Expand Your Legacy and Your Heir's Inheritance with Life Settlements

The Cost of Life Insurance Has Drastically Changed

Today, with longer life expectancies and lower death rates, some of the lowest life insurance rates in history have resulted. Seniors are living longer, and insurance rates have adjusted accordingly. This usually means that many current life insurance policies are outdated or inefficient when compared to newly issued policies that provide larger benefits with a lower premium.

Life Settlements are becoming more and more popular for seniors looking to exit or lapse their current coverage for policies that are more practical.

Life settlements transfer ownership, beneficiary, and all future premiums to a third party investor in exchange for a lump sum cash settlement. This way, the cash surrender value of whole and universal life policies function the same as a 1035 exchange. The seller receives a much higher dollar amount for ending the coverage. The most exciting thing about life settlements, is the ability to get a settlement for a term policy that is going to be lapsed or ended. Term insurance, usually thought to be of no cash value, can be sold for a substantial percentage of the face value, instead of lapsing the coverage for a total loss.

People are sometimes hesitant to look into a life settlement because of the impact on their inheritance. People that buy life insurance have other family members or interests in mind, while they struggle with the high cost of a large life insurance policy. The ease of reissued more manageable policies that cover their beneficiaries needs and interests, along with the possibility of getting a large amount for their current policy, is why life settlements have doubled in the last 4 years.

To find out more about how the life settlement process works, and look at your situation, please contact Linda at Freedom First Funding. 877 386 3374.

www.freedomfirstfunding.com

Whiplash Injuries After An Accident

Whiplash -What Symptoms To Look For

After a motor vehicle accident, "whiplash", can be a serious injury that needs
to be treated and managed carefully in order for a full recovery to be made.
Whiplash mainly affects the cervical (neck), thoracic (mid back), spine, and shoulders, and results from the sharp deceleration occuring at impact.

Whiplash injuries do not always do not always appear immediately after the crash. They are often delayed because adrenelin and mental stress caused by the accident, begin to settle in. Some people have immediate pain and must seek emergency medical treatment.

1. If experiencing any pain, always have it checked out at a local emergency room.

2. If you visit your General Practioner, be aware that they may not have enough experience in that area, and are not as well equipped as a hospital. Hospitals have x-ray and MRI scan capabilities, so it is advisable to visit a hospital before a GP .

3. Symptoms should go away within several weeks, but if they don't, always request additional
treatment such as physiotherapy or manipulative (Chiropractic) therapies. Severe cases may require orthopedic help.

4. Don't ignore the injury whatever you do. Seek some type of treatment to resolve the problem, because it can become more severe without treatment.

If the accident was not your fault, you can and should make a claim for personal injury
compensation. You are intitled to free "No Win No Fee" representation by a personal injury attorney. All your legal costs will be covered. Few cases ever reach court, so there is a good chance that a swift and acceptable resolution can be arranged.

A good attorney will make sure you receive:

• Compensation for pain and suffering, and loss of earnings if you have been unable to work.
• Treatments, costs for medications and therapy programs that ensure you receive high quality treatment to assist in your recovery.
• Vehicle related losses, loss of use, rental cars, and vehicle damage.
• Miscellaneous items, and out of pocket expenses.

The most important thing is that you recover from your injuries as quickly and fully as possible. Many advances have been made in whiplash therapy, and the advice is to remain active.

Safety Tips Before and After Auto Accidents

Follow These Tips For Your Own Protection

Owning or riding in automobile will at some point in your life, will most likely cause you to be in an auto accident with another auto or various other objects. Even though you are careful, you cannot depend on what the other driver may do, or how they will react to a situation. Always be prepared to drive safely. These are tips that every driver needs to know.

1. Check all of your tires for the proper amount of air pressure. Don't forget the spare, or "donut tire". If you have a flat, and your spare is flat also, you could be stranded at some point in between your destination, with no help around for miles. In winter weather always be sure to carry traction devices when traveling over the mountains or long distances.

2. Check your brakes, brake fluid and oil, transmission and powersteering too, and every screw and bolt you can find to ensure that your car runs smoothly and safely.

3. Check all the lights to see if they are working properly. Include headlights, taillights, license plate light, and engine lights and gauges.

4. Make sure the radiator has the proper amount of water and coolant mixture in it.

5. Keep a camera, first aid kit, emergency lights and early warning devices in your vehicle. It is good to carry a tool box for repairs that may be needed. A roll of Duct tape can often be very useful as well, along with an extra engine belt.

6. Check your mirrors, and remember to BUCKLE UP! Seat Belts do save lives.

7. Be sure to carry photocopies of your insurance information, vehicle registration, and your driver license.

Even after taking all these precautions and you are still involved in an accident, don't be discouraged. Stay calm and don't panic.

After An Accident

1. Never leave the the accident scene no matter how minor it is. Leaving the scene implies guilt and you could be charged with "Hit & Run" which carries very dangerous penalties. Use your camera to photograph the position of your car in reference to what you collided with, especially if you are not at fault. The picture will prove your innocence. Record all the important aspects of the collision such as skid marks, position of the vehicles before and after the accident, and the distance if possible of the damaged vehicles.

2. If you have not been badly injured, try to help other injured parties. This is where you will need the first aid kit from your car if you can get to it. If you know nothing about first aid, call 911 or get someone to call it for you. When not knowing the right thing to do about certain injuries, the best thing to do is call for help.

3. Call the police. Law officers are better equipped to handle accidents. Your insurance company will also need an accident report that can only be supplied by police officers.

4. Know who you collided with, and get their driver license number, name, address, and insurance information. Give them your information so that claims for damages can be settled in the future. Protect yourself and don't give more information than is necessary. When colliding with an unattended vehicle, your are required to leave your name, address.

5. See a doctor to be checked for possible injuries.

6. Notify your insurance company and work with them during the investigation. This will hasten the investigation and ensure that you get paid for your claims.

7. Arrests are sometimes made at the accident scene, and are often indicators of the party with the most quilt. If arrested, know your rights and obtain legal counsel as soon as possible.

8. Know the amount of damages to which you are entitled to, should you lose your job because of injuries sustained, or suffer the loss of property. Your insurance company is obligated to pay you as well as the party's insurance with whom you had the accident.