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Insure against stock market crash

How can I insure against losses? The best “insurance” strategy is to (1) buy and hold while (2) diversifying your assets. This means to buy a wide range of assets representative of the whole range of the economy, both foreign and domestic, and to not buy and sell as individual stocks do well but to avoid fees by just holding the stocks for the long haul. This helps to insure against the risk that a particular company, country, or asset class does badly. However, it has limits: what happens if the entire economy does badly, like during a recession? One option is to buy a “put option”. Buying a put means you are entering a contract with another investor or firm that says that you have the right to sell them a particular asset on a particular future date at a pre-set price. So if you buy an Apple share at $700, you can buy a put at $600 for a particular future date and this means that, if Apple drops to $400 that you can still recover most of your money by reselling it at $600. Quite
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Stock and ETF Insurance

Can You Buy Insurance To Protect Your Investment? There are several ways you can protect yourself against market declines with “insurance”. The question is should you buy this kind of coverage and if so what is the best method to do so? As I hinted above, you can protect yourself from nasty stock market spills in any number of ways. Of course one option is to keep your money in cash. If you do that, you never have to worry about the market. You may have other problems that are far worse of course, like never being able to retire.  But at least stock market declines won’t keep you up at night. Other than parking your money in cash, there are two popular alternatives that some investors use to protect themselves against the downside of investing in the stock market. The Federal Deposit Insurance Corporation (FCIC), which sums up its main job: to insure your deposits. It does this not by charging you premiums like with your other insurance policies, but by charging the banks that it
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Gold From Insurance To Investment

Gold  From Insurance To Investment You need to invest your money to make it grow and also insure it to protect yourself against any economic crisis.  The two key pillars of any financial portfolio are investment and insurance. While the reputation of gold as insurance is well established, gold has also proved itself as a lucrative investment asset that yields returns even in strong economic times. We can see that gold has outperformed some of the most fruitful investment assets in the past. Gold’s value in the long term is supported by economic growth. Not only does it act as a hedge against inflation, it also provides unbeatable returns over the long term. Unlike other asset classes, the value of gold transcends geographical boundaries and sovereign currencies. It is easily available and transparent, and yet provides better liquidity than any other asset. Buying and selling of gold has taken various forms these days. Apart from physical gold, gold  Exchange Traded Funds (ETFs)  and di
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Gold as insurance

  Gold as insurance Insurance of any form is supposed to protect you by mitigating the damage caused by any unforeseen crisis. And for your financial portfolio, gold does exactly that. Given its low correlation with major asset classes like stocks and bonds, gold tends to perform well during an economic crisis. Take the stock market crash of 2018, for instance. During this time, investors found shelter in their gold investments. It compensated for their losses and provided them with liquidity. Even during times of inflation, when prices are at their highest, gold acts as a safety net for investors. Given its limited supply and intrinsic value, the demand for gold never goes down, and neither does its price. Not just that; investors also use gold as a hedge against currency depreciation. When the dollar gets weak, gold tends to get more expensive. Hence, people turn to gold as a haven when paper currency seems to be under threat. Historically speaking, when currencies are demonetised, o
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Are There No Medical Life Insurance Policy?

If you would like to buying life insurance but don't want to be bothered with having a medical exam or in order to qualify for coverage then I've got some very good news for you. Provided that you don't have a serious pre-existing medical condition it is possible for you to get a life insurance policy without ever having to see a doctor that also called no-medical life insurance . How Much Life Insurance Coverage Can You Get? Nowadays there are quite a few life insurance companies that offer insurance policies that do not require medical exams. However, the amount of coverage will not be as high as what you could get if you opted to apply for a policy that requires a medical exam. Most of the no-medical life insurance policies that are offered are term life insurance policies whose terms could be ten, fifteen, twenty, or thirty years. The good news is that many of them will come with a renewable option. Keep in mind, though, that if you renew your policy years from now
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The Senior Life Insurance Industry

Senior life insurance  will continue to rise, as increased government regulation establishes consistent rules across the country. The senior life insurance industry is showing no signs of slowing down. More people than ever before are considering receiving immediate financial benefits from their life insurance policy by entering into an arrangement with a broker. Increased regulatory and industry oversight has improved the stature of the industry, giving consumers more confidence in working with life insurance brokers . This has led to a growing number of investment firms making senior life settlements part of their long-term financial planning strategies for clients. So what will the life insurance industry look like? Here are a few predictions for changes that might occur in the industry in the coming year: Increased Broker Interaction: The industry has recently shifted away from a model where the producer or investor can handle a transaction and to a model where life insurance
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Purchase Life Insurance: A Checklist

Purchase life insurance can be an effective tool to make certain and protect your family’s financial future. It has been acknowledged universally as a method by which the breadwinner can substitute risk and uncertainty with timely aid for the family in case of their unfortunate death. There is really important to buying life insurance policy. Since a life insurance policy will replace your lost income after your death, it is important to choose the right kind of policy. Hence, it is essential to find a company that will cover your insurance with the right amount, and at a reasonable price. Need for a life insurance policy : There are several reasons for an individual, specifically a breadwinner, to make out a life insurance policy. There is some life insurance types for you to choose, to assuage your concern for your family in case of your death, most life insurance policies offer various death benefits that take care of your family after your death: 1. For example, a member of
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Purchase Life Insurance In 10 Year, 20 Year and 30 Year Term

Want to find life insurance ? Let us take a look at the 10 year, 20 year and 30 year term life insurance policies . You know, you have a bunch of great policies that the public can choose from before they decide to purchase life insurance , however, for some reason there are certain ones that just stand out. They tend to stand way above all level term life insurance policies. Sometimes I wonder why. Don't misunderstand what I am saying here, the 10 year, 20 year and 30 year term life insurance policies are great policies but so are the 15 year and 25 year term life policies. 20 Year Term Life Insurance Why would the breadwinner of a family consider the 20 year term first? I guess the choice depends on the point in time that this person decides to buy. In some cases there is a new baby in the family, perhaps the first child. These young people are so overjoyed at the presence of this newborn they just want to do everything possible to protect their new bundle of joy. 20 years so
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When Purchase Life Insurance Avoid This 3 Don'ts

Purchase life insurance quotes don’t always come cheap. That’s because life insurance companies are taking a gamble when they decide to insure your life and, like all gamblers, insurers or life insurance broker need to know how much of a risk they are taking when deciding whether or not your life is a safe bet. With high insurance premiums, it can be tempting to be “economical” with the truth or just to downright lie as you fill out your policy form. However, omitting the full truth either by choice or ignorance can lead to your policy being declared void, which leaves those left behind with nothing, even if you have continued to make your monthly payments. Truth is always the best policy, so here are 3 top “don’ts” that you should bear in mind. Don’t be coy about your age Age is a determining factor when it comes to life insurance quotes, as the older you get, the more your premium or life insurance prices is going to go up. Your age is an easy thing for insurers to check once a
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Get The Right Business Insurance Agent For Your Business

Business insurance is vital for being certain that your business is protected against unforeseen disasters. Without insurance , a successful business built with hard work and toil could be easily wiped out destroy the businessman's finances completely. However, with insurance you are guaranteed a fresh start. The first step towards getting the right business insurance is to find the right business insurance agent. A good business insurance agent will understand your business needs and will make sure you go in for the right kind of insurance that suits your business. Some small businesses make the mistake of hiring personal line agents, who lack the experience and the knowledge to  get the appropriate insurance package. Be certain the insurance agent has commercial experience , expertise, and access to multiple insurance agencies making it possible to get the best coverage at the best price possible. Tips to Find the Right One 1.Ask acquaintances, friends and relatives in
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