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Average Cost of Life Insurance (2017) #average #life #insurance #cost #per #month


Average Cost of Life Insurance (2017)


ValuePenguin recently took an in-depth look at the average cost of life insurance across a number of different policy durations. The largest influencing factor on life insurance prices are the health of the individual being insured. Factors such as whether or not your smoke, and what your height/weight are go a long way towards determining your annual insurance premiums. Individuals that smoke can pay 3-4x the amount that healthier, non-smokers will have to pay in premiums. Of course, life insurers will look at many other factors besides health (such as your occupation and age) but factors common in pricing other insurance products, like state of residence, won’t be a contributing factor.

Average Cost of Term Life Insurance by Age

Looking at a 20 year term policy (the most popular option) worth $250,000, we’ve determined what the average annual price is for individuals between 25 and 65. One of the clear takeaways from the table: it’s expensive to smoke! Smokers on average will pay up to 200% more for their life insurance policies than non-smokers. This disparity grows with age with 25 year old smokers paying twice as much for their insurance while 65 year old smokers pay almost 3x as much.

Monthly Life Insurance Cost (Non-Smoker)

Annual Life InsuranceCost (Non-Smoker)

Average Cost of Life Insurance By Term

Below you’ll find the average cost of life insurance broken out by number of years on the policy. Unsurprisingly so, the longer the policy term the more expensive it is. Average policy costs range from $568 per year for a 10 year term policy to $1,528 for a 30 year term policy.

Term Life Insurance Policy Costs

Term life insurance rates are typically the cheapest way for an individual to purchase life insurance coverage. They’re significantly cheaper than insuring with a whole life policy and still provide some flexibility. Our charts below detail 10, 20, and 30 year term life policies so you can see the average cost of each. As you’ll see, fewer policy coverage years equate to a cheaper monthly (or annual) premium.

Life Insurance Rates: 10 Year Term

Here we breakdown 10 year term life insurance policies and show you the average annual premiums depending on your level of health and the amount of coverage you’re interested in purchasing. Ten year policies are popular for those people who are on a very tight budget as they offer some of the cheapest rates on the market, or those who won’t require insurance after their ten years of coverage expires. If you need a reminder on what each ‘Rate Class’ entails you can click here and see our description at the bottom of the page.

Life Insurance Rates: 20 Year Term

The most popular term life insurance option on the market, the 20 year term policy provides longer coverage than its shorter-term 10 year counterpart. These policies are usually recommended for young families who often have large debts and expenses, like mortgages and school loans, that would become extremely burdensome if the breadwinner of the family happened to die unexpectedly. Twenty years is typically long enough for the family to substantially pay down these debts and reduce the potential risk of someone else having to foot the bill should something happen. Take a look at the average rates by Rate Class below:

Life Insurance Rates: 30 Year Term

Looking for a longer term life insurance policy? Thirty year term policies will provide you more flexibility but come at a much higher price. However, one of the advantages to a longer policy, such as a 30 year term, is that your premiums remain unchanged even if your health changes over the time period. So if you’re underwritten as a healthy 25 year old and find yourself overweight and out of shape at 50, fear not! Your rates will have been locked in based on your physical health when you purchased the policy. You can see below how much pricier 30 year policies are than your shorter term policy options:

Life Insurance Market Size

The life insurance market has grown by around 30% over the last ten years. Interestingly, the market grew about 28% between 2003 and 2008 before shrinking after the recession in ’08-’09. Since then it’s grown steadily and just surpassed it’s 2008 market size in 2012. Check out our graph below to see how the market has fluctuated in the last decade. All numbers in billions.

*Data from the 2012 NAIC Study


Data from this study was sourced from TIAA-CREF. Average life insurance figures were calculated by looking at four policy amounts ($100k, $250k, $500k, and $1 million) across four Rate Classes. The results were averaged to give us the number in the first table. Here’s the breakdown concerning rate classes:

Preferred Plus policies assume no tobacco use in 5 years, no serious medical issues, cholesterol levels below 210, and blood pressure that doesn’t exceed 135/85.

Preferred policies assume no tobacco use in 3 years, above average health, no serious medical issues, cholesterol levels below 250, and blood pressure that doesn’t exceed 135/85.

Select policies assume no tobacco use in 12 months, good health, blood pressure below 140/90, cholesterol below 300.

Standard policies assume tobacco use in the past year, good health, cholesterol below 300, and blood pressure readings below 140/90.

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Solar system size guide and calculator #solar #panel #size #per #kw


Choose your optimal system size

There are several variables that affect the optimal system size for a given property. The two key variables are: the amount of electricity consumed during daylight hours, and; whether or not you wish to store solar energy with a battery for use at night. These two variables are key to determining the optimal system size for your property.

The best place to start, is by checking your most recent electricity bill and seeing how much power you use each day. Then, the onus is on you to estimate how much power you consume during daylight hours. Our system size calculator below can then display your optimal system size.

solar system size calculator

Enter your property location and your daily electricity usage. If you don’t know your daily usage, you can calculate it here .

Your system size results

This calculator provides an estimate of the system size needed to power your daily electricity consumption in your location.

System size when only panels are installed

Consider the following scenario: The average Australian household consumes 18kW of electricity each day. If we use a house in Melbourne as an example, you would need a 5kW solar system to generate this amount of power. However, if the household only consumes 40% its electricity during daylight hours, there is no point installing such a large system. In this instance, a system that generates on average 7.2 kW (40% x 18 kW) of electricity per day would be sufficient. Therefore, a 2 kW system is likely to deliver the most cost effective solution and achieve the best financial payback; as the current, exceptionally low feed in tariffs. don’t encourage solar panel owners to generate excess power and export it to the grid.

Optimal size for solar panels and battery

A solar battery can store excess solar energy generated during daylight hours for use later at night, when the sun isn’t shining. If you are considering battery storage, you need to factor this into your system size equation. If we take the previous example, it may be beneficial to generate the 18 kWh of electricity it would take to power your property. If this were the case, you would need to upgrade the size of your solar panel system to 5 kW and add a battery capable of storing the excess solar power you generate during the day, for use at night, therefore storage capacity in excess of 10 kW would be required.

Physical area size required

It’s all well and good to say that a 5kW solar system will produce enough energy to power your home, but you may not have enough roof space for a system of this size. Solar panels come in different shapes and sizes. As a guide, you’ll need 4 x 250W panels for every 1kW of your solar system. If you’re looking at a 5kW system, that’s 20 solar panels with a capacity of 250W.

The standard dimensions of a 250W solar panel are 1.70m x 1.00. This means that you’re going to need around 1.7m2 for every panel you want to install. In the case of a 5kW system, you’ll need 34m2 of roof space in order to house your solar system.

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Pay Per Click Management Experts Talk About Paid Search, ppc pay per click.#Ppc #pay


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AB Toyz and More Analyse A Real PPC Campaign 24 Aug 2017

Ppc pay per click The last PPC campaign I analysed in the Analyse A Real PPC Campaign was from Kenwood Travel, who had good search advert and a good landing page, except for the bland colour scheme used on it (which needed to be more colourful to reflect the type of holiday they were promoting). An interesting product that has .

When to Use PPC and When to Use SEO 23 Aug 2017

Ppc pay per click Although it has been mentioned many times before, it still needs to be stressed just how important traffic is to a website. Without traffic, to some extent, a website is worthless. Making sure you have sources of traffic to a website is crucial to the success of it. With this, there is an argument to say that there are mainly .

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Ppc pay per click MOST IMPORTANT REASONS YOU MUST AVOID FOR YOUR SUCCESS IN PPC ONLINE ADVERTISING Pay-per-click marketing is a valid and authenticated method that marketers use to present their company in front of local and international audience. It is successful because almost every hour a day is a peak hour somewhere around the world when .

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We created this blog to spread tips, tricks and insider info about Google Adwords, BingAds, YouTube Ads and Facebook Ads. We want to help the world to make good profits from your PPC Ad Campaigns. With a vast amount of competition in the paid search market, everyone needs a little help. Even the experts. Advertising dollars are being poured into online marketing more than ever before, it’s now harder than ever to bring a decent return on investment through your Adwords Campaigns. We try to offer only the best quality content, case studies and resources to improve your pay per click ad campaigns.

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Do-it-yourself division of CP items does not deprive trial court of jurisdiction to divide them equally.

In reversal, Third District holds that trial court erred by denying wife s motion to divide unadjudicated community property under Fam C 2556 because wife was not required to file prior motion for set-aside of default disso judgment before seeking division and was not precluded from seeking division some two years after disso judgment was entered

In re Marriage of Huntley

California Court of Appeal 3 Civil C080534 10 Cal.App.5 th 1053. 216 Cal.Rptr.3d 904, 2017 FA 1786, per Hoch, J (Butz, Acting PJ and Renner, J, concurring). Yolo County: White, J, reversed. For appellant: Matthew Smith, (530) 758-7800. For respondent: Pamela Bair, CFLS, (530) 756-2247. CFLP J.2.0.2.

Frank and Deanna Huntley were married in 2000 and separated in June 2011. In December, Frank served Deanna with a disso petition, an I E declaration, and a property declaration, which listed the family home as their only property. Deanna did not respond to the petition, and in July 2012, Frank filed a request for default, which he served on her. The trial court entered a default judgment in October 2012, which dissolved the parties marriage, but did not mention any community property. Some time after that, Deanna signed a grant deed conveying her interest in the family home to Frank.

In January 2014, Deanna filed a motion under Fam C 2556, seeking to adjudicate omitted community property. At a subsequent hearing, the trial court reasoned that Deanna should have been aware that no property orders were made in the default judgment and filed a motion to set aside the judgment, since she was fully aware of the parties assets and debts and had been in charge of paying their bills during the marriage. In the meantime, the lower court reasoned, the parties community assets were held as per their title, retirement accounts were owned solely by the party who earned them, and the parties had divvied up their furniture and furnishings. In addition, the trial court continued, the fact that Deanna had signed the grant deed supported Frank s claim that he and Deanna had an oral agreement to divide their community debts and assets. Finding that the case was concluded, the trial court denied Deanna s motion.

Deanna appealed, and the Third District reversed and remanded.

Left out, but not forgotten.
Deanna contended that Fam C 2556 gave the lower court continuing jurisdiction to divide unadjudicated or omitted assets without a prior motion to set aside the default judgment. The justices found that her contention has merit. The panel explained that a spouse s entitlement to a share of the parties community property may be altered only by a judicial decree or the parties own agreement. Moreover, they continued, property that is not mentioned in the disso pleadings is not affected by the disso judgment and remains unadjudicated until future litigation. In the meantime, the panel noted, that property is held by the parties as tenants in common.

The KISS principle.
The panel noted that when the Legislature enacted former CC 4353, later codified without change as Fam C 2556, it intended to do away with the then-existing requirement that a party must file a new action to obtain division of community assets omitted from the disso judgment. The panel found that the statute gives the trial court continuing jurisdiction to divide omitted assets without the moving party s having to file a set-aside motion, and requires that court to divide the unadjudicated assets equally, unless an unequal division is required by a finding of good cause or the interests of justice. Moreover, it applies even where the parties were aware of the extent of their community property when the disso judgment was entered. And, the justices pointed out, it contains no time limit for filing a motion under its provisions.

In writing or on the record.
Frank urged the justices to follow the lower court s determination that the parties had previously divided their community property per their oral agreement, leaving it with nothing to divide. Not so, the justices said. Any agreement that the parties made, the panel found, was not valid or binding on the trial court unless it was in writing or recited on the record, neither of which was the case here. Thus, the trial court still had the duty to divide the parties community property equally and had not been deprived of jurisdiction by any alleged oral agreement of the parties. Given all that, the justices concluded, the trial court s disso judgment must be reversed and the matter remanded for further proceedings.

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10 Disturbing Facts about Passages Malibu Founders #passages #malibu #cost #per #month


10 Disturbing Facts about Passages Malibu Founders

Addiction Treatment is Very Lucrative says Pax Prentiss of Passages Mailbu

Passages Malibu the Addiction Marketing Empire

Pax Prentiss with his tanned Marketing partner and Dad Chris Prentiss are making a killing on the pseudo treatment of addictions, ruining lives and bankrupting families, with their high cost scam. With no qualification in addiction or no medical background, the Prentiss empire has made an estimated $50 million in books, room stays and appearances, based on their claims of curing addiction. Pax Prentiss net worth was $15 Million in 2013.

Chris Prentiss is a failed filmmaker and ex-con. Pax Prentiss confesses he was a heroin, cocaine addict who found a cure for addiction with his Dad Chris who is a real estate marketing salesman and ex-conman. Pax Prentiss has issued Press Releases about his sobriety date to promote their “treatment” center. His press releases stated his 14 year continued sobriety and his gratitude to his father and Passages .

Their $85,000 a month treatment facilities in Malibu and in Ventura and new out patient facility on Abbot Kinney, are regarded as lavish and upscale resorts that cater to the rich and famous. A place to get sober with the Stars of Hollywood, like Mel Gibson. These stars enter a lavish environment rather than go to recovery groups. Mel Gibson was sober for many years through his very strict religious group, until his meltdown. Spa treatments, relaxation therapy, pools and gardens, these estates cater to a very high end clientele indeed, yet they market their services to all.

This is not about treatment it is a marketing company, they are snake oil salesman who live in a make believe world of their own delusional fantasies. They prey on the misery and pain of families dealing with addiction and offer a Cure . They are making lots of money lots of money feeding on peoples lack of understanding of addictions. All the private chefs, and great views in their $32 million base camp, hide the fact that they are a media and marketing company only. There are no facts, scientific or otherwise to corroborate anything that is said by the Passages Media. Chris Prentiss has stated he can heal addiction by laying his hands on people. Why then would they need to charge $80,000 for a month?

10 Facts About Passages Malibu Founders

  1. Pax Prentiss was never a heroin or cocaine addict. He may have dabbled in the drugs and alcohol as a youth, he may still take prescription drugs but he was never an addict to the extremes that he stated on CNN and other News programs He is a frontman for his fathers unfounded claims. Does Million Little pieces ring a bell?
  2. Pax Prentiss has stated he was raped at the age of six, there was never any investigation of this or further follow up. This was done to have a new client re-mortgage their house to stay and be cured of emotional turmoil.
  3. The Prentiss Media empire invest hundreds of thousand a month in propaganda and media promotions. Their marketing try to stop bad PR online with and marketing team that remove unfavorable information online. They have their own Youtube channel to promote their treatment in a serial format.
  4. Chris Prentiss The Father is a recovering addict and conman, as he has admitted to his own addiction and shady past on internet recovery radio show .
  5. Chris Prentiss is a failed filmmaker and ex con.
  6. They claimed to have a 80% success rate with no evidence of this.
  7. Their “treatment” is based on a mix of herbal and western New Age teachings such things as Adventure therapy, nutrition therapy, and lectures by Chris Prentiss about I-Ching. There is no medical treatment given unless needed. As they have no medial degrees they need Drs. to prescribe for Clients.
  8. They cannot legally use the term patients . The term Clients is used to ensure they do not need any formally trained counselors, or medical staff on hand. They employ masseuses, chefs and mystics instead.
  9. Chris Prentiss believes the I-Ching is “the greatest book ever written,” that “it tells the future with 100 percent accuracy.
  10. Chris Prentiss publishes under a moniker Wu Wei — titles like I Ching Wisdom and I Ching Life. All his books are under his own imprint, Power Press.

Clients die because because of relapse.

Here are a few cases:

After spending a quarter of a million dollars at Passages, Jeannie now realizes, “There is no cure, I know that now. So I don’t get what they’re saying.” Passages Releases its clients with a clean bill of health or will assign a Personal counselor to you at the cost of $60,000 per month to help keep you sober. This does not show that they have a cure in any form. Many ex-clients that have relapsed talk about the facility as a luxury resort, but nothing more. There was no substance behind it, no help, everything just had therapy added to it. Sleep was Sleep Therapy , Eating was Nutrition Therapy etc. You kind of just get waited on and enjoy the stay barring Chris and his crap, but I still relapsed they day after I left said an ex client. There was a graduation ceremony and then a few of us got together and smoked crack .

After the intervention, Dad checked into Passages on February 24, 2008. He was released with a clean bill of (physical and mental) health on March 28, 2008. He drank the day he got home .

An Ex-Passages Medical Director Refuted Prentiss Marketing

“Chris Prentiss is not qualified to be talking like that, I will tell you one thing about Chris Prentiss,he is the consummate Ringling Brothers and Barnum Bailey circus-barker showman.”

Dr. Hamlin Emory.

Dr. Emory, despite being a man of science, concludes, “The principles of the 12-step program are superb. They’re excellent.”

If you know someone who has addition issues, please Contact your Dr. reach out to a local 12 step group or talk to a qualified therapist.

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