Aug 14, 2012

Whole life insurance costs

Today no one can be without insurance as there are pitfalls in life and you have to be prepared in the event you lose your job and have to replace your income or pay off your mortgage or have enough money for the kids’ educational needs. The two main types of policies are term and permanent insurance. Term is for a period of time, and whole life is for the rest of your life with cash accumulating in the policy. The main difference however between whole and term insurance is that with term you make an arrangement to pay an amount of money for a stipulated period of time such as ten, twenty or thirty years during which your premium does not change. At the end of that term you can negotiate a new rate for a new term. 

Whole life versus term

With a whole life policy you are providing coverage for the rest of your life. Term insurance covers your needs for a certain length of time and you have to buy a new policy at an increased rate. Whole life insurance builds up a cash value where you eventually do not pay anymore and you are still covered. These whole life policies are great even for children as they build up and at some time in the future they can use the cash value for their education. The two types of permanent coverage are whole life and universal life. Because the company is on the hook for a very long time with whole life, the cost of whole life insurance is more. You decide between the two; one offers guaranteed cover for a period of time and you continue to pay; the other protects you for the same premium for the rest of your life with a cash value at the end.

Whole life insurance for men

Men pay higher rates for insurance whether term or whole life and the company targets males and are familiar with the common health conditions such as high blood pressure, coronary artery disease and other ailments such as diabetes and obesity which are common problems for men. As the company has helped many men get affordable life insurance coverage with these health risks they know which companies provide the best cost. 


Universal Life is a flexible policy as you can decide whether you want to continue paying premiums for a certain amount of time. Of course if you do not pay every month, your cash value will reduce unless you have had the policy for many years and it has accumulated a good cash value. If you have a good cash accumulation you can opt for a payout of the cash value or leave it in the policy so the cash value can pay the premiums. Remember, there’s no cash value with term life insurance. If accumulating cash value is not important, you can opt for the next best thing; a guaranteed universal life policy to age 100. You decide. 

Whole life insurance quotes

There are two ways to get a whole life insurance quote. Either call the company to request an illustration or run an instant online quote using the form provided. Request an application and in the message indicate that you are interested in knowing the cost of whole life insurance. A representative will call you to follow up.

Coins and medals

The Royal Mint over the centuries has made all the United Kingdom coinage and is known around the world for its heritage, high quality of coins, and state-of-the art technology. These attributes make the Royal Mint one of the world’s leading manufacturers of coins and medals. The institution’s roots go back 1000 years and today is symbolized by a modern logo; a depiction of the crowned Royal Arms surrounded by a repeating pattern. It is said that when you make a purchase from the Royal Mint, you are not just buying a coin, you own a piece of history. The Royal Mint is known for making beautiful handcrafted coins and medals for countries all over the world.

Coins and medals for different occasions

·                     You can now own the London 2012 Official 5 pound coin
·                     Nine packs of 50p Sports coins with a free folder and free P&P
·                     Olympics silver
·                     The UK’s first ever Five-Ounce Coin celebrating 2012. Coins and medals make perfect souvenirs.
·                     The Official Paralympic 5 pound Coin

Coins and medals make excellent gifts; one such gift is The London 2012 Official Silver Proof 5 pound Coin. These are the only coins to feature the Olympic emblem and are presented in a specially designed case together with a Certificate of Authenticity. A number no greater than 100,000 Olympic Silver Proof Coins will be struck. Each sparkling coin is beautifully presented in an attractive case specially designed with the London 2012 emblems and comes with a Certificate of Authenticity. Be part of the games by getting into the swing of things and add to your collection of coins and medals with the official Olympic coin of London 2012. It is a memorable gift you can pass on to the next generation. 

Education and learning

The Royal Mint Museum encourages that people of all ages learn and explore the history of the Royal Mint through its collection. They provide a set of 9 lesson plans for pupils aged 8 to 13. The purpose is to use coin design, the history of coinage and coins from around the world to bring the curriculum to life and allow children to view the world in different ways.

Coins and medals as gifts

For a birthday, graduation, wedding, or anniversary gift there is nothing more beautiful and appreciated than a solid silver coin with history. Go online and take a look at the site and browse for a special coin for someone. You can browse by interest, event, type, occasion, and will be bound to find more than a few coins that you like. 

Terms and Conditions

Please read the terms and conditions before you sign up. This is an important stipulation. In a nut shell, here is how it works. After placing your order on the website you will receive an automated email that they have received your order (Acknowledgment). When you sign you warrant that you are eighteen years old and that you have read the terms and conditions in its entirety. Get more detailed information by going on the internet or call or email the company for anything you don’t understand. Enjoy the Olympics!!


The state of Andropause, also commonly known as male menopause, is when a man reaches his late forties or early fifties and reaches a time in his life when his hormones start to decline. It is a gradual process and symptoms vary from person to person. What usually happens is that the man fails to have an erection or has difficulty getting one, feels grumpy, is more fatigued than before, has night sweats and sometimes even palpitations. Mood changes are also known to occur and the man is usually edgy, depressed, anxious, nervous, or any one of those.  

Symptoms of male menopause

·                     One of the first signs that a man is menopausal is that he becomes clingy and takes more interest in family life and being at home. He is losing interest in certain things and with his inability to perform his manly duties he feels almost incapacitated.

·                     There are mood and other changes and he is nervous and irritable and also depressed. He can’t articulate his distress as he is embarrassed about his erectile dysfunction. He also turns more to his wife than he did before.

·                     He has night sweats and palpitations worrying about his testosterone levels and so slides deeper and deeper into depression. He is difficult to approach because he cannot accept that he no longer is that virile 30 year old he used to be. 

·                     Men have a hard time dealing with the fact that they are getting older. They do not want anyone to know and don’t want to discuss their inability to have sex with a doctor. This makes the condition harder to treat as he has now also become sullen.

·                     An andropausal man loses his love of adventure and takes few chances now. He errs on the safe side. His razor sharp wheeling and dealing in business is a thing of the past.

·                     A decrease in body hair and an increase of fat around the organs. This is not true for all men, and all men also do not experience Andropause.

·                     A decrease in lean body mass and bone density.

·                     He starts to forget things, misplaces the keys, or forgot that he turned on the stove. He puts this down to normal aging when in fact he is in the grip of male menopause.

Treating Andropause

Some doctors recommend vitamins and herbal and natural cures. There is also testosterone replacement therapy which is often very effective. Treatment includes restoring sexual function, increasing libido, an increased sense of well being and the prevention of osteoporosis by optimizing bone density and improved muscle strength and mental functioning. Treatment should not only aim for normal testosterone levels, but also aim to normalize levels of secondary hormones affected by testosterone levels. Present options include oral tablets, capsules, injections, slow release pellets and patches and gels. These last two are easy to apply and fairly safe with a very low incidence of side effects. Andropause affects a man’s ego and he rues that he no longer is the king of the pride that can leave his scent anywhere; that’s a hard blow for a man. Go online if you want to know more about Andropause and treatment.