Term Life Insurance To Protect Mortgage

Are you considering term life insurance to protect mortgage loan you have on your home?

Many Americans hope for the day they own their own home. If just may be the single biggest investment of your life. But, it also depends on a steady income to pay your mortgage each month. If something happens to one, or to both income-earners in your family, it may be difficult to pay your mortgage. How would your family get by?

Buying a level term life insurance policy can provide your family with the money they need to make their mortgage payments if you’re no longer alive to support them.

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If you die, your family might not be able to pay the mortgage. With a level term life insurance policy, the death benefit would provide the money necessary for your family to make the mortgage payments, and stay in their home.

There is mortgage protection insurance available, but many people choose term life insurance instead.

Why Should You Choose Term Life Insurance Instead of Mortgage Insurance?

A common approach to providing money to pay off a mortgage in if you die is to buy term life insurance. Term insurance offers you much lower premiums, but the amount of life insurance protection doesn’t decrease over time, as it usually does with mortgage protection insurance. That’s a big benefit for your family.

Which Type of Term Life Insurance to Choose?

The least expensive type of term insurance is decreasing term life insurance. The rates remain the same over time, but the coverage amount decreases in line with your outstanding mortgage. If you only want protection for your mortgage, then decreasing term may be your best option.

Another option is level term life insurance. With level term your rates are guaranteed to remain the same over the policy term, and your death benefit remains the same, so your family has more proceeds available than just being able to pay off your mortgage.

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we’ll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

Servicing Your Air Conditioner Before Summer

If summer arrives as quickly as spring did, we’ll all need our air conditioners soon. Cold air is a modern luxury that many of us don’t want to do without during the hot summer months. Unless we properly maintain our air conditioning units, cool air may be a luxury we go without this summer. Here are four reasons to perform yearly maintenance on your air conditioner.
Efficiency: Time, age, and lack of use during the cold months cause air conditioners to wear down. Air vents and filters become clogged with dust and other debris. The result is a reduced ability for your air conditioner to circulate cold air throughout your house. In many cases, cool air may never reach the rooms in your home that are farthest from the unit.

Energy Costs: If your air conditioner isn’t running at maximum efficiency, you’ll be spending a lot more money this summer. If your Salt Lake City air conditioner is unmaintained, it uses more energy and runs longer than normal in order to cool your house. Added energy use and longer run times are most noticeable when it comes time to pay your electric bill.

Air Quality: In addition to cooling your home, your air conditioner is responsible for circulating air. Without proper maintenance, your air conditioner can’t do this effectively. Poor circulation leads to stagnant air as dust and moisture accumulate. Increased dust buildup occurs when air filtration systems are full or clogged and no longer filter air.

Safety: Poor air quality isn’t the only health concern caused by bad air conditioners. Each year, thousands of U.S. house fires are caused by air conditioners that are in a state of disrepair.

Each of these problems is preventable with a straightforward solution, annual maintenance. Hiring a certified technician to inspect and repair your air conditioner probably isn’t another bill you want to pay. However, yearly maintenance pays for itself in three ways, reduced energy costs, more efficient cooling, and increased air conditioner lifespan. A small investment now leads to big savings later.

It was mentioned in the beginning that summer is right around the corner. Don’t wait until the Salt Lake City summer hits to have your air conditioner inspected. Summer is the busiest time of year for technicians, and that means their availability goes down and their costs go up. Have your air conditioner inspected this spring and ensure that it’s ready to keep your house cool before the summer heat hits.

Racing Awards, Medals and Customized Gear for Runners

Running, whether it be a 5k with the family, a 10k for an extra challenge, or a marathon for the elite runners, can be a very exciting and memorable experience. Running is a very personal sport to lots of people, as it can be great exercise and can make you look and feel very refreshed. Tons of awards are given out to winners at races each year. For people organizing these racing events, finding customized and personal running gear can be difficult, as well as finding unique prizes for running champions. When orchestrating a race, you want to have a memorable competition. Medals and unique prizes can help to make the race more exciting. Participants can keep prizes as souvenirs, and remember the experience better because of a keepsake.
The most important souvenir a competitor can take home is a winning medal. Those are worn with pride, and showed to family members and friends. They are often hung on walls, or shown off where they can be seen. Of course, medals need to be personalized, unique, and specific. You cannot award a running champion with a medal that doesn’t recognize what it’s for. It is often a perfect idea to find a company that will provide you with customized prizes for winners. Often, you can ask for customized medals that include the date, the name of the race, and the name of the company sponsoring and orchestrating the event. That way, when people proudly show their winning medal to others, the people who made the event happen will receive the credit and publicity they deserve.

In addition to medals, running apparel and gear can be a great way to make the race more memorable. Unlike medals, gear is commonly worn and would be used often. Passing out swag, such as customized shirts, jackets, hats, and bags can be a great way to add to the excitement of the race. Races with their own gear are viewed as more unique, as they have customized logos and attractive designs. Shirts can be given out to families, and jackets can be sold at the finish line. Hats can be passed out before the race to keep the sun out of the athlete’s eyes. And, of course, bags can be kept forever and used for multiple occasions. Having the name and date of your race on these items can help to increase publicity and help the runners remember what a successful and memorable race it was. Customizing these mementos can help to define a great race, and will definitely help a race to be more exciting and enjoyable.