Health Tips for a Better Life

Life insurance is a necessity for people whose spouses and/or other dependents rely on their incomes. Regardless of the type of insurance you decide to purchase, the payoff goes directly to your designated beneficiaries and is not taxed, so the beneficiaries receive the entire face value of the policy. The two most common types of life insurance are term life and whole life. Understanding the difference between the two can help make the decision about which is best for your situation easier.

Term life insurance is purchased to cover a specific time period, usually not more than 20 years. The premium is set when the policy is purchased and does not change for the length of the term. If the insured dies during the term covered by the policy, the beneficiary or beneficiaries receive payment for the amount of the policy. When the term expires, the policy is no longer in force, and the insured person will have to purchase a new policy.

Generally, applicants for term life have to undergo a medical exam to qualify for it.

The advantage of term life policy is that the premium is usually lower than for other life insurance products. The disadvantage is that term insurance does not increase in value over time, so the premium are simply an expense-it does not accrue to the benefit of the insured. One cannot, for instance, borrow against the value of term life insurance.

On the other hand, whole life insurance policies are issued to cover the entire life span of the insured. The premium for a whole life policy will be substantially higher than one for a term life insurance policy of the same value, but the policy does accrue value over time. If s/he needs cash at some future point, the insured can borrow against the value of the policy.

If the borrowed funds are not paid back before the insured’s death, the dollar amount of the loan will be deducted from the face value of the policy and the balance will be paid to the beneficiary or beneficiaries.

Some of those who purchase whole life use it as one tool in their estate-planning arsenal, because the beneficiaries do not pay taxes on life insurance payoffs. If a person has considerable assets and wants to avoid having some of them tied up in probate or subject to estate taxes, whole life can be a useful option in attaining those goals.

Some companies offer term life policy that can be converted to whole life during the covered term. The premium will increase, but the insured is not obliged to take another round of medical tests to qualify for the insurance.

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Change is indeed inevitable. This age old adage holds true to form for musicians who attempt to transition from the song recording to movies. Here is a list of ten recording stars who were not only successful at audio recording, but also for their acting acumen. You can catch the music of all of these stars on internet radio.

Whitney Houston - as young as eleven years of age, Whitney began singing in gospel choir at her New Jersey church. Her self-titled debut album became the best-selling album when it was released, while her second album became the first of her albums to top the US and UK album charts. Her music industry successes have helped to make it easier for other African-American performers to showcase their talents.

Apart from being a great music artist, Whitney also made it to the silver screen, starring in “The Body Guard” with Kevin Costner.

The movie soundtrack single “I Will Always Love You” has been considered as the best selling single in the music industry’s history. On the following year, she continued starring on movies such as “Waiting to Exhale” and “The Preacher’s Wife” which she contributed soundtracks to.

Madonna - she has showcases her skills in the movie industry as well as a recording artist. Her acting roles include movies such as “Dick Tracy” as a temptress, “Four Rooms” as a lustful member and “Swept Away” as a socialite who got herself stranded on a desolate island. Her most successful film was “Evita”, in which she earned a Golden Globe award for her depiction of Eva Peron.

Janet Jackson - at sixteen years old she penned her initial recording contract. Faced with numerous criticisms, she persevered to become a successful recording star. Although she originally appeared on TV series such as “The Jacksons”, “Good Times” and “Fame” she made it to the silver screen starring in the movie “Poetic Justice” followed by “Why Did I Get Married” and “For Colored Girls”. She was versatile enough to do singing and acting more or less at the same time. You can find Janet’s hits on your favorite internet radio station.

Jennifer Lopez - she is probably one of the most talented celebrities combining dancing, singing and acting. Her most successful movies are, “Anaconda” as a director of National Geographic, “Shall We Dance (with Richard Gere as her ballroom dance instructor), and, giving life to “Selena”. She has garnered prominence and recognition from various organizations, most notably, the Golden Globe. She was also listed as the 2007 Guinness Book of World Records’ most powerful actress.

Jon Bon Jovi - some of his movies include “U571″ in which he played the role of an US submarine chief engineer, “Pay It Forward” as the abusive husband of Helen Hunt and as a suspicious teacher in “Cry Wolf”

Ice-T - several of the films in which he played a prominent part are “Tank Girl” as a mutant kangaroo, “New Jack City” as an undercover cop, and “Johnny Mnemonic” as group leader. On TV, he also played a role in “Law and Order: Special Victims Unit” as a police detective, for which he got his nominations and later on won the NAACP Image Award for Outstanding Supporting Actor in a Drama Series.

These are just some of the performers who made their names not just on the airwaves, but also on the silver screen. Other recording artists that we have not discussed have had great success, while others have had rather dubious movie debuts and have faded into obscurity. Certainly, music fans everywhere anticipate future appearances in movies by their favorite recording artists.

To get access to great online music visit us at: internet radio To learn more about the internet and music go to: free online music

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