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Any conversion to a whole life insurance product goes through the same application as a new life insurance policy. Simplified Term Life Insurance: Enjoy quick and easy application (no medical exam life insurance) and approval (subject to health history) with this no-nonsense option. Whole Life Insurance: A whole life policy delivers life insurance coverage for an individual's entire life. A licensed life insurance agent is always the best resource for purchasing an appropriate life insurance plan. Seeing the limits on American Family life insurance policies, you might buy multiple life policies.

☆ Supreme Court keeps Trump-era immigration policy in place, with Trump-appointed Justice Neil Gorsuch dissenting: 'We are a court of law, not policymakers of last resort'
▼ + stars: | 2022-12-27 | by ( Oma Seddiq | ) www.businessinsider.com time to read: +2 min

SCOTUS on Tuesday kept a controversial immigration policy implemented under former President Donald Trump in place. The policy enables the United States to quickly expel asylum seekers at the border on the basis of public health concerns. "We are a court of law, not policymakers of last resort," conservative Justice Neil Gorsuch wrote. The justices voted 5-4 to grant the Republican-led states' request, with conservative Justice Neil Gorsuch joining the three liberal members in voting against the plea. The policy enables the United States to quickly expel asylum seekers at the border on the basis of public health concerns.

The Title 42 order was first implemented in March 2020 under Republican former President Donald Trump at the beginning of the COVID-19 pandemic. Close to half of those arrested were rapidly expelled under the Title 42 policy. In that case, U.S. District Judge Emmet Sullivan in Washington, D.C., sided with the migrants on Nov. 15 and ruled Title 42 was unlawful. He said the government also failed to weigh the harm asylum seekers would face from the Title 42 order. When a federal appeals court on Dec. 16 declined to allow them to intervene and put Sullivan's order on hold, they took the matter to the Supreme Court.

☆ 'A lone Trump-appointed judge in Texas' should not have the ability to block student-loan forgiveness for millions of Americans, says a Democratic lawmaker introducing a bill to stop it from happening
▼ + stars: | 2022-12-27 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

His new bill would channel that authority to D.C. courts and the Supreme Court only. "Although the Biden administration has appealed this ruling, its long-overdue student debt relief program will now, at a minimum, be stalled for many months," Jones wrote. Two federal courts have so far succeeded in blocking Biden's plan to cancel up to $20,000 in student debt for federal borrowers. Some Republican lawmakers have lauded those rulings because they have consistently argued Biden does not have the authority to cancel student debt broadly without Congressional approval. Now, the fate of this debt relief rests with the Supreme Court as it will begin to hear arguments on February 28 as to whether Biden can move forward with the loan forgiveness.

Guaranteed Whole Life Insurance: As you might expect, the Guaranteed Whole Life Insurance product from Mutual of Omaha comes with guaranteed coverage with no medical exams or health-related questions. Indexed universal life insurance: Another type of permanent life insurance, these flexible policies carry lifelong coverage but few guarantees. While Mutual of Omaha's term life insurance rates are average, its Guaranteed Whole Life Insurance (the company's only whole-life option) is one of the industry's cheapest insurance plans. Insider's Featured Life Insurance Companies Lemonade Life InsuranceNationwide Life InsuranceGuardian Life Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Experienced life insurance agents can run quotes and advise you on premiums, life insurance loans, accelerated death benefits, and more.

☆ Indian shares dip on weak global cues; autos, FMCG stocks slide
▼ + stars: | 2022-12-20 | by ( ) www.reuters.com time to read: +1 min

BENGALURU, Dec 20 (Reuters) - Indian shares opened lower on Tuesday on fears of a recession in the U.S. and a surge in COVID-19 cases in China, which has offset optimism over loosening strict pandemic restrictions. Barring Adani Enterprises (ADEL.NS) and State Bank of India (SBI.NS), all the other 48 constituents in Nifty 50 logged losses. All the major sectoral indices declined with auto (.NIFTYAUTO), FMCG (.NIFTYFMCG), information technology (.NIFTYIT) and metal (.NIFTYMET) stocks shedding over 0.5%. Asian markets declined on weak cues, such as a surge in new COVID-19 infections in China and weak macroeconomic indicators, with MSCI Asia ex Japan (.MIAPJ0000PUS) falling 0.54%. ($1 = 82.7200 Indian rupees)Reporting by Bharath Rajeswaran in Bengaluru; Editing by Janane VenkatramanOur Standards: The Thomson Reuters Trust Principles.

The aim is to shield European households and businesses from the kind of gas price spikes experienced since Russia's invasion of Ukraine. WHY CAP GAS PRICES? Gas prices have eased in recent months as the EU agreed some emergency measures, including obligations to fill gas storage, but they remain high. The EU price cap would not drop below 180 eur/MWh, even if the LNG price fell to far lower levels. The EU price cap is designed to be a temporary fix that would apply for one year.

☆ EU countries agree gas price cap after weeks of talks
▼ + stars: | 2022-12-19 | by ( Kate Abnett | ) www.reuters.com time to read: +1 min

BRUSSELS, Dec 19 (Reuters) - European Union nations' energy ministers have agreed a gas price cap, a spokesperson for the Czech Republic said on Twitter on Monday. The deal follows weeks of talks on the emergency measure that has split opinion across the bloc as it seeks to tame the energy crisis. According to officials and a document seen by Reuters, European Union countries' energy ministers agreed that the cap on gas prices would be triggered when benchmark gas prices spike to 180 euros per megawatt hour. The EU gas price cap would kick in if prices on the front-month Dutch Title Transfer Facility gas hub contract exceed 180 eur/MWh for three days, the document detailling EU ministers' agreement showed. Three EU officials said that Germany - which had been sceptical about the price cap - had voted to support a European Union deal on a gas price cap on Monday, despite having raised concerns about the policy's impact on Europe's ability to attract gas supplies in price-competitive global markets.

☆ 5 surprising things your homeowners insurance covers
▼ + stars: | 2022-12-18 | by ( Jason Stauffer | Benji Stawski | ) www.cnbc.com time to read: +11 min

A home is the biggest purchase most people make in a lifetime, and homeowners insurance is essential for protecting your biggest asset. Homeowners insurance covers the cost of fixing or replacing your home when it is damaged by a covered event, such as a fire, or certain types of bad weather. It's important to do a detailed review of your homeowners insurance policy to understand exactly what is and isn't covered. But finding the right homeowners insurance for you isn't as simple as locking in the lowest monthly premium. To file a homeowners insurance claim, you'll want to notify your insurance company as soon as possible after the event.

☆ 'There may be a false sense of security.' How to know if your workplace disability insurance is enough
▼ + stars: | 2022-12-15 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

If you've opted into your company's group disability insurance plan, you may assume there's sufficient income protection if you can't work due to illness or injury. But experts say your workplace coverage may not be enough. John Ryan, founder and CEO of Ryan Insurance Strategy Consultants, urges employees to embrace group disability insurance, but warns "there can be a false sense of security with the employer plan." For employees, group disability insurance offers guaranteed coverage at low or no cost, but you need to know what's "under the hood," he said, speaking at the Financial Planning Association's annual conference in Seattle on Wednesday. There are two types of group disability insurance: short-term, which pays a temporary benefit, and long-term, which lasts for an extended period of time.

Term life insurance is sold for a specific period of time, such as 20 or 30 years. Ultimately, my wife and I chose to purchase term life insurance policies from American General Life Insurance. Insider's Featured Life Insurance Companies Lemonade Life InsuranceNationwide Life InsuranceGuardian Life Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. The younger and healthier you are, the less expensive a term life insurance policy will be. Until I wrote this article, I rarely gave our life insurance policies a second thought.

☆ JPMorgan double-downgrades Qorvo, says chipmaker could lag competitors
▼ + stars: | 2022-11-03 | by ( Alex Harring | ) www.cnbc.com time to read: +2 min

Semiconductor maker Qorvo could struggle relative to other names in the space, JPMorgan warned Thursday. Analyst Harlan Sur downgraded the stock to underweight from overweight. He also slashed his price target on Qorvo to $90 from $125. Sur said the company will specifically struggle in the near- and mid-term due to global macro headwinds. The company also faces inventory challenges, Sur noted.

☆ Equity markets rally after Fed hikes another 75 points
▼ + stars: | 2022-11-02 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailEquity markets rally after Fed hikes another 75 pointsCNBC's expert panel joins 'Power Lunch' to offer its reactions to the Fed's latest monetary policy decision to raise rates an additional 75 basis points, the policy's impact on Fed fund futures and the equity market response to Fed comments about cumulative tightening of monetary policy.

☆ Watch CNBC's full discussion on the Fed's latest rate hike
▼ + stars: | 2022-11-02 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailWatch CNBC's full discussion on the Fed's latest rate hikeCNBC's expert panel joins 'Power Lunch' to offer their reactions to the Fed's latest monetary policy decision to raise interest rates another 75 basis points, the policy's impact on Fed fund futures and the equity market response to Fed comments about cumulative tightening of monetary policy.

☆ U.S. Supreme Court's Barrett declines to block Biden student loan relief
▼ + stars: | 2022-10-20 | by ( Andrew Chung | ) www.reuters.com time to read: 1 min

Oct 20 (Reuters) - U.S. Supreme Court Justice Amy Coney Barrett on Thursday declined to block President Joe Biden's plan to cancel billions of dollars in student debt in a challenge to the policy's legality by a Wisconsin taxpayers organization represented by a conservative legal group. Barrett, in a brief order, denied an emergency request to put on hold the debt forgiveness plan announced by Biden in August in the challenge brought by the Brown County Taxpayers Association. A lower court threw out the group's lawsuit for lacking the necessary legal standing to sue because it could not show that it was personally harmed by the loan relief. Register now for FREE unlimited access to Reuters.com RegisterReporting by Andrew Chung in New York; Editing by Will DunhamOur Standards: The Thomson Reuters Trust Principles.

☆ China's Xi to open 20th Communist Party Congress
▼ + stars: | 2022-10-15 | by ( ) www.reuters.com time to read: +3 min

Visitors walk past a screen showing Chinese President Xi Jinping at the Museum of the Communist Party of China in Beijing, China October 13, 2022. REUTERS/Florence LoBEIJING, Oct 16 (Reuters) - Chinese President Xi Jinping is to open the 20th Communist Party Congress on Sunday, a week-long event where he is widely expected to win a third leadership term and cement his place as the country's most powerful ruler since Mao Zedong. REVOLUTIONARY'S SONThe son of a Communist Party revolutionary, Xi has reinvigorated a party that had grown deeply corrupt and increasingly irrelevant, expanding its presence across all aspects of China, with Xi officially its "core". The twice-a-decade congress is expected to reconfirm Xi as party general secretary, China's most powerful post, as well as chairman of the Central Military Commission. The day after the congress ends on Saturday, Xi is expected to introduce his new Politburo Standing Committee, a seven-person leadership team.

☆ Biden's Education Department will test the application for student-loan forgiveness with 'members of the general public' before it officially goes live
▼ + stars: | 2022-10-10 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +3 min

The Education Department is testing its student-loan forgiveness application with some members of the general public. It also affirmed it will not cancel any student debt before October 23. This new information comes in a legal filing defending debt relief from GOP-led lawsuits. The Education Department said that while around 8 million borrowers would automatically be eligible for debt relief, the majority would have to apply through an application that was set to become available in early October. The Education Department has affirmed that the process will be "smooth and simple," and borrowers will not need to upload any documents to verify their incomes.

☆ Actually, permanent daylight-saving time is a terrible idea
▼ + stars: | 2022-03-16 | by ( Josh Barro | ) www.businessinsider.com time to read: +6 min

Marco Rubio leads a group of senators who want to impose daylight-saving time all year. It's almost that time again: On Sunday, we will turn the clocks forward one hour due to the arrival of spring. This leaves daylight hours available after school and work to the extent that is possible at a time of year based on the earth's axial tilt. Normal people find daylight hours after work more useful than daylight hours before work. Coordinating a schedule shift to harness the benefit of those July daylight hours would be just as challenging as coordinating one to stop school from starting in darkness in December under permanent daylight saving.

Life insurance premiums are generally not tax-deductible. Are life insurance premiums tax-deductible? The IRS considers life insurance premiums a personal expense that is not tax-deductible. Insider's Featured Life Insurance Companies Lemonade Life InsuranceNationwide Life InsuranceGuardian Life Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Life insurance payouts aren't taxable, with a few exceptionsEven if you can't write off premiums you pay on your life insurance, if you are the beneficiary of a life insurance policy, you do not pay taxes on the death benefit.

You should also get disability insurance if you work in a high-risk profession, and if you are self-employed or a contractor. This is something that many people fail to recognize, much less protect against the loss of with a disability insurance policy. You should shop around and consider purchasing a private long-term disability insurance policy. a surgeon and their hands), then disability insurance should be high on your priority list as well. Remember to account for mental wear-and-tear, too; a big mistake people make is assuming that disability insurance is only for physical issues.

You don't pay for a life insurance medical exam, and policies may be much more expensive without them. If you are considering new life insurance, here's what you should know about the life insurance medical exam. Insider's Featured Life Insurance Companies Lemonade Life InsuranceNationwide Life InsuranceGuardian Life Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Your medical exam can save you moneyA small, growing group of insurers is willing to issue life insurance policies to healthy people without a medical exam. The cost of life insurance tends to go up with age, so don't delay if you plan to sign up for life insurance in the future.

A declaration page — or dec page — is the page of your auto policy that lays out your coverages and how much you're paying for them. By understanding your dec page line by line, you can confidently comparison shop insurance products. To do this, I had to familiarize myself with the first page of my policy — often referred to as a declaration, or dec, page. Brynne ConroyOn this particular policy, my dec page turned into dec pages, continuing onto page two. Now that you know how to read a dec page, you can do the same.

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