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      <title>Life Insurance  by Ja Nisha Harrington</title>
      <link>https://padlet.com/02jharrington/etc3zsoa8gcr</link>
      <description>By: JaNisha Harrington </description>
      <language>en-us</language>
      <pubDate>2018-12-06 14:11:07 UTC</pubDate>
      <lastBuildDate>2018-12-06 14:50:17 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>What is Life Insurance </title>
         <author>02jharrington</author>
         <link>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311804625</link>
         <description><![CDATA[<div>Life Insurance is a contract between an insurance policy holder &amp; insurer, where the insurer promise to pay a sum of money in exchange for a premium, upon the death of an insured person. </div>]]></description>
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         <pubDate>2018-12-06 14:12:22 UTC</pubDate>
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         <title>Types of Life Insurance </title>
         <author>02jharrington</author>
         <link>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311809326</link>
         <description><![CDATA[<div><strong><em>Term</em></strong>: Provides coverage for a certain time period. You choose the term when you buy the policy, common terms are 10, 20, 30 years. The cost &amp; premium stay the same throughout the term. <br><strong><em>Whole</em></strong>: A life insurance policy that guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid or the maturity date. </div>]]></description>
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         <pubDate>2018-12-06 14:19:37 UTC</pubDate>
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         <title>Types of Life Insurance </title>
         <author>02jharrington</author>
         <link>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311814975</link>
         <description><![CDATA[<div><strong><em>Universal:</em></strong> A type of cash value life insurance sold primarily. The excess of premium payments above the current cost of insurance is credited to the cash value policy, which is credited each month with interest. <br><strong><em>Variable</em></strong>: Builds cash value, the cash value can be invested in a wide variety of separate accounts. </div>]]></description>
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         <pubDate>2018-12-06 14:27:24 UTC</pubDate>
         <guid>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311814975</guid>
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      <item>
         <title>What are Beneficiaries &amp; how do They receive payments  </title>
         <author>02jharrington</author>
         <link>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311818069</link>
         <description><![CDATA[<div>A person or other legal entity who receives money or other benefits from a benefactor. They have to make a claim to receive payments. </div>]]></description>
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         <pubDate>2018-12-06 14:32:23 UTC</pubDate>
         <guid>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311818069</guid>
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         <title>Premiums </title>
         <author>02jharrington</author>
         <link>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311821492</link>
         <description><![CDATA[<div>25 years old - $27.53 <br>30 years old - $27.88<br>35 years old - $29.98 <br>40 years old - $36.03 <br>45 years old - $51.62 </div>]]></description>
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         <pubDate>2018-12-06 14:38:03 UTC</pubDate>
         <guid>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311821492</guid>
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      <item>
         <title>Factors that determine them </title>
         <author>02jharrington</author>
         <link>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311823032</link>
         <description><![CDATA[<div>Gender,  do you Smoke, Age,  Health History, The policy,  Family Health History</div>]]></description>
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         <pubDate>2018-12-06 14:40:32 UTC</pubDate>
         <guid>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311823032</guid>
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      <item>
         <title>Links to Sources </title>
         <author>02jharrington</author>
         <link>https://padlet.com/02jharrington/etc3zsoa8gcr/wish/311824227</link>
         <description><![CDATA[<div><a href="https://www.fbfs.com/learning-center/8-factors-that-can-affect-life-insurance-premiums">https://www.fbfs.com/learning-center/8-factors-that-can-affect-life-insurance-premiums</a><br><br><a href="https://www.valuepenguin.com/average-cost-life-insurance">https://www.valuepenguin.com/average-cost-life-insurance</a><br><br><a href="https://www.investopedia.com/ask/answers/08/variable-life-insurance.asp">https://www.investopedia.com/ask/answers/08/variable-life-insurance.asp</a><br><br><a href="https://www.investopedia.com/terms/w/wholelife.asp">https://www.investopedia.com/terms/w/wholelife.asp</a><br><br><a href="https://www.investopedia.com/terms/t/termlife.asp">https://www.investopedia.com/terms/t/termlife.asp</a><br><br><br></div>]]></description>
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         <pubDate>2018-12-06 14:42:20 UTC</pubDate>
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