the about of Whole Life Insurance

Whole Life Insurance


For most people, having a whole life insurance policy seems like having a friend forever. Sometimes it’s tough to differentiate between a term policy and whole life policy. A term policy only offers the option of live coverage to the policyholders. At the time of death or sudden causality, it pays the face amount of the policy to the beneficiary. There are variants of the whole life insurance policy you can get benefits from that. Both whole life and term policy, you will be abided to pay the same monthly installment over the life of the policy.

The basics of the policy

Whole life insurance is a bit expensive and offers tons of insurance benefits to the beneficiary as well. The insurance premium you pay for the policy is not only paid for the insurance but also for the investment portion. The extra cost associated with the premium is a good investment vehicle. There are numerous benefits associated with this policy. The Whole Life Insurance investment portfolios are very much prepared, conventional and regulated according to the state insurance authorities in which states they are operated.

In every state, an insurance regulatory commission is set up to mandate reserve pools and protect policyholders against any sort of company default. Whole life investments are protected through re-insurance utilities for the policyholders. In addition to the above benefits, Whole life insurance also offers various tax benefits to policyholders. All the accumulated fund value of the policy are free of tax burdens.

The advantages

In additional advantages, you may get partial withdrawals from your policy contribution with no tax deductions. If your policy is dividend-paying whole life policy, any distribution from your cash value deducted through a personal loan is also tax-free. The annual profit of the company is the deciding factor for the dividends offered to the beneficiary. In a participating whole life policy, your entire cash value within your policy is based on the collected dividends and paid premiums.

The policy offers guaranteed returns on the investment and it maximizes the cash value that has accumulated within your policy with augmented additional benefits. The policy delivers enough monetary capabilities to the policyholders in terms of both insurance and investment. Other advanced benefits include accelerated death benefits, guaranteed disability provision, and several Long-Term Care Riders as well.

Where to start learning English?

Where to start learning English
Let's talk about which start in learning a language will be the most productive. First, you need to decide on the purpose for which you want to start learning English. Someone needs English for traveling around the world, someone for entering a university, for passing international exams, for climbing the career ladder. And for someone - just for the common development and communication with foreigners.
So, you have a specific goal, to achieve which you need to master the English language. We must begin to study it. But how? There are a lot of ways now. For those who have never studied English, attempts to study it independently are ineffectiveAt the initial stage, you definitely need a person who knows the language perfectly, who will help you learn the basics and will correct your mistakes. Drives and tutorials, in this case, are useless. You need to start learning English only in courses in a group, or individually with a teacher.
And in fact, and in another method has its advantages and disadvantages.
The main advantage of learning English in courses is a group form of training. The courses have a motivation to be the best among students, a competitive atmosphere. For many people, this is an incentive to learn. Another plus of the courses: this is that a fee is taken in advance for a certain period of study. After that, you involuntarily have to come to classes, even if you are not in the mood, tired, or if you decide to postpone the study of English  “for later”. You cannot influence the tight schedule. This is good for those who find it difficult to organize themselves.
The disadvantages of learning courses.  Firstly, if you missed a lesson (for example, due to illness) - no one will wait for you, you will have to catch up on your own at an accelerated pace. In addition, if your level of knowledge differs from the group average, you will still have to study under the general program. As a result, either you will have to listen to information that is already secondary to you, or vice versa, to catch up with the group. In addition, being in a group, students often hesitate to ask questions that they did not understand or ask questions that might seem silly to others, although of course, it all depends on the student himself. Although it should be noted that in our school of foreign languages, this does not happen since the classes have a friendly and productive atmosphere.
At the initial stage, in no case do not choose accelerated training courses  - you will be stuffed with grammar and vocabulary at too high a speed for you. After that, fragments of phrases and a feeling that English grammar is something terrible, and that you will never master it, remain in my memory.
And now let's talk about individual lessons with a teacher, which you can also study at our Knowledge school.   You will be the only student. In this you can see your minus  - you will not have anyone to compete with. It is also worth noting that individual lessons are generally more expensive than group lessons.
In individual lessons, the teacher can meet you if you ask to cancel the lesson. This is both a plus and a minus  - because an undisciplined student may be tempted to abuse it. And we believe that in order to achieve maximum results, classes should be regular.
Nevertheless, individual lessons have many more advantages.
The teacher will find out your level of knowledge from the very beginning and prepare a training program for you. You do not have to urgently catch up on something, or vice versa, wait for the rest to go through what you have already learned. An individual program will help - depending on the purpose of your language learning - to focus on spoken or written English, to select exactly the vocabulary that you will need in the future, etc. The teacher will determine whether you have mastered this or that topic well enough or if you still need to work on it - that is, you will go forward at exactly the speed that you need.
Another advantage for shy and modest students  - only two are present at the lesson - the teacher and you. So, you can ask your question at any time, without fear that it will sound funny or stupid. The tutor will explain incomprehensible moments to you personally and at the very level and in the form that you need. If you missed a lesson, you won’t have to catch up with anyone. And, of course, you will not have to pay for a missed lesson if you warn in advance that you cannot come.
We hope that this article will be useful for you!

10 Tips to Improve Your Pronunciation in English

Proper pronunciation is an important part of learning any foreign language. The way your speech sounds can have a huge impact on how other people understand you and what impression you can make on them. In fact, pronunciation is a rather tricky thing, because it is not just acquiring knowledge of the language, but a physical ability that needs to be regularly practiced.
There is simply no shortcut to perfect pronunciation, but there are several ways to practice it more effectively and, accordingly, improve it faster. Follow our tips and start improving your pronunciation today to take a big step forward towards your goal, i.e. perfect pronunciation.
1. Listen to yourself
It is often difficult to hear pronunciation errors in your own speech because you focus more on communication than on the sounds you make, and if you cannot hear your mistakes, it will be difficult to correct them. Try recording your speech on a smartphone or computer, then to identify your mistakes and fix them.
2. Slower!
Many students think that speaking English fluently means speaking fast, however, this is not true. Speaking too fast makes old mistakes and makes the speaker nervous and indecisive. The slow speech will give time to take a breath and think about what to say next. Having time to think, you can feel more relaxed and concentrate on making your English sound right.
3. Remember the theory!
Close your eyes and think about how you pronounce the word before it comes out of your mouth. Imagine the expression on your face and the position of your lips. If you learn from the phonetic map, think about the sound being made, and how it combines with other English phonemes. If you used mouth and tongue diagrams, think about which one is right for you to make them sound right.
4. Get ready physically!
Pronunciation is a physical skill. You are teaching your mouth a new way to move and use different muscles. Play different sounds every day. Got a 'th' sound problem? Place your tongue between your teeth (but don't bite) and exhale the sound. Feel the air passing over the tip of your tongue.
5. Watch yourself
Stand in front of the mirror to see the position of your tongue, lips, and mouth shape when making certain sounds. Compare what you see with a video recorded by a native English speaker saying the same thing.
6. Copy native speakers
Listen to English radio shows, TV shows, and movies. Repeat what you hear, even if you are not sure that you understand what was said.
7. Practice on your own
Pronunciation problems exist because we are afraid to make mistakes. Think of situations as if you are meeting someone for the first time, ordering food in a restaurant, asking how to get somewhere, etc., the main thing is not to be embarrassed.
8. Find one like you
Find a friend who is also looking to improve his English. Try to exchange recorded messages and listen carefully to each other's pronunciation.
9. Pay attention to intonation and stress
Good pronunciation is more than just working off individual sounds. It is also an intonation that shows that you understand what has been said, and stress (some sounds in words and some words in sentences are louder and clearer than others). Read poetry, listen to the extraneous speech, sing out loud and concentrate on stress and intonation.
10. Sing the songs!
Learn the words of popular English songs and sing them. Singing helps to relax, correctly pronounce words, establish rhythm and intonation. Because you don’t need to concentrate on making sentences yourself, you can concentrate on making your pronunciation awesome!
Use each tip to figure out which one works best. Remember that all of them will help you achieve your goal with regular practice.
I would also like to note that we have a free trial lesson at the Knowledge language school. You can come, and we will understand what your level of English is and in particular its pronunciation. After that, we will be able to draw up an individual training program for you, at an attractive price.
And remember, don't be afraid to make mistakes!