5 Mistakes That Can't Claim Life Insurance

5 Mistakes That Can't Claim Life Insurance - Having a life insurance policy is one of the best ways to ensure financial security, be it you, your family to be useful after your death. But if you are not careful, your victims may never get the payouts they deserve.

But do not worry, if your life insurance policy application submission is rejected. Read the following article, to know the information

1. Lying on your life insurance application

They say the truth hurts, but it can hurt even more if you lie on your life insurance application. While it may be tempting to deny that you're a smoker, or that you've been treated for a particular disease or medical condition, you could find your policy null and void.

Life insurance companies consider these factors when setting rates -- or determining whether to ensure you at all.


If your life insurer finds out you lied, it's considered "material misrepresentation," and your application for life insurance will probably be denied.

If the policy has already been issued, there's typically a two-year contestability period. If your insurer finds out during that time that you've lied, the policy may be canceled or you might face higher premiums.

If the lie is particularly egregious, the insurer could deem it fraud, even after the two-year contestability period is up, and the policy could be rescinded.

2. Failing to pay and letting your policy lapse

Just because you miss a payment doesn't mean your policy is dead in the water. Life insurance companies typically offer policyholders a 30-day grace period for payment, and some companies extend that to 60 days. During that time your policy will still be in effect.

Even after the grace period is up, you usually can get your term policy reinstated, but if the lapse has been long you may need to undergo another medical examination.

If you have a permanent life insurance policy, the insurer might use the cash value in the policy to cover the premiums and prevent a lapse in coverage. 


The important thing to remember is if your policy lapses and is not in force when you die, your beneficiaries are out of luck.

3. Failing to tell loved ones about your life insurance policy

If you never tell your beneficiaries about your life insurance policy, it doesn't mean the insurer won't pay them after your death, but it does make it a more difficult process. While most life insurance companies conduct database checks for the death of policyholders so beneficiaries will get paid, not all of the insurers do so in a timely manner. That's why it's wise to be sure your loved ones know about your policy and where to find it after you're gone.

In some cases, beneficiaries are unaware they are named on a policy, and proceeds go uncollected for years because some insurers are not diligent about tracking down survivors of policyholders. Several large life insurance companies have entered into settlements with states to improve their practices. Legislators are also addressing the issue, with several, including Maryland, New Mexico, and New York, among others, passing laws that outline the steps companies are required to take to find people owed benefits.

4. Not naming a secondary and final beneficiary

It is important to name secondary and final beneficiaries. If your primary beneficiary dies before you, policy proceeds will go to the second beneficiary you have listed. If the secondary beneficiary has passed away when you die, then the death benefit goes to the final beneficiary.

If you don't have anyone waiting in the wings, it doesn't mean the money disappears. In that case, the proceeds will go to your estate. However, if the estate is subject to probate, your survivors may have to wait a long time to get the death benefit.

5. In some cases, death due to risky behavior and suicide

Life insurance policies typically have a two-year exclusionary period for suicide, so your beneficiary typically would receive whatever you paid in premiums, but not the policy's face amount. So-called "suicide clauses" vary by insurer and are designed to discourage people from buying life insurance when contemplating suicide.

If you're involved in criminal activity, and you're killed while committing a crime, your beneficiary will still receive the proceeds from your policy.

However, if you don't disclose to your insurer when you apply for a policy that you have a high-risk hobby, such as sky-diving or auto racing, and you die while doing it, your insurer may decline the claim.

6 Ways to Be the Best Girlfriend He Has

6 Ways to Be the Best Girlfriend He Has - It's not unusual for women to be the best girlfriend ever. After we see it in every movie. You are the best or the worst, no problem. Being the best for our partner, it must be with sacrifice and understanding. Lots, the relationship is too fast and not get married. For you who want to improve your relationship, with him. We recommend referring to the following article:

1. Be Direct

No one really wants to walk around on eggshells around a passive-aggressive girlfriend, so just stop it. Tell him what’s wrong and what’s bothering you right away. You’ll be surprised how easy it is to resolve problems when he doesn’t have to resort to ancient magic and mind reading. That stuff is hard for men, they’re not versed in ancient scripts, give him a break.

2. Appreciate The Little Things

Don’t take little gifts and flowers for granted. Yes, I know you’re a princess and you deserve to be worshipped every day. He probably knows it too. But we live in a modern world, so he can’t really sing serenades under your balcony or show up on a white horse at your door every day. So take his meager offerings for what they are, a little token of love and attention. He’s doing his best.

3. Let Him Breathe

Your advice is the best and you always know the best way to do everything. You’re also fun to be around and your beauty shines on people around you making their day better. In fact, people should be thankful you even chose to spend time with them. But sometimes people get the sunburn just from looking at you. So give him his alone time, so he can recuperate and experience how awful life is when you’re not there all the time.

4. Be Independent

Remember you’re a strong independent woman who doesn’t need a man, so behave like one. Don’t dedicate all of your precious time to your boyfriend. You have hobbies and friends and family and work, those things require your time and presence too. Tend to that. Also, SPAs are a thing, and they’re way more fun with girlfriends than with those icky boys.

5. Look Fierce

Don’t waste your best years hanging around in sweatpants and with a messy bun, chewing on a piece of pizza. Showcase your best features and slay the day. I’m not saying you should be wearing stilettos and ball gowns every day, unless you want to, but girl, you gotta look cute while you can. It’ll only get harder with time, so look fierce while it’s easy.

6. Let Him Be Your Prince

I’m aware that you’re perfectly capable of taking care of yourself. You can carry that mega heavy bag of groceries, and you have no trouble pushing that sofa to the other side of the room. Don’t even get me started on how easy it is to open doors for yourself. But how you do expect your peasant boyfriend to act like a Prince Charming if you don’t let him? Let him do these things for you, let him be the manly man and let him know how happy he makes you.

5 Breakfast That Will Make Your Morning Simple

5 Breakfast That Will Make Your Morning Simple - Welcome back,Everyone knows breakfast is the most important meal of the day. If you skip it, you’re more likely to overeat during lunch or dinner. And nobody wants that, right?.

Breakfast is also the best time of the day to treat yourself because you still have the whole day ahead of you, and you’ll get a chance to burn off those calories. However, few of us have the time or the desire to make something elaborate for breakfast.

So here’s a handy list of three-ingredient breakfast that is quick and yummy and requires the minimal amount of effort to prepare.

1. Monday Pancakes


Ingredients: 1,5 cups of almond flour, 3 eggs, 1 ripe banana (and a teaspoon of baking powder if you want them to be fluffy)
Did you know you only need 3 ingredients for pancakes? Well, ok, maybe 4 if you want them to be really fluffy. But that’s it. And making them is so easy. You just blend everything together and fry ‘em up. You can eat them with any toppings you like, but we suggest strawberries and some almond butter.

2. Tuesday Chia Pudding


Ingredients: ¼ cup of chia seeds, plant milk of choice, honey to taste (some optional toppings)
Chia pudding is a great option for a quick breakfast. It’s full of healthy omega 3 fats, fiber and it’s great for those who have problems with bloating. Just mix everything in a glass the night before and in the morning you’ll have a delicious breakfast that you can top with fruits and berries if you want.

3. Wednesday Bagels


Ingredients: bagel, cream cheese, any topping
This one is pretty self-explanatory. Just put all the things on the bagel. You can mix and match a lot here. Cream cheese and strawberries is a good combo, but so is cream cheese and salmon. You can also go for avocado and egg, or avo and some tabasco. So many options!
Pro tip: toast the bagel first. It’s way tastier that way.

4. Thursday Eggs And Bacon Cups


Ingredients: eggs, bacon, spices
You might think to make eggs and bacon don’t really take that long, and you’re right. Just a couple of minutes and your breakfast is ready. But if you’d rather spent those minutes putting on makeup instead of hovering over the skillet – try making eggs and bacon cups in the oven.

5. Friday Avocado Toast



Ingredients: bread, avocado, spices (eggs are optional)
I mean, there’s a reason this was the most popular breakfast in 2017, and we’re pretty sure it’s here to stay. Avocado toast is such a classic. And it’s so easy to make. You can just spread the avocado on toast and put some salt or hot sauce on top. Or you can go the extra mile and have an egg with it too.

8 Tips To Buying a New Car

8 Tips To Buying a New Car - Welcome back to lifestyle do more, this time we will discuss 8 Tips To Buying a New Car. Having a new car, it will be fun. But we should consider the benefits first, is that true?

1. Research Vehicles and Features

Not sure what car you want? Car-making sites are useful for viewing more photos and learning more about features and options on cars. Once you have a short list, it's time to find out how you will pay for the car.

2. Get Preapproved for a Loan

A preapproved car loan starts you on the right foot. You get an idea of how much you can afford, and you'll have an interest rate that you can then compare to the dealership's financing, which might actually have the lowest annual percentage rate. Look for a loan application on the mobile web pages of your bank, credit union or other lenders such as Capital One or Nationwide. It's a good idea to do your own research on which lender works best for you.

As you plan your financing, Lifestyle do more recommend a loan term that's no longer than 60 months. We also recommend combining a 10 percent down payment with gap insurance or new-car replacement coverage. That lets you keep more money in your pocket without the risk of being underwater on your car loan.

To begin the loan approval process, have at hand your employer and salary information and balances of other debt you may have. Make sure you will be ready to shop within about two weeks of seeking pre-approval. This will reduce the number of "hard" inquiries to your credit history.

3. Plan Your Trade-In

You can skip this step if you do not have a trade-in. If you do, keep reading.

It's important to get your trade-in value before you go to the dealer. This will help set your expectations for what a car is worth and give you a reference point for each offer you'll receive. Most cars are categorized as "clean" or "fair". Very few cars are "amazing," no matter how many owners take care of them.

When you finish assessing, you will see three numbers. The trade-in value is what the dealer has to offer you - it's a number to keep in mind when you're at a dealer. The value of private parties is what you might expect if you sell your own car. Retail dealers are a little different: This is what you expect to pay for a car if you buy it at a dealer.

There is an alternative to trading in cars or selling it yourself: Have used car retailers, CarMax, rate cars and offer you deals. This offer is good for seven days, at which point you can ask the dealer to beat that price or you can sell your car to CarMax.

4. Locate and Test-Drive the Car

Now, you have assigned several car candidates. You should see it in person before making a decision. Hundreds of dealers across the country are registering their car inventory, and in many cases, you can sort by color, trim level and features. This is a better way to shop than to set up a car on a car maker's website and hope you'll find one with a series of real-world options. All the lists you find on the page are original cars with various options. Most will have a locked price that should be comparable to what others paid.

If you found the vehicle on another site, call the dealership's internet sales department to request more information. In either case, keep these do's and don'ts in mind:

To verify that the car you want is still in stock. It might have been sold recently, and online inventories can take a while to catch up.

Do ask the salesperson if there are any dealer-installed options. Many new vehicles are sold with add-ons such as nitrogen in the tires, all-weather floor mats or theft protection packages. These can easily add $1,000 to the sale price.

Don't just show up at the dealer on a busy weekend or late at night. Waits may be long and you may not get the salesperson's full attention.

To schedule an appointment for a test drive. Early in the week and in the morning are good times. Having an appointment means the car will be waiting for you when you arrive.

Don't just drive around the block. Take the time to see how you and your family fit in the car and see how it handles on a variety of roads.

Do ask yourself the following questions: Are the controls easy to use? Is there enough cargo space? Will a child seat fit? (Bring it with you and test it.)
Don't feel obligated to buy the car the same day. Feel free to take a night to think it over.

5. Check Sale Price and Warranties

Once you have a target car, it's time to focus on getting a price. We recommend using one of these two ways to get a price quote on a car:

• Call, text or email the internet sales department of three dealerships that have the car you want. Ask each for the total selling price, including any additional accessories that may have already been installed on the car. The best price will be obvious. You also can take that quote and ask the other dealerships to beat it. If you plan on leasing, this is the way to go.


• You can save time and trouble by using Edmunds to get a locked-in price that's designed to be comparable to the average price that others are paying in your area. Make sure you ask the salesperson to email or text you a breakdown of the "out-the-door price," with all the taxes and fees factored in. That lets you see the total amount you'll be spending.

You also should ask for a preview of products the dealership plans to offer you after you buy a car — such as paint protection, an extended warranty and possibly a prepaid maintenance plan. Usually, you won't hear about these extras until much later in the shopping process, but we suggest you get some information now to relieve pressure later.

Here's how you do it: Call the dealership finance manager and ask about these products and services. They may be of value to you, but just know that the price is often negotiable and you don't have to buy them when you buy the car unless you intend to hold their price into the purchase contract.

6. Review the Deal and Dealer Financing

It's important to keep in mind that an average price paid is exactly that. Some people have paid more and others paid less. Some shoppers are only happy if they grind their way to a rock-bottom price. But for most shoppers, that usually isn't worth the hassle and frustration. If your price quote is above the average, it's not necessarily reasoning to walk away from a deal. Here's why:

A car's price isn't the only factor that determines a good car deal. You also should look at the interest rate, the loan term and the value of your trade-in, if that's part of your deal. There are even some intangibles, such as how the salesperson and the dealership treat you and the time you save in the shopping process. Those are all factors in a good deal. In fact, at this point in the process, you may be able to improve parts of it.

In Step 2, you got preapproved for financing. Now that you're close to purchasing, there's a chance that you can get a better interest rate at the dealership.

To see if that's possible, let the dealership run a credit report and assess your interest rate. Or, if you know your credit score, tell the finance manager what it is and the rate for which you'd qualify. You can give your information to the finance manager over the phone. Some dealerships have credit applications on their websites and you can fill one out. If the interest rate is lower than the one in your pre-approved loan, go for it. If not, you already have a good loan locked in.

7. Close the Deal

If the price, financing, and fees look right, it's time to say yes to the deal. From here, you can proceed in one of two ways: Buy at the dealership or have the car and paperwork delivered to your home.

Most people tend to wrap up the sale at the dealership. Once you've agreed on a price, the salesperson will take you to the finance and insurance office. Here, you'll sign the contract and purchase any of the additional products we discussed earlier, such as an extended warranty.

The alternative is to make the sale contingent on having your new car delivered to your home or office. This is a great time-saver and allows you to close the deal in a relaxed environment.

Wherever you finalize the deal, review the contract carefully and make sure the numbers match the out-the-door breakdown. Be sure there are no additional charges or fees. A good finance manager will explain each form and what it means. Don't hurry. Buying a car is a serious commitment. And remember: There is no cooling-off period. Once you sign the contract, the car is yours.

8. Take Delivery

Whether you take delivery of your car at the dealership or at your home, it should be clean. The gas tank should be full. Give the car a final walk-around, checking for any dents or scratches that might have occurred during transport.

Finally, let the salesperson give you a tour of your new car. The rundown should include showing you how to pair your smartphone via Bluetooth and demonstrating other important features and safety devices. All of this information is in the owner's manual, but let's face it, very few people ever read the manual, which can be hundreds of pages long. If you don't have time for a complete demonstration when you sign the contract, set up an appointment a week or so later. With the amount of technology that comes in most new cars, that walk-through is important and very useful. You'll learn tricks and shortcuts you might not find on your own.

And now there is only one more thing to do: Enjoy your new car.

How Millennials Approach Relationships Differently Than Older Generations

How Millennials Approach Relationships Differently Than Older Generations - How Millennials Approach Relationships Differently Than Older Generations - The way that millennials date compared to their parents and grandparents has massive differences. First of all, they don’t even call it dating anymore. There’s a boatload of vernacular for the different stages of relationships and the priorities are different today then they were 20 or 30 years ago. Here are the biggest ways the millennials approach relationships in a less conventional way.

1. They don’t believe in the fairy tale romances. They accept things realistically and keep expectations low to protect themselves from heartbreak since that tragedy is the norm in 2018 with ghosting and all the rest!

2. On another note, they don’t expect that the person they’ve been with for less than a year is going to be their one and only soulmate or the person they’ve married. Unlike past generations, marriage isn’t the ultimate goal for millennials.

3. We’re in the era of Netflix and chill. It’s ok to just hook up with someone and see where it goes. That used to mean that women allowed themselves to be doormats and use sex to keep a man interested, but now it means that a woman is free to express herself sexually however she wants.

4. That’s because millennials have less defined and even sometimes reversed gender roles, where older generations don’t. Women commonly initiate and encourage casual sex nowadays with icons like Amber Rose letting us know its ok to be sexual without the wishful thinking. Unattached females, unite!

5. Relationships don’t normally come about by two attractive strangers locking eyes in the middle of a busy NYC street, as the old’ meet-cute story used to go. Most millennial relationships are formed on apps like Tinder and Bumble nowadays.

6. But bringing technology into dating also means that people can’t communicate as well or be on the same page anymore. Ambiguous texting and e-communication can lead to a lot of misunderstandings and miscommunication, from cat-fishing to unaligned expectations.

7. Dating with technology has also brought about ghosting, which is the not so trendy trend of just totally disappearing and going AWOL after you’ve hung out. It’s disrespectful and older generations’ jaws would drop if anyone ever did that to them.

8. Nowadays, we talk about everything with our friends. While men have always had locker room talk, in 2018 women talk to their friends about every sexual detail in a judgment-free zone, whereas older generations may have had more stigma or a “behind closed doors” attitude where they don’t kiss and tell.

9. The age of non-monogamy and polyamory are emerging and becoming much less taboo. People are understanding half of marriages end in divorce and maybe temptation has to do with that. The idea of only being invested in and able to love one person is no more.

10. Millennials are having kids much later in life, whereas it was the norm for women in their late teens and 20s to start a family, whereas now financial responsibilities and career are priorities, with women commonly giving birth in their late 30s and 40s instead.

10 Tips For Creating Long lasting Relationships

10 Tips For Creating Long lasting Relationships - Welcome back, Why are relationships so complicated? Because they involve pairs of complicated people who have their own complicated thought processes and complicated emotions and complicated complications. Most people would have no idea what that previous sentence means, but fortunately, our incredibly intelligent Her Beauty readers understand everything, including what it takes to make a relationship last for the rest of your life.

1. Understand That it is Okay to Agree to Disagree

When you’re in a relationship, disagreements are bound to happen when you have completely different point-of-views on things. It could be related to religion or even whether or not it is okay to eat meat. But you must recognize that there are situations in which you will never change your partner’s mind and that’s okay!

2. Focus on Trust and Forgiveness

It goes without saying that in order for a relationship to last forever, you can’t allow yourself to believe the other person is not worthy of your trust. The constant feeling that they must be up to something will only sow the seeds of mutual resentment. Along the same lines, when your partner hurts your feelings, you should communicate this and forgive them.

3. Don’t Hide Who You Are

Honesty and openness are essential if you want a lifelong relationship. Your partner should know your strengths and weaknesses, goals and fears (and vice versa). These are the things that will make you feel closer to each other. If you remain a mystery to them, they will eventually grow tired of trying to guess who you are and the relationship is going to be doomed.

4. Realize That It Isn’t Selfish to Look Out For Your Interests

A lot of times, when couples get into a relationship, one of them wants to play the role of the people pleaser. As a result, they won’t say “no” to going to a baseball game even if they find it boring. Or they will keep agreeing to get dinner at that mediocre Italian restaurant. While life is occasionally about doing things you don’t want to, there are times when you should stand up for yourself. A lifelong partner would understand and respect this.

5. Be Willing To Discuss Both What’s Good and What’s Wrong

The foundation of a relationship that lasts forever starts with appreciating the good aspects while not ignoring the things that are creating tensions. You might be hesitant to rock the boat, but the truth is that pretending like everything is okay when it clearly isn’t will eventually become too much for either of you to handle.

6. Don’t Keep Bringing Up Old Conflicts

Remember 2 years ago when you traveled to Rome together and he/she acted like a jerk one of those days and it totally ruined the entire trip? Couples in lifelong relationships don’t try to open old wounds by mentioning negative things that happened in the past. Bating a partner is unproductive and will ensure that the relationship won’t last.

7. Don’t View Your Partner’s Mistakes as Personal Flaws

Nobody is perfect. Sometimes we show up late to things or we leave the cake in the oven too long. But instead of pointing out all of these things and trying to make your partner feel guilty or inadequate, try to find a positive way to spin these problems. For instance, encouragement instead of criticizing, and work on solving time management issues together. By working as a team, the relationship will remain a happy one.

8. Love Your Partner Even When You’re In a Bad Mood

If you’re having a bad day, never take it out on your partner. Find a way to deal with your frustrations before you see him or her again. Or better yet, use their emotional support to help you overcome whatever happened that caused the bad mood. It is also important to note that if your partner is the one who caused the bad mood, do not give them the cold shoulder or swat away their hand when they are reaching for yours. In lifelong relationships, the love is there no matter what.

9. Make Affection a Daily Routine

No matter how long you’ve been with your partner, never turn it into an “old couple” relationship. Find time to compliment him/her every day. Hold hands where ever you go. Hug and kiss randomly. Dress up and go out on dates even if you’re married or headed that way! As long as the affection is there, there will always be that spark. This is what allows relationships to last forever.

10. Be Best Friends

Of course, this had to make the list. A romantic partner who is meant to be with you forever should also be the person who you would want to hang out with if given a choice. Do all of the things that you would do with a best friend: watch movies on the sofa on a Saturday afternoon, be playful, appreciate how much sense you make of each other.

Chevrolet Tahoe Custom Midnight offers stealthy off road style

Chevrolet Tahoe Custom Midnight offers stealthy off-road style - Chevrolet has unveiled a new edition of the popular Tahoe SUV. The new version is called the Tahoe Custom Midnight Edition and is all black on the outside with off-road-inspired style. The Midnight Edition is based on the LS trim Tahoe and features black 18-inch wheels.

The vehicle has Goodyear Wrangler DuraTrac tires, a black grille, off-road assist steps, and black bowtie emblems. The Tahoe Custom Midnight Edition ditches the third-row seats for more cargo room. Minus that third row, the Tahoe has 54 cubic feet of cargo room.

Other features of the Tahoe Custom Midnight include Apple CarPlay and Android Auto. A 4G LTE WiFi hotspot is fitted and the radio has an 8-inch color touchscreen. Chevy fits the vehicle with a standard rear vision camera, standard remote start, and standard teen driver mode.

Buyers can opt for an available Enhanced Driver Alert Package with Forward Collision Alert, Safety Alert Seat for the driver, IntelliBeam headlamps with automatic high-beam control, Lane Keep Assist with Lane Departure Warning and Low-Speed Forward Automatic Braking. Tahoe offers up to five USB ports and five power outlets including a 110V three-prong outline like you find at home.

The special edition starts at $45,995 including the $1,295 destination fee. Tahoe Custom Midnight can tow 6,600 pounds and has a 5.3L V8 engine good for 23mpg on the highway. A 4WD version is available.