txoj cai yog nyob ntawm koj lub hnub nyoog thiab kev noj qab haus huv. Muaj qee qhov kev zam rau qhov no tab sis qhov ntawd dhau qhov dav ntawm kab lus no.

Feem ntau cov tuam txhab tuav pov hwm lub neej muaj 10-20 qhov sib txawv ntawm kev noj qab haus huv / nqi thiab tsis muaj tus neeg sawv cev lossis lub vev xaib tuaj yeem lees paub koj cov lus tsocai uas lawv muab rau koj yog qhov tseeb. Koj yuav tsum ua ntawv thov, kuaj xyuas kev noj qab haus huv, thiab tom qab ntawd mus dhau kev sau ntawv (txhais tau tias koj ua tiav qhov kev xeem me me nrog tus kws saib xyuas neeg mob hauv koj lub tsev thiab tom qab ntawd lub tuam txhab tshuaj xyuas koj cov ntaub ntawv kws kho mob thiab tshuaj xyuas thiab ‘tus nqi’ koj qhov kev noj qab haus huv) kom tau txais qhov tseeb. tus nqi ntawm txoj cai. Nco ntsoov tias kev ntsuas kev noj qab haus huv kuj tseem ceeb hauv koj tsev neeg keeb kwm, cov ntaub ntawv tsav tsheb, thiab hom haujlwm koj muaj. Tsuas yog siv cov quotes los pab txo qis koj cov kev xaiv rau cov tuam txhab saum toj kawg nkaus. Tej zaum koj yuav xav xav txog qhov tsis muaj kev thauj khoom lossis txoj cai qis. Qhov ntau koj txuag ntawm cov nyiaj tau los ntau cov nyiaj tsim hauv koj txoj cai. Koj tseem tuaj yeem yuav cov ntawv pov hwm lub sijhawm tsis muaj kev thauj khoom, thiab txuag nyiaj ntau heev. Koj yuav tsis tau txais kev pab los ntawm tus neeg sawv cev, uas tej zaum yuav tsim nyog ib yam dab tsi yog tias lawv zoo heev.

Qhov tseem ceeb tshaj plaws uas txiav txim siab tus nqi yog txuam nrog koj cov keeb kwm kev noj qab haus huv tshwj xeeb nrog lub tuam txhab zoo tshaj plaws rau lub niche ntawd. Piv txwv li, tuam txhab X yuav zoo tshaj rau cov neeg haus luam yeeb, tuam txhab Y rau cov neeg muaj mob qog noj ntshav, Lub Tuam Txhab Z rau cov neeg muaj ntshav siab, thiab lwm yam.

Tsis pub twg paub #2: Tsis quav ntsej qhov hype ntawm lub sij hawm piv rau cov nyiaj ntsuab tus nqi pov hwm mus tas li.

Koj tuaj yeem mus vwm nyeem dab tsi txhua leej txhua tus tau hais ntawm kev yuav cov ntawv pov hwm lub neej piv rau tag nrho lossis universal life policy. Lub npe loj lub vev xaib muab cov lus qhia uas kuv xav tias ciam teb ntawm kev dag ntxias. Cias muab tsis muaj lus teb yooj yim ntawm seb koj puas yuav tsum yuav cov cai muaj nuj nqis ruaj khov lossis nyiaj pov hwm lub sijhawm.

Tab sis kuv xav tias muaj ib txoj cai yooj yim ntawm tus ntiv tes xoo – yuav lub sij hawm rau koj qhov kev xav tau kev pov hwm ib ntus thiab nyiaj pov hwm tus nqi rau koj cov kev xav tau tas mus li. Kuv tau nyeem nyob rau hauv ntau cov phau ntawv journal thiab khiav cov lej sib npaug kuv tus kheej uas qhia tau hais tias yog tias koj xav tau kev pov hwm tshaj 20 xyoo uas koj yuav tsum xav txog qee qhov nyiaj pov hwm mus tas li. Qhov no yog vim qhov txiaj ntsig se ntawm kev loj hlob ntawm tus nqi nyiaj ntsuab nyob rau hauv txoj cai ruaj khov. Kuv nrauj thiab tau tu kuv cov menyuam yog kuv tuag. Tej zaum kuv tsis xav tau kev pov hwm ntau npaum li kuv tam sim no muaj. Kuv tau txais txiaj ntsig zoo ntawm kuv cov cai thiab tsis tau them se. Kuv tsis them cov nqi them, vim tias muaj nyiaj ntau heev hauv cov cai. Kuv cia cov cai them lawv tus kheej. Kuv yuav tsis hu feem ntau kev pov hwm lub neej yog kev nqis peev zoo. Vim tias kuv yuav kuv cov cai kom raug, thiab them nyiaj yuav luag tsis muaj kev muag khoom kuv cov cai yog tej zaum kuv qhov kev nqis peev zoo tshaj plaws. Kuv tsis muaj lawv lawm, yog li thaum kuv tuag kuv cov neeg tau txais txiaj ntsig yuav tau txais nyiaj se dawb, thiab se vaj tse dawb.

Txij li thaum tib neeg feem ntau muaj cov kev xav tau luv luv xws li qiv nyiaj lossis cov menyuam yaus hauv tsev lawv yuav tsum tau txais qee lub sijhawm. Tsis tas li ntawd, tib neeg feem ntau xav tau qee qhov kev pov hwm lub neej nyob rau hauv qhov chaw rau tag nrho lawv lub neej los them rau kev faus neeg, pab nrog cov nqi kho mob tsis them nyiaj thiab se vaj tse thiab yog li yuav tsum tau yuav txoj cai ruaj khov nrog rau lub sij hawm txoj cai.

Tsis pub twg paub #3: Xav txog kev thov nrog ob lub tuam txhab ib zaug.

Cov tuam txhab pov hwm lub neej yeej tsis nyiam qhov “trick” vim tias nws muab lawv cov kev sib tw thiab ua rau lawv cov nqi qis dua.

Tsis pub twg paub #4: Tsis txhob raug ntes cov neeg tuav pov hwm lub neej.

Nrhiav ib tus neeg saib xyuas kev tuav pov hwm lub neej uas sawv cev tsawg kawg tsib caug lub tuam txhab pov hwm lub neej thiab nug lawv rau ntau lub tuam txhab tsocai uas qhia tus nqi zoo tshaj ib sab. Qee tus neeg sim txiav tus neeg sawv cev tawm thiab tsuas yog thov online. Tsuas yog nco ntsoov tias koj tsis txuag nyiaj li ntawd vim tias cov nyiaj tau los ib txwm tau los ntawm tus neeg sawv cev tsuas yog khaws cia los ntawm lub tuam txhab pov hwm lossis lub tuam txhab tuav pov hwm lub vev xaib yam tsis muaj koj tus nqi qis.

Ntxiv rau tus neeg sawv cev zoo tuaj yeem pab koj tswj hwm los ntawm qee qhov nyuaj ntawm kev sau daim ntawv thov, teeb tsa koj cov neeg tau txais txiaj ntsig, zam kev ua yuam kev ntawm kev xaiv leej twg yuav tsum yog tus tswv, txoj hauv kev zoo tshaj los them koj cov nqi, thiab tseem yuav nyob ntawd kom xa cov tshawb xyuas thiab pab cov neeg koj hlub yog tias daim ntawv pov hwm lub neej puas tau siv.

Tsis pub twg paub #5: Xav txog kev them nyiaj rov qab txoj cai lub neej qub.

Feem ntau cov tuam txhab yuav tsis qhia koj tab sis tus nqi koj them rau koj cov kev cai qub tej zaum yuav poob qis yog tias koj noj qab nyob zoo. Hauv ob peb xyoos dhau los, cov tuam txhab pov hwm lub neej tau hloov kho lawv cov kev kwv yees ntawm cov neeg yuav nyob ntev npaum li cas. Txij li thaum peb nyob ntev lawv tau txo lawv cov nqi ntau heev. Ua tib zoo saib tus neeg sawv cev yuav ua qhov no kom tau txais lub luag haujlwm tshiab, yog li xyuas kom nws ua tau tiag tiag.

Kuv yeej xav tsis thoob thaum peb pom tias peb cov neeg siv khoom qub txoj cai yog ob zaug kim dua li qhov tshiab. Yog tias koj xav tau kev tuav pov hwm lub neej tshiab xav txog “refinancing” koj cov cai qub thiab siv cov nyiaj khaws tseg ntawm cov cai qub los them rau txoj cai tshiab – txoj kev ntawd tsis muaj nqi ntxiv hauv hnab tshos. Peb nyiam xav txog cov txheej txheem no li “refinancing your life insurance” – ib yam li koj refinance koj cov nqi tsev.

Tsis pub twg paub #6: Paub txog cov tuam txhab pov hwm lub neej muaj lub hom phiaj niches uas hloov tas li.

Muaj ib hnub lub tuam txhab ‘X’ tau muab cov nqi zoo rau cov neeg uas hnyav me ntsis thiab lub hli tom ntej lawv nruj heev. Lub tuam txhab ‘Y’ tej zaum yuav ua rau cov neeg mob ntshav qab zib tsis txaus vim lawv tsis muaj ntau cov ntshav qab zib hauv phau ntawv – txhais tau tias lawv yuav muab cov txiaj ntsig zoo rau cov ntshav qab zib. Nyob rau tib lub sijhawm, lub tuam txhab ‘W’ yuav nruj heev rau cov neeg mob ntshav qab zib vim tias lawv tau pov hwm ntau tus neeg mob ntshav qab zib thiab ntshai tias lawv muaj kev pheej hmoo loj dhau ntawm thaj chaw ntawd – txhais tau tias lawv yuav muab tus nqi phem rau cov neeg mob ntshav qab zib tshiab uas thov.

Hmoov tsis zoo thaum koj tab tom thov lub tuam txhab pov hwm lub neej yuav tsis qhia rau koj, “Hav, peb nyuam qhuav tsa peb cov nqi hauv cov neeg mob ntshav qab zib.” Lawv yuav zoo siab nqa koj cov nyiaj yog tias koj tsis ntse txaus mus kav khw. Qhov no yog qhov thib ib cheeb tsam uas tus neeg sawv cev ntse tuaj yeem ua ke. Txij li thaum tus neeg sawv cev zoo ntawm ntau lub tuam txhab ua haujlwm tas li ua ntawv thov nrog ntau lub tuam txhab nws yuav muaj kev tswj xyuas zoo rau leej twg tam sim no yog qhov yooj yim tshaj plaws ntawm kev sau nyiaj txiag rau koj qhov xwm txheej tshwj xeeb. Qhov teeb meem yog tias qhov no yog ib qho nyuaj ua hauj lwm thiab ntau tus neeg ua hauj lwm yog tibneeg hu tauj coob los yog tsis teeb tsa kom zoo khw nyob ib ncig ntawm ncaj qha rau txawv underwriters thiab pom leej twg yuav ua rau koj qhov zoo tshaj plaws kev. Qhov no yog ib qho nyuaj tshaj li tsuas yog khiav koj ib nqe lus hauv online.

Tsis pub twg paub #7: Tsis txhob hnov ​​​​qab cov neeg siv khoom.

Feem ntau cov neeg yuav khoom rau kev tuav pov hwm tsom mus rau cov tuam txhab nrog tus nqi qis tshaj thiab qhov ntsuas nyiaj txiag zoo tshaj plaws. Hmoov tsis zoo kuv paub txog qee lub tuam txhab A + rated nrog tus nqi qis uas kuv yuav tsis kov nrog kaum tus ncej tsuas yog vim nws yooj yim dua rau yug me nyuam porcupine rov qab ces nws yog kom tau txais kev pabcuam los ntawm lawv.

Ua ntej kuv nkag siab qhov no kuv tau siv lub tuam txhab pov hwm lub neej uas muab tus neeg siv khoom zoo tab sis 2 xyoos tom qab tus neeg siv khoom hu rau kuv thiab hais tias, “Kuv tau xa tag nrho kuv cov nyiaj them raws sijhawm tab sis tsuas yog tau txais tsab ntawv ceeb toom hais tias kuv txoj cai lapsed.” Nws muab tawm tias lub tuam txhab tau ua ntau qhov yuam kev rov qab thiab tau poob cov nqi them nqi!

Peb kho tau nws vim peb ntes tau qhov teeb meem thaum ntxov. Tab sis yog tias tus neeg siv khoom tau tuag rau lub sijhawm luv luv txoj cai tau dhau mus, nws tsev neeg yuav muaj kev nyuaj siab tias tus nqi them tau them raws sijhawm thiab lawv yuav tsis tau txais nyiaj pov hwm lub neej – poob ntau pua. txhiab daus las hauv qhov xwm txheej ntawd.

Tsis pub twg paub #8: Thov 3-6 lub hlis ua ntej koj xav tau kev pov hwm yog tias ua tau.

Tsis txhob maj nrawm kom tau txais txoj cai yog tias koj twb muaj qee qhov kev pab them nqi zog. Tab sis mus tom ntej thiab thov tam sim ntawd paub tias koj yuav xav tau ntau lub hlis mus kav khw yog tias thawj lub tuam txhab tsis muab tus nqi zoo rau koj. Txawm hais tias kev lag luam pov hwm lub neej tau txais kev siv ntau dua koj daim ntawv thov tseem yuav muaj ntau lub lis piam lossis ntau lub hlis thaum lub tuam txhab pov hwm tos koj tus kws kho mob lub chaw ua haujlwm xa lawv daim ntawv luam ntawm koj cov ntaub ntawv kho mob.

Yog tias koj maj nrawm thiab yuav txoj cai nrawm ‘tsis muaj ntawv pov hwm’ yam tsis tau mus txog tag nrho cov kev kuaj mob thiab sau ntawv pov thawj uas lub tuam txhab pov hwm lub neej tseem ceeb xav tau, koj yuav xaus them 20%-50% ntxiv vim tias lub tuam txhab pov hwm yuav txiav txim siab. them koj tus nqi siab dua vim lawv tsis paub tias koj puas noj qab nyob zoo lossis yuav tuag rau hnub tom qab.

Secret #9: Tsis txhob yuav nyiaj pov hwm lub neej ntxiv los ntawm kev ua haujlwm yog tias koj noj qab nyob zoo.

Kuv paub tseeb tias muaj kev zam rau qhov “trick” tab sis kuv tsis tshua pom ib qho. Los ntawm tag nrho cov txhais tau tias khaws cov nyiaj pov hwm lub neej dawb uas koj tus tswv ntiav muab. Tab sis yog tias koj noj qab haus huv thiab koj tau them nyiaj pov hwm lub neej ntxiv los ntawm kev txiav nyiaj them poob haujlwm koj yuav luag them ntau dhau. Qhov tshwm sim yog tias koj ‘cov nyiaj them tshaj’ xaus rau kev pab nyiaj rau cov neeg tsis noj qab haus huv hauv koj lub tuam txhab uas tab tom yuav nyiaj pov hwm lub neej los ntawm kev txiav nyiaj them poob haujlwm.

Feem ntau lub tuam txhab pov hwm lub neej tau txiav txim siab nrog koj tus tswv ntiav haujlwm thiab yuav zam qhov kev kuaj mob uas xav tau rau txhua tus neeg ua haujlwm – hloov lawv tsuas yog nruab nrab tus nqi rau tag nrho cov neeg ua haujlwm thiab muab ib lossis ob tus nqi rau cov txiv neej lossis poj niam thaum muaj hnub nyoog li cas. Cov tuam txhab tuav pov hwm lub neej paub tias lawv yuav tuaj tos ntau tus neeg tsis noj qab haus huv li no kom lawv them tus nqi rau txhua tus kom cov neeg noj qab haus huv tau them nyiaj ntau dhau kom cov neeg ua haujlwm tsis noj qab haus huv tau txais txoj cai pheej yig dua. Tsis tas li ntawd, tsis zoo li cov cai uas tau lees paub uas peb pom zoo, feem ntau cov ntawv pov hwm lub neej uas koj yuav los ntawm kev ua haujlwm yuav tau kim dua thaum koj laus dua.

Tsis tas li ntawd, pab pawg neeg pov hwm lub neej feem ntau tsis tuaj yeem nqa tau thaum koj so haujlwm lossis hloov haujlwm txhais tau hais tias thaum koj so haujlwm lossis hloov haujlwm koj yuav tau rov qab thov dua txawm tias koj yuav laus dua thiab tej zaum yuav tsis noj qab haus huv thiab pheej hmoo raug muab rau txoj cai. Yog tias pawg phiaj xwm tso cai rau kev txav mus los lawv feem ntau txwv koj txoj kev hloov pauv thiab yuam koj mus rau hauv cov phiaj xwm nyiaj txiag kim.

Kuv nco ntsoov pab ib tug neeg soj ntsuam nws cov nyiaj tuav pov hwm lub neej ntxiv. Nws paub tseeb tias nws yog qhov zoo dua li txoj cai uas kuv nrhiav tau nws. Nws puas paub me ntsis tias tus nqi ntawm nws pawg phiaj xwm yuav nce txhua xyoo? Thaum lub sijhawm nws so haujlwm nws tus nqi yuav tau nce mus txog $ 10,000 / xyoo. Kuv pom nws ib txoj cai nyob ib ncig ntawm $1000/xyoo uas yuav tsis nce mus. Tsis tas li ntawd, tsis zoo li nws txoj cai qub qub, nws tuaj yeem coj tus kheej txoj cai nrog nws thaum nws hloov haujlwm lossis so haujlwm.

Tsis pub twg paub #10: Ua daim ntawv thov mus sib hais raws li kev them nyiaj COD.

Tsuas xa nyiaj nrog daim ntawv thov yog tias koj xav tau kev pov hwm lub neej tam sim ntawd. Xa daim tshev nrog daim ntawv thov yog cov neeg ua haujlwm ib txwm siv los ua – Kuv xav tias feem ntau vim nws tau txais lawv cov nyiaj tau los sai dua. Yog tias koj xa nyiaj nrog daim ntawv thov koj feem ntau tau txais kev pab them nqi ib ntus tam sim ntawd tab sis yog tias koj twb muaj ntau qhov kev pab them nqi thiab tsuas yog sim kom tau txais tus nqi zoo dua thov koj tus neeg sawv cev ua daim ntawv thov kev sim ntawm COD yog li koj tsuas yog them thaum txoj cai pom zoo. . Yog tias koj tsis xa nyiaj, thiab koj tuag ua ntej them rau txoj cai tsis muaj kev pab them nqi.

Tsis pub twg paub #11: Hnav koj nkawm khau thaum tus kws saib xyuas neeg mob ntsuas koj qhov siab.

Thaum lub tuam txhab tuav pov hwm xa tawm tus kws saib xyuas neeg mob los ua koj qhov kev kuaj mob sim ua kom siab npaum li qhov ua tau yog tias koj rog dhau? Hauv ntau lub xeev koj raug tso cai hnav khau thiab yog tias koj hnyav me ntsis koj qhov siab / qhov hnyav piv yuav zoo dua me ntsis rau tus neeg sau ntawv uas txiav txim siab koj qhov kev ntsuas kev noj qab haus huv thiab tus nqi cai. Kuj ua koj qhov kev ntsuam xyuas thaum sawv ntxov tsis muaj zaub mov hauv koj – qhov no yuav ua rau koj cov roj (cholesterol) suav thiab ntau yam kev noj qab haus huv zoo tshaj plaws.

Tsis pub twg paub #12: Ceev faj nrog cov perks ntxiv thiab cov neeg caij tsheb.

Feem ntau cov kev cai los nrog cov kev xaiv xws li cov txiaj ntsig kev tuag tsis zoo, cov menyuam yaus caij tsheb, cov neeg caij tsheb tsis taus, rov qab los ntawm tus nqi them thiab lwm yam. Yog tias koj ua lej ntawm feem ntau ntawm cov “ntxiv” no lawv feem ntau tsis ua kom paub txog nyiaj txiag ntse. Cov tuam txhab pov hwm lub neej tau tawm mus kom tau nyiaj thiab cov neeg caij tsheb no feem ntau tau txais txiaj ntsig vim tias lawv tau them qee yam uas tsis tshua muaj tshwm sim los yog lawv nruj heev uas cov txiaj ntsig tsis tau them tawm. Khaws tej yam yooj yim thiab tsom ntsoov rau qhov tau txais txoj cai ntawm lub neej los npog koj lub neej yam tsis muaj ntau txoj hlua txuas. Ib zaug ntxiv, tus neeg sawv cev zoo tuaj yeem pab koj ntsuas cov txiaj ntsig ntawm cov neeg caij tsheb ntxiv. Tab sis ceev faj txog tus neeg sawv cev uas sim tack rau txhua tus neeg caij tsheb ntxiv.

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