Life Insurance

Life Insurance...Facts You Should Know!

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.

As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.

The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.

To be a life policy the insured event must be based upon the lives of the people named in the policy.

Insured events that may be covered include:

    * Serious illness

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.

Life-based contracts tend to fall into two major categories:

    * Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.
    * Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US anyway) are whole life, universal life and variable life policies.


Prudential Financial, Inc.

(NYSE: PRU) is a Fortune Global 500 and Fortune 500 company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 30 other countries. Principal products and services provided include life insurance, annuities, mutual funds, pension- and retirement-related investments, administration and asset management, securities brokerage services, and commercial and residential real estate in many states of the U.S.

It provides these products and services to individual and institutional customers through distribution networks in the financial services industry. In 1981, the company acquired Bache & Co., a stock brokerage service now operating as a wholly owned subsidiary. Prudential has operations in the United States, Asia, Europe and Latin America and has organized its principal operations into the Financial Services Businesses and the Closed Block Business.

Prudential is composed of hundreds of subsidiaries and holds more than $2 trillion of life insurance. Its logo is the Rock of Gibraltar.

Started in Newark, New Jersey in 1875, Prudential Financial, Inc. as it is known today, was originally called the "The Widows and Orphans Friendly Society" and was founded by John F. Dryden, who later became a U.S. Senator. It sold one product in the beginning, burial insurance. John F. Dryden was president of Prudential until 1912. He was succeeded by his son Forrest F. Dryden, who was the president until 1922.

Prudential has evolved from a mutual insurance company (owned by its policyholders) to a joint stock company. It is now traded on the New York Stock Exchange under the symbol PRU. The Prudential Stock was issued and started trading on the New York Stock Exchange on December 13, 2001. On October 16, 2007 the Fox Business Channel picked Prudential as part of its Fox50 Index.

In 1999, Prudential sold its healthcare division, Prudential HealthCare, to Aetna for $1 billion.

On May 1, 2003, Prudential formalized the acquisition of American Skandia, the largest distributor of variable annuities through independent financial professionals in the United States. The combination of American Skandia variable annuities and Prudential fixed annuities was part of Prudential's strategy to acquire complementary businesses that help meet retirement goals.

In April 2004, the company acquired the retirement business of CIGNA Corporation.

On August 1, 2004, the U.S. Office of Homeland Security announced the discovery of terrorist threats against the Prudential Financial headquarters in Newark, New Jersey, prompting large-scale security measures such as concrete barriers and internal security changes such as X-ray machines.

On August 28, 2006, federal and state securities regulators and the Department of Justice announced parallel settlements and a total of $600 million in monetary sanctions against Prudential Securities, Inc. (now known as Prudential Equity Group ) for misconduct relating to improper market timing.

On November 28, 2007, Prudential Financial board of directors elected a new CEO

"The board of directors of Prudential Financial Inc. has elected a new chief executive officer. Vice chairman John R. Strangfeld will take the reins of the Newark-based insurance and financial services company on Jan. 1. Strangfeld, 53, currently runs all of Prudential's U.S. businesses. He succeeds Arthur F. Ryan, who is retiring as CEO at the end of 2007. Strangfeld also will become chairman after Ryan retires from that job in May 2008."

Before You Purchase Life Insurance...CLICK HERE!

Money Talks

Money Talks


Money Talks and...


You know the rest of that tune, right? All the financial advisers in the world are trying to get you to spend your money, save your money, while all the while, they secretly are trying GET your money!

Money Talks is a straight shooting newsletter that will tell you the real truth about finances, the financial institutions, and how your money is being sucked from your account, without you even knowing it!

Money Talks will tell you the truth, even if it hurts! Money Talks breaks the mold on financial planning, and financial planning, that will empower you with the ability to actually recover lost wealth!

Signup for the Money Talks Newsletter HERE...
   

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Prudential

Prudential Financial Inc. became the latest life insurer to reject federal bailout funds, saying in a one-sentence statement early Monday it doesn't need capital from the Treasury Department's Troubled Asset Relief Program.

Its stock fell 2.3% premarket to $39; shares, though, are up 32% this year and have nearly quadrupled since bottoming out in March.

A number of companies in November sought federal help as they were hit by billions of dollars in investment losses and worries about their capital levels. Prudential has lost money in the past three quarters on woes in its investment portfolio.

But especially in the past month, a wide spectrum of companies have been able to raise money directly from investors who have shown to be less risk averse than they had been.

Prudential made its decision "after conducting a thorough review." The Wall Street Journal reported last month, after the Treasury gave its belated blessing to allow life insurers access to TARP, that Prudential would likely decline the request.

Ameriprise Financial Inc., one of six life insurers that were preliminarily approved in May, said it wouldn't participate. Allstate Corp. also has declined to accept funds.

Before you choose to buy life insurance, learn more here...

How Do I Make More Money?

Often times, we feel the need to ask ourselves questions about the financial situations that we all encounter from time to time.  Most often, we wonder how to make more money, or how to find a better paying job in order to stave off the vultures at the bank.  We will improvise all ways of creative financing in order to rob Peter, and pay Paul.  We may actually think that finding a better job is the solution, but most often, we all find ourselves right back in the same old rut within a few months.  We over spend.  We buy too much stuff.  We never even consider that WE are the real problem that we have in our money.  Its always someone else's fault.

What if I could share with you a way that you could recover lost wealth, and never have to leave your current job?  What if I could show you a way out of the financial jungle that would empower you to break free from your financial woes?  What if I could educate you in the ways that financial institutions are draining your money on a monthly basis?  What if I could offer you business mentoring and training that  would assist you in building a stronger financial future, NO matter what you current economic situation is?  Would that be of value to you?  Here is the solution and answers to many of the financial questions that you currently have.

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Money Seminars

What is a Money Seminar?

Money seminars are provided to answer many of your questions concerning finances.  A gathering of like minded people, via the Internet, or teleconferencing phone systems, meet at a pre designed time, and listen and learn, from one of the foremost business economists of our time, Dr. Raymond Jewell.  These valuable systems are provided for very negligible fee, for you, the person hungry for education and knowledge concerning the actual ways that money is lost in today's economy.  You could call money seminars your roadmap to financial freedom and independence, even in these times of economic crisis.

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Its a fact that Dr. Jewell has been mentoring and assisting people with their money and finances for over 30 years.  His business knowledge and expertise is world renowned, and the people who attend the money seminars will find invaluable information and knowledge that they can use to improve their financial situation.

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The cost is only $39,  This amazing value provides you additional incentives for registering including a free financial workbook, access to the archives of other recorded sessions, and even grants you the ability to have a 30 minute consultation with Dr. Jewell, concerning your particular financial situation.  This in itself, is worth viewing and signing up for the newsletters, and listening to the audio and video recordings found on this website.

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You should only attend these sessions, and view this site if you are interested in providing your family security and increased money for the long term.  These money seminars will inspire, motivate and educate you in the ways that you are currently losing money, and have been doing so, for the last 10 period.  Most are not even aware of this sad, but true fact!

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Money Seminar

The Truth Will Set You Free!

How long has it been since you have actually been told the truth about money and finances?  I would suppose that this would equally apply to absolutely anything that you hear, or read.  Lies and smoke are prevalent, not only on Google, but also on the media.  You will never hear the real truth from reading your favorite newspaper, or by listening to your favorite television channel.  Basically, all forms of the media are owned by huge conglomerates that will cater to the desires of stock holders, and not the common people who absorb the trash that is fed them like voracious and hungry wolves.

How long has it been since you have actually been told the truth by your bank, or mortgage lending Establishment?  How long ahas it been since your government has actually shared with you the real truth behind the scenes?  Its a well known fact that this whole country is run by a select few.  They push all the buttons around the world.  Have you been told the truth, or simply told what you want to hear?

How long has it been that you actually knew where your money is going in taxes?  This holding out the real story even applies to your own grass roots politicians in your home town.  The term truth, has lost its power in this country, and you have let this happen.  I remember the phrase from a popular Jack Nicholson movie:  "You can't handle the truth!"

Can you handle the truth about your money and finances?  Would you be shocked to learn that there is a way to learn how to deal effectively with the financial institutions of this country?  What if you really could learn where your money is actually going, and how to protect yourself against losing money in the future?  Would that help you in any way?

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Money Seminars

Financial Planning does not Work!!!

Over the years financial planners have been sitting in front of clients showing them spreadsheets and ledgers about numbers. Over the years the numbers never happen! Why? Because it is only opinion instead of fact. This is one reason why financial planning does not and will not work.

There is no method of verification or showing that what is being said is truth. No wonder people are failing and outliving their money. You see, money is not math and math is not money. There are to many other variables to consider, but not for the financial planners of the world, they use math and assume that their opinions will work. Folks this is called gambling and why would you gamble with your hard earned dollars?

Unless you have a method of verifying whether what is being told to you is truth or not, you will always lose. When you get someone's opinion you are being set up for failure or allowing your self to be set up for failure. Whenever anyone's whole financial world is structured around financial markets there will be failure simply because of the cycles that the financial markets go through.

When times are great people think they are financial geniuses, but when times get tough and markets drop people blame others when in fact it's really your fault. Yes if you lost large chunks of money you are the one to blame simply because the buck stops at you. So why wouldn't you take the time to learn how to do it right.

It doesn't have to be that way! You can learn how to eliminate the financial ups and downs simply by thinking differently and looking at the financial world differently. We are offering a tele seminar on "Wealth Recovery" where you will learn how to look at the financial institutions in whole different light. You will be able to see how to win in down markets and verify everything that you do for truth, and not have to listen to some financial planner's opinion.

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If you are reading this article as a result of getting our Money Talks Newsletter then pass it on to  a friend so then can learn how to win. They would appreciate it and so would I. Our goal is to reach 1,000,000 people and teach them how to look at their financial world through a macro economic grid and be able to see their mistakes before they happen and need your help. If you haven't signed up for the tele seminar then I have a gift for you. I will give it to you for free all you have to do is go to the link below and sign up but there is one catch, you have to bring a friend. Give the link to a friend.  

If you alredy paid for the tele seminar you will get an additional 1/2/ hour so in total you will have a full hour to go over your economic information. Your one-on-one meeting will be on-line with me where you will be able to see the economic simulator in action. You will have one full hour to ask as many questions as you wish, with no obligation.  Money Seminars is designed to be your roadmap to financial security for the long term.

Here is the "bring a friend" link. We can handle 2000 people listening live from the website so   click here.

 

Thanks for reading

Dr. Raymond Jewell, Senior Economist

www.FinancialFreedomRadio.info