How to Shop Online For Life Insurance

How to Shop Online for Life Insurance

Shopping online for life insurance doesn’t have to be a time-consuming ordeal, but the final decision shouldn’t be made lightly. Choosing your life insurance is a little more complex than choosing auto insurance. Because you’ll have this plan long-term, even small monthly savings can add up to significant savings over the course of your lifetime. Take the time to compare plan costs and find the best value before making a choice.

What Kind of Insurance Do You Want?

Before you get online to shop for life insurance, analyze your needs. How much insurance and what type of insurance do you want? There is a big difference between term insurance, which is temporary, and whole life insurance, which lasts until your death. While term insurance is much cheaper, it doesn’t offer additional benefits. Whole life is more expensive, but it includes an interest-earning account and other perks. Different variations on these two offer varying pros and cons. Decide what kind of insurance suits your needs.

Compare Life Insurance Plans Online

Now that you have an idea of what kind of insurance you’re shopping for, it’s time to get online. You can save bundles of time by using an insurance comparison website.

These types of insurance comparison sites tell you upfront which companies they will collect quotes from, so you know that you’re getting information from trusted sources. You’ll fill out a one-time form that asks you about your age, sex, health, and state of residence. You´ll also need to specify what kind of life insurance you’re shopping for, which is why it’s important to understand the various options beforehand.

After filling out the online form, you’ll receive real-time quotes from various companies. The nice thing about using a comparison site is that the quotes you receive will be as closely matched as possible, in terms of comparing the same variables. Also, you don´t need to worry about keeping track all the information or organizing it, as that’s already done for you.

Now that you have some quotes in front of you, don’t jump the gun and sign up for the cheapest insurance policy you can find. Narrow your options down to 3 or 4, and then dig a little deeper. Different products offer different perks or savings opportunities. For example, you might qualify for free organization memberships, product discounts, or savings on bundled purchases. You´ll also want to make sure you’re not skimming over important exclusions or regulations.

Choose Wisely

If you need help making the final decision, don’t be afraid to pick up the phone. Just because you’ve done your life insurance shopping online doesn’t mean you can’t request the help of an agent in the final stages. Speaking to a skilled representative can get your questions answered quickly, and you’ll also get a feel for the company. After all, you’re going to be doing business with your life insurance provider for quite some time, so make sure you’re happy with your final choice.

Alliance of Valiant Arms: A Game of The Future

Developer: REDDUCK

Distributer: NHN USA

Publisher: IJJI

Pros:

Weapon Customisation
Distinctive in-game class changes
Unique Achievements

Cons:

Similar to other modern FPS MMOs

Alliance of Valiant Arms (AVA) is a modern FPS game like many others apart from the fact that the game has included top-notch graphics along with an in-depth story and varied gameplay. AVA is based on a fictitious war between the European Union (EU) and the Neo-Russian Federation (NRF).

Even though many other game companies have brought their own FPS games, even though these other games are similar to AVA and that the game does not exactly break away from the modern FPS mould, the refined graphics and smooth gameplay makes it a first class F2P game.

In-game

After character creation, which does not offer much, the player is asked whether they wish to do the tutorial anyone who has played a MMOFPS before would find that they do not need to do this, I would recommend that people do complete this as at the end it gives some money, in this game Euros are the currency. During a game it is easy to notice how graphically beautiful the surroundings are including the detail on the guns.

The overall gameplay of AVA is different when playing compared to games like Combat Arms or WolfTeam as these run off a game engine called Lithtech, while AVA uses the same as Unreal Tournament 3 and Gears of War, the more powerful and contemporary Unreal Engine 3, this means that even though AVA is similar to other games it has noticeably different and slicker gameplay.

Customisation

The game has three classes that can be changed at any point during a game and in the lobby; Pointman, Sniper, Rifleman. Obviously the names say what weapons they can use, Pointmen are close-quarters, Snipers long range, and Riflemen are effective at either. Each class has their own individual weapons that can be purchased from the shop and equipped before being used in the shop.

Quite possibly the best thing about AVA is the weapon customisation available, while only a few weapons are available at the moment, the customisation of those accessible is major, the front, mount, barrel, grip, trigger, stock and even the colour can be changed.

Achievements

Another feature that you would be hard-pressed to find in another game is the achievements, the player can earn medals and badges from doing a variety of things, such as killing a person with a grenade to playing and winning on a certain map. There are also harder achievements to obtain such as getting 1,000 kills or playing 1,000 hours, these achievements add a little extra to enhance the game, things like equipment or money can be acquired by getting these achievements.

Look, Listen

Everything from the game interface to the sounds just screams quality at the user. Small things that some people may not notice like the map is nicely integrated into the game, the games map is highly detailed, not just showing where your teammates are but where the last known position of the enemy were and where people have recently being killed. Even the sounds are nicely incorporated into the game, the voice-overs are well timed and don’t sound ridiculous, these small hardly noticeable things just adds to the overall quality of the game.

Game Modes

There are a few differences in some of the game modes available compared to other Tactical MMOFPS;

Escort – where the EU team has to escort a tank to the other side of a map while the NRF team uses RPGs to immobilise the tank. The sides swap when either the time runs out or the one team manages to get the tank to the end.

Demolition – The name speaks for itself as in many other games, the EU must plant a C4 charge in a specified area while the NRF have to defuse it. Eliminating the other team is another way to win the round. In each round if you die you have to wait until the round is over before you respawn.

Annihilation – This is basically a team deathmatch mode, where one team has to reach either 80 or 180 kills before the other.

Convoy – The EU team must retrieve a nuclear suitcase while the NRF have to stop them. In each round if you die you have to wait until the round is over before you respawn.

Prison Break – A Team of 4 people must find and kill a set amount of prisoners then battle their way out of the prison area. In Prison Break there are two separate missions, the first is Survival – Where the goal is to survive as long as possible against AI opponents. Players have a chance to acquire additional ammunition or health packs from enemy kills Using explosive drums to help kill a number of enemy.

Escape – Where players must reach the exit point before the mission timer runs out. The mission can fail when the timer runs out before reaching the exit point or the player team is annihilated. There are 3 rounds in Escape; Round 1 is to kill as many AI enemy as possible, Round 2 is to activate 4 different controller that open gates that are needed to pass onto the next round and finally Round 3 is to destroy the controllers with C4 to open the final gate to the helipad. This all has to be done while the enemy AI continually respawn.

Quit Coffee, Improve Your Health and Travel the World

A few weeks ago, I wrote a piece on alcohol, which stirred a few emotions amongst some friends. Alcohol is something I can quite happily give a miss, as it really isn’t that close to my heart. So I thought I’d face up to something that is a little closer to home.

COFFEE. Mmmmmmm. I only have to walk past a coffee shop and the aroma wafting out past my nostrils gets me practically drooling like Homer Simpson over ch-o-c-o-late.

It’s fair to say the latte lifestyle is ingrained in me. Sitting around and catching up with your mates, whilst sipping away on your favorite beverage (mine’s flat white, extra hot, made with love). What a great way to spend half hour. And judging by the five coffee shops within a 100m of me (I’m in one writing this), understandably it’s ingrained in many others too.

I’ve just had the barista tell me that they sell on average about 800-1200 cups a day! So it’s easy to say I’m not the only coffee lover around here. What amazes me more is that, I contribute on average, about two of those cups. At $3.50 a pop that’s $49 a week, and $2,548 a year! There’s a return flight to the other side of the world right there. Ouch.

We always recognise coffee, or even more so caffeine, as a bit of a pick me up. It clears the foggy cloud hanging above your head first thing in the morning, and then a mid afternoon fix to get you over the finish line for the day. Interestingly too, caffeine is often touted as a weight loss stimulant.

Firstly, I think we can all agree that if you keep things in perspective, the body copes well. Ie. You eat wholesome and natural most meals, but throw in a pizza once in a while, no problem. But it’s when the scales start to tip the other way the body starts to give out.

I’m the first to defend coffee, as I love the taste and the whole culture that goes with it, so I feel I can justify the odd cup, but I know those scales have started to tip, which has now led me to start digging a little further and finding out what the effects are of a regular caffeine hit are, and this is what I came up with.

When you have a cup of coffee, it initiates uncontrolled neurons firing in the brain, which triggers the pituitary gland to secrete a hormone that tells your adrenal gland to wake up and release adrenalin.

So this response now puts you in ‘fight or flight‘ mode, which I’m sure you’re all aware of, and of course you can see the great benefits of this ‘fight or flight’ safety mechanism that’s embedded in each and every one of us like a loaded gun, ready to go off at the slightest sniff of threat or danger, while we sit in our office chair or the cafe checking our emails first thing in the morning.

With this in mind, your body has just been put on red alert, with the biggest danger you’ll probably have is spilling your cuppa or writing a typo.

So you may get a bit of a lift from this, (as it generally raises blood sugar too, which is counter productive for weight loss), but of course, you come down with a crash later on in the day. Consistently doing this day in day out will put undue stress on your adrenal glands, forcing your glands to secrete when there’s not much there to give, which exhausts them over time, and can contribute to mood swings, depression, fatigue etc.

And just to lay some icing on the cake, caffeine inhibits Iron and Zinc absorption by up to 50%, especially if consumed near meal times. Just type it into Google, there’s plenty of thoughts on it.

Now, after re-reading what I’ve just wrote, I’m trying to put logic and meaning to every coffee I’ve had to date:-

Pros

– Tastes amazing (to me)

– Social aspect (good excuse to hang out and chat)

– Heightened awareness for short period of time, in case of any lightning speed reactions needed while I’m sitting on my butt.

– And it’s cheap at $3.50. Just for a little daily treat.

Cons

– At $3.50 a mug twice a day, you’ve got a round the world ticket. If you halved that to one cup, I’ve still got a surf trip to Bali (from Sydney) once a year.

– There’s an art to living stress free with out the daily curve balls thrown at us. Do we need to compound this more by putting our endocrine system under stress, which can contribute to mood swings, depression, fatigue etc.

– Food here in the city these days lacks enough nutrients as it is, especially through processing. So do we want to effect that any more than we need to?

Conclusion?

My favourite beverage has just taken on a whole new look. If I bury my head in the sand a little longer, surely no one would want to come up behind me and kick me up the arse!

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