Comparing Life & Health Insurance Quotes

None of us knows how much time we have left on this planet. The good news is that your chances of living longer have never been better. Most people nowadays are likely to live to around 75 to 80 years of age. The bad news? You can never forecast when you're going to be hit by a bus or succumb to a mystery virus.

So you should always make sure there is sufficient life insurance and cover against your succumbing to a serious illness or losing your livelihood that you can provide for your family.

So you should always make sure there is sufficient life insurance and cover against your succumbing to a serious illness or losing your livelihood that you can provide for your family. Life insurance won't replace you, but it will replace your money-earning capacity.

As well as buying life cover, you can purchase critical illness policies that pay out a lump sum if you have a serious illness, such as a heart attack or cancer, and survive for a month. Some policies also pay if you die during the policy period. The same huge range of prices exists, so never, ever go for the first quote you get.

Some policies, known as permanent health insurances or income protection plans, promise to pay a monthly sum until your normal retirement age if you can't work due to illness or injury. These policies can be expensive, especially for women because insurers think women are ill a lot more often than men.

So how much life insurance should one have?

This will depend upon the factors - your age, the number of dependents you have, your income and your outstanding debts.

People with young families need life insurance more than people in their forties and fifties whose children have left the family home. For a young family, the loss of a parent could mean that the surviving partner must try to maintain the family's standard of living for 18 years or until the youngest child becomes independent. So a realistic level of life insurance cover is a must. For parents in their forties and fifties protection is still important, although cover does not have to be so extensive.

The more dependents you have, the more cover you need. However, insurance bought to cover the cost of bringing up your children should be timed to end when they become self-supporting, usually at 18.

The level of replacement income your partner will need if you die will be an important factor when determining the amount of cover required.

If you die, it is imperative that your surviving partner is not left with a financial millstone such as a large mortgage. Life insurance should clear such debts in the even of your death.

If I take out life insurance, will I need to have a medical?

Not necessarily. You may be asked a few medical questions when you complete the insurer's application form. If the insurer needs further details, it may consult your doctor or ask you to have a medical. If you have suffered from illness in the past or are excessively overweight, your premiums may be increased to reflect the greater risk you represent to the insurance company. In some cases an insurer may refuse cover altogether.

Liza Mathers writes for Seek4finance. Our visitors can apply online for a range of personal finance, solutions including personal loans, mortgages, credit cards, savings, current accounts and insurance. Visit http://www.seek4finance.co.uk today.

Skin care tips

Gamespot Video Games

It's kind of tough to write about a game that hasn't been talked about much, but I'm willing to. Gamespot is a whole lot better than you might think, from they're smooth polygon graphics to its amazing soundtrack, to its GREAT two-player mode!

Keep in mind that the Gamespot review isn't about cheating or anything, and it doesn't give any hints on the one-player mode, either, because everybody knows that the one-player mode is for sissies. However, if you want help on conquering your "friend", then laughing at them, here's where to look. From descriptions of the vehicles, to the strategy bit, this is the ultimate handbook to Gamespot. Check it out and tell me if it helps!

Gamespot Overview

In Gamespot you're given twelve vehicles to defeat the enemy with, four different types: the armored support vehicle, the helicopter, the tank, and the humvee. The object of the game is to basically wreak havoc on the enemy forces until you've found their flag building (it's a special type of building). When you do, you can blow it up so that your jeep can get in later. Make sure that you've cleared a path without any guns firing on you. Send in your humvee and grab the flag by running into it, then dash back to your base. So, basically, Gamespot is Capture The Flag played with heavy-duty military equipment. However, you've also got to worry about your opponent, 'cause they're trying to do the same thing to you.

Gamespot Strategies

The "Waiting Game" is much better than the "Arcade" strategy, but then, I'm more of a wait-then-pummel-kinda guy when it comes to Gamespot myself. The "Waiting Game" is basically about slowly crushing your opponent by wasting all of their vehicles (except their humvees, maybe), and then, when they're weak or if they don't even have their vehicles anymore, you go in casually, knock out all of their defenses, send in the jeep, and steal the flag, taking as much time as you need. My "friend", Graedus, uses the "Arcade" method, and I beat him pretty much every time. Especially on that map, "The Nutcracker". Fun, fun, fun! For those of you who would like to do "Arcade", then go ahead. Both methods of attack are good. Guess it just depends on what kind of person you are.

You can find loads of free game downloads, reviews, demos, players and more at the premier Gamespot website. Gamespot covers SNES, Genesis, Xbox 360, PS3, Wii, GBA, NES games and more.

Free Online Games at GamingBooth

Gaming Booth is a great free online games arcade that offers over 5,000 games. My favorite game is Onslaught 2. Check out the site and see which game is your favorite.