term insurance Essay examples -- essays research papers

Why buy life insurance? Many financial experts consider life insurance to be the cornerstone of sound financial planning. It is generally a cost-effective way to provide for your loved ones after you are gone. It can be an important tool in the following ways: Income replacement For most people, their key economic asset is their ability to earn a living. If you have dependents, then you need to consider what would happen to them if they no longer have your income to rely on. Proceeds from a life insurance policy can help supplement retirement income. This can be especially useful if the benefits of your surviving spouse or domestic partner will be reduced after your death. Pay outstanding debts and long-term obligations Consider life insurance so that your loved ones have the money to offset burial costs, credit card debts and medical expenses not covered by health insurance. In addition, life insurance can be used to pay off the mortgage, supplement retirement savings and help pay college tuition. Estate planning The proceeds of a life insurance policy can be structured to pay estate taxes so that your heirs will not have to liquidate other assets. Term Life Insurance Term life insurance provides a death benefit only if death occurs during the "term" or coverage period of the policy. If you outlive your term or quit paying premiums, your policy lapses and is of no value. Term life insurance plays a vital role in proper financial planning. People who buy term may do so for several reasons such as: Temporary need - They have a temporary need, which lends itself to a temporary solution, i.e., raising children, education, paying off a mortgage, a business buy/sell agreement. Affordability - Term premiums are very affordable. If you're in excellent health, you can get a lot of coverage for very little cost. The Gamble 95% of all term policies go unpaid. In other words, if you took a random sample of 100 people who purchased term insurance, 95 of them would outlive their terms. The insurance companies know this. That is how they can afford to offer a 45 year-old male $250,000 worth of coverage for a 20-year term for only $375 per year. They've crunched the numbers and are willing to bet that you and a whole lot of other people are going to outlive your policies. Because term is inexpensive, there is much less commitment. When you want o... ... investment performance, especially with variable life. Unlike stocks or mutual funds, tracking sub-account and overall investment performance is quite complicated because one must consider all of the charges, which are changing constantly. The following are some guidelines we use to help determine what type of insurance you should buy: You Should Buy Term If You: only need coverage for a specific period of time, - like a house mortgage or until your children are independent. need a lot of coverage and can't afford permanent have low cash flow - if you're living paycheck to paycheck and don't think you can keep up with the permanent payments, triggering surrender charges. have other investments and are committed and self-disciplined to make regular deposits. don't want the commitment required from permanent insurance You Should Buy Permanent Insurance If You: have a high net worth and are seeking a tax-advantaged investment don't want to risk outliving your term and having nothing to show for it understand that permanent insurance is a long-term commitment need insurance for estate planning purposes want forced savings want guaranteed life insurance for life

American Woman

American Woman The struggles America has dealt with have been expressed in the lyrics of popular songs, specifically issues pertaining to government, politics, the period of the Cold War and Vietnam War. Another American issue that has been expressed in popular music is the drug world and its complications, creating a strong and forceful depiction of America. The song titled â€Å"American Woman† has been expressed through many different medium of art. American Woman† has two versions; the first version was made by the Canadian rock band the â€Å"Guess Who†, the second version was made by the American singer and composer Lenny Kravitz. â€Å"American Woman† is a successful song that has caused many controversies over the years; for example, regarding the â€Å"Guess Who† version, it refers to attacks on U. S. politics and government, especially for the Cold War and Vietnam War, while Kravitz’s version expresses his personal take on drug use a nd his personal battle with drug addiction. â€Å"American Woman† is a product of the Vietnam War and its issues.When the vocalist of â€Å"The Guess Who† referred to American woman, he actually referred to The Unites States. Some lyrics of the song reflect the political and government issues of the U. S. For example, â€Å"Don’t come hangin’ around my door, I don’t wanna see your face no more, I got more important things to do, that spend my time growin’ old with you† (L. 18-21). This part of the song is basically saying that Canada has its own troubles that they have to deal with, and they don’t need to get into some wars over opinion with the U.S. The â€Å"Guess Who† version also refers to America’s imperialistic attitude at the time of the Vietnam War. For instance, â€Å"I don’t need your war machine; I don’t need your ghetto scenes† (L. 35-36). This phrase is referring to the nuclear we apons that the U. S. used in Vietnam and the after math of the explosives. During the time of the Cold War and the Vietnam War, America tried to get Canada to adopt nuclear missiles and join in the war. The â€Å"Guess Who† showed in the lyrics of â€Å"American Woman† the rejection of war activities.For example, â€Å"Colored lights can hypnotize, Sparkle someone else’s eyes, now woman, I said stay away, American woman, listen what I say† (L. 37-40). These lyrics basically refer to the explosions of the bombs that occurred in Vietnam, Laos and Cambodia from 1955 to 1975 (Vu Tung). The phrase implies that Canada does not like wars, and it tells the U. S. government to bother someone else. At the time of the Vietnam War, Canada had economic growth, political independence and regime survival in a post-Cold War environment.In the Kravitz’s version of the song â€Å"American Woman† the original political themes of the song were replaced by his p ersonal takes on drug use and his personal battles with drug addiction. When Kravitz mentions American woman as a white girl, he actually refers to the use of cocaine. For instance, â€Å"Huh, American Woman, stay away from me, American woman, mama let me be† (L. 1-2). In this phrase, he is refusing to use drugs, especially, cocaine. Furthermore, he is also saying that drugs don’t let him be the person that he wants to be.In America, the number of drug users increases every year. Drugs are everywhere, especially at parties and night clubs. Kravitz used the lyrics of â€Å"American Woman† to transmit the message of avoiding drugs. For example, â€Å"Colored lights can hypnotized, Sparkle someone else’s eyes† (L. 13-14). This phrase also reflects how the use of drugs can captivate people by making them feel good; however, Kravitz refuses to take drugs, and he wants to stay away from them. In the song â€Å"American Woman† Kravitz shows his per sonal experience using drugs and the negative effects of the illegal substances.For instance, â€Å"Don’t come knocking ‘round my door, I don’t wanna see your shadow no more† (L. 11-12). In these lyrics the singers is referring to his personal experience using drugs. When he mentions shadows, he refers to how painful and hard is the addition of these illegal substances. Kravits throughout the song shows how he fought to quit drugs. In the following lyrics expressed â€Å"I gotta go, I gotta get away, Baby, I gotta go, I wanna fly away† (L. 29-30). Although the drug world at first glance seems amusing, from Kravitz’s experience, he prefers to get away from temptations.In conclusion, â€Å"American Woman† is an extraordinary song that has caused many controversies over the years; for example, regarding the Guess Who’s version, it refers to attacks on U. S politics and government, especially for the Cold War and Vietnam War, while Kravitz’s version referrers to the rejection of the drug world and his personal experience with cocaine. The challenges that America has had over the years, have been subjects for songs, paintings, poetry, films and art in general, especially those themes that are related with the U.S. government, politics, wars and illegal drugs. America will always be the subject of inspiration for artists around the globe because it is a country with a variety of cultures and population issues. Work Cited * The Guess Who. â€Å"American Woman†. Elyrics. net. 200-20013. Web. March 20, 2013. * Kravitz, Lenny. â€Å"American Woman†. Elyrics. net. 200-20013. Web. March 20, 2013. * Vu Tung, Nguyen. â€Å"Vietnam’s Membership of ASEAN: A Constructivist Interpretation†. Military and Government Collection. Vol. 29, Dec 2007. Web. March 20, 2013.

Gulfstream Aerospace - Marketing Plans - 2015 Words

Business to Business Marketing Gulfstream Aerospace Corporation _The flattening of the corporate organization requires key managers and leaders to travel. These executives are giving all their time and the company is enhancing its investment with improved time of travel using business aircraft,-_ Gulfstream Aerospace Corp. In todays business scenario, leadership teams are shrinking. That means fewer people make the business happen. High salaries make executives time cost a major concern - shareholders get mad if the executive gets paid big dollars and he doesnt deliver. The cost of wasted travel time becomes a significant issue. Businesses are penetrating areas where the airlines dont go without taking an extra day to get there.†¦show more content†¦The second most frequent source of business aircraft services is charter flights. Charter is very flexible and can be especially effective in supporting specific purposes. Less connectivity to many emerging markets like eastern Europe renders the commercial flights a highly unlikely mode for the business traveler. Several reputable companies have geared up to meet that need. Global Aviation, based in Singapore, is working closely with China Southern Airways to provide access to 80 destinations within the Peoples Republic of China. In 1996, Jet Avia tion opened full-service facilities in Singapore. Dassault Falcon Jet is also involved in Hong Kong-based charter services that support Pacific rim business travelers. The other main concern about using charter services is the cost. Charter services are usually more expensive than the airlines or the use of comparable business aircraft for a specific trip. However, they are a lot less expensive than owning an aircraft for a hundred hours or so of use per year. The third business aircraft access option is the fastest-growing segment of business aviation: fractional aircraft ownership. Fractional share ownership is what its name implies: You can buy as little as an eighth of an aircraft, with an allocation of 100 passenger hours of use. The costs include the initial capital investment, monthly fixed charges and per-flight-hour charges. In view of the above stated needs of the consumer, the Gulfstream Aerospace plans toShow MoreRelatedDespite Lower Costs (Or Even Free), External Support Mechanisms,2649 Words   |  11 Pagessignificant shortcomings for Gulfstream enterprise integration. Gulfstream zealously protects its intellectual property. Information security levels risk compromising when interdependency occurs between firms (Cezar, Cavusoglu, Raghunathan, 2016). This results not only due to increased security threats through the additive exposure, but also because one partner may take a free ride and invest less in the security protection. 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