The truth is that most, yes most, life insurance
needs are temporary.
As explained by the Life and Health Insurance Foundation for Education, if you're pretty sure that
your needs are temporary, then term insurance is probably the right choice for you.
Term insurance tends to work best for people whose
needs are temporary and who aren't concerned with building cash value into their policy.
Also, if your coverage
needs are temporary like mortgage protection or covering kids while they are dependents that are also a sure sign to get a term life insurance policy.
It's actually very simple, you should go with a Term Policy if
your needs are temporary.
If you're pretty sure that
your needs are temporary, then term insurance is probably the right choice for you.
Consider this: If you've owned term insurance over the past several years and your term policy has ended or it is now running out, you may not want to a term policy again unless you are absolutely sure your future insurance
needs are temporary.
«It's not that I think we could change liberals to conservatives by grossing them out, but sometimes
all you need is a temporary little boost,» says Pizarro.
If
the need is temporary, then term life is the best policy choice.
You buy term life insurance to cover a temporary need; however, just because
a need is temporary does not mean that it is short - term.
If
your need is temporary, or you missed an Open Enrollment deadline, and need inexpensive major medical coverage, a short - term plan is one of your best options.
There are many available options if
your need is temporary.
If you do need permanent insurance, make sure you take time to determine how much of
your need is temporary and how much is permanent so that you can build the best life insurance portfolio.
Your answer to that question will help you identify if
your need is temporary or permanent.
Then consider factors, such as how many people work in your household and if
your need is temporary or permanent.
If
a need is temporary, such as covering college costs or a mortgage balance, term insurance is the way to go, says Carolyn McClanahan, a certified financial planner with Life Planning Partners in Jacksonville, Fla..
These policies are designed to pay out, so if some of the life insurance coverage
you need is temporary, like a mortgage or college tuition for example, you may want to consider purchasing term life insurance as well.
If
your need was temporary and has expired, then you can let the short term coverage expire.
For those who just can't get over the idea of spending money to protect their family and not getting anything back, there is always a permanent insurance like universal life or if you agree that
the need is temporary, a return of premium term insurance policy.
All you need is a temporary wood frame, some heavy poly & a special zipper.
Not exact matches
Someone, whether yourself, a permanent staff member, or a
temporary employee, will
be needed to fill each of the following roles:
Essentially, you will
be paying this individual to do specific work at a set rate per hour or per day because he or she has expertise that you
need on a
temporary basis.
Writing the job description and job specifications will also help you determine whether you
need a part - or full - time employee, whether the person should
be permanent or
temporary, and whether you could use an independent contractor to fill the position (more on all these options later).
The shale revolution weakened a strong and intuitive argument in favour of the Keystone, namely that the pipeline would serve to transport much
needed fuel to
be used domestically in the U.S. And Prime Minister Stephen Harper's pledge to turn to China after Washington's
temporary rejection of the Keystone in early 2012, hasn't amounted to much so far.
The
temporary foreign workers issue
is just another example of why Canada
needs to keep better labour market data.
A common defence of Canada
's ballooning
temporary foreign worker program
is that it
's needed in areas with severe labour shortages.
Of course, there will always
be cases in which you
need to analyze data on a shorter time frame — like when you
are evaluating results of an experiment or testing the effect of a new software release — but for those cases you can always perform an ad hocanalysis using a
temporary spreadsheet.
Major players like Amazon and Toys «
R» Us hire seasonal armies of up to 70,000
temporary workers to handle their pre - and post-holiday shipping
needs but small businesses just don't have those kinds of resources to deal with an influx of orders.
While companies can hire
temporary customer - support reps, they'll
need some time to
be trained on the products, services and the way the business works so the quality of support doesn't suffer.
Will a
temporary worker
need to
be hired?
Whether you
're in
need of full - time help or
temporary assistance, the Upwork platform makes it easy to create a job posting, connect with qualified professionals and share any project details.
The NLRB, in a statement Thursday, says the purpose of the ruling
was to refine its standard of joint - employer status to match up better with the
needs of today's workers, where nearly 3 million people
are employed on a contract basis through
temporary agencies.
If your business
needs credit to grow or a
temporary infusion of cash, receiving a loan may
be difficult in our still - recovering economy.
If you
're looking for work (and frankly, every job
is temporary so you should always
be keeping an eye out for opportunities), then you
need to consider getting a couple of blog posts pulled together and posted on your LinkedIn profile.
For consumers, the process
is easy: Simply download the Authy app onto your device of choice, and after typing your username and password into an Authy - integrated site such as Gmail, Facebook, Dropbox or Bank of America, Authy will send you a
temporary code that you'll
need to enter before gaining access.
During the peak holiday season,
temporary workers
need to
be on - boarded quickly.
NEW YORK, Nov 4 - With freezing temperatures forecast, tens of thousands of people hit by superstorm Sandy
need temporary housing, New York officials said on Sunday, but it
was not immediately clear where they could all
be sheltered.
For the record, a quick list of things that
need to
be done: Sell or rent your current house, find your new home, squat in
temporary accommodation in between, pack and move, close out old utilities, set - up new utilities, update your health insurance and driver's license, ditto with banking and vehicle registration, deliver said vehicle to new location, ensure spouse and children have jobs and school / daycare placements, find childcare in between if necessary, settle everyone in.
First, they
need to determine if the demand for their products or services
is increasing each and every month consistently, or if it
's only seasonal or
temporary.
And this platform
is very much
temporary because so many things
are happening in our country that it
needs to move on.
The FOMC's policy normalization principles and plans make the
temporary nature of the ON RRP clear by stating that it will
be discontinued when it
is no longer
needed to help control the federal funds rate.26 This intention
was noted again in the minutes to the January FOMC meeting.
It
's not uncommon for a small business to experience situations where they
need additional cash to overcome a
temporary cash flow gap.
In spite of this extra preparation, there
are still situations where a business might
need the extra capital available via a
temporary cash flow loan.
They
need to understand that lower oil prices aren't a
temporary market glitch, but rather a harbinger of what
's to come.
A
temporary cash flow loan probably won't make sense for every business or business
need, but can
be beneficial to generally healthy businesses that
need access to capital quickly and have the means to repay the loan over a short period of time.
Administrative assistant with strong communication and interpersonal skills
is needed for a part - time,
temporary opportunity.
With more than 2 million
temporary and permanent employees on the company's payroll, the
need to maintain rigorous checks and balances
is significant.
A healthy underlying business shows the valuation boost needn't
be temporary.
Business Professor
is needed for a
temporary part - time role.
If you intend to teach but
are currently unable to, you may qualify for a
temporary suspension of the time you
need to complete your service obligation, as explained in your Agreement to Serve.