According to my favorite online reference, wikipedia.org, there are several types of life insurance. I never thought that there are different types until I read an article from that site. So here are the different types of life insurance. Permanent, Whole Life Coverage, Universal Life Coverage, Limited Pay, Endowments, Accidental Deaths and Term Life Insurance, which I will be discussing in this article.
Term Life Insurance or term assurance is a type of life insurance that provides coverage for a specified term of years for a specified premium. Meaning a policy holder is insured for a specific period only. Let’s say you buy a term life insurance for two years then you are only insured for two years. Since this type of insurance is only for deaths and nothing else, if your death occurs beyond the specified term in your contract, then your beneficiaries will not get any pay or benefits from the insurance company. So what are the things to be considered in getting this type of life insurance? It would be the face amount (protection or death benefit), premium to be paid (cost to the insured), and length of coverage (term).
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Although I was pretty excited that finally after 5, 6 years I will be meeting a friend whom I have never met in person ever, I was also worried about it. Excited because I wanted to know if we will remain friends after we met in person. Worried because she planned to come to Cebu during the Sinulog Celebration. So if her plan pushed through, I wasn’t sure if I can accomodate her and give her a tour around Cebu since I have work that day. And so I was relieved that she decided to move the their trip to March 7th. Whopeee… March 7th is a Monday, my rest day!
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What is a tankless water heater? A tankless water heater also called as Instantaneous or Demand Water Heater is a type of water heater that provides hot water only when it is needed. Tankless water heaters are more practical if you will compare it to the traditional water heaters in terms of energy conservation for it will only start heating water once you turn a hot water tap while traditional water heaters will continure to heat and store hot water in a tank even if there was no demand for hot water as long as it detects that the storage tank is not full. Traditional water heaters will also continue to consume energy to keep the stored hot which if you will come to think of it is a loss of money.
I hope that this will be of help to those who are planning to get a water heater. And oh, before I forget, in buying a water heater, one needs to consider the location where you will be placing your water heater, the size which should be based on the demand of hot water, it’s application and what kind of heating fuel or energy source that you want to use.
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Wow, it has been 11 days since my last post. Tsk! The effect of losing internet connection. It’s so hard to not have internet connection at home. I even closed my laptop for now since there’s no use of opening it since I am not using it. The dust was just accumulating on my keyboard. Too bad. 
When I got sick for 3 days, all I ever did was watch the clock so as not to miss my schedule to take my medicines and to pass the time. Hay…
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