Earn money or reduce debt with our advice and tips.

Term life insurance is the most affordable way to protect your familys future. As inexpensive as term life insurance is, there are money-saving tips that will ensure you are paying only what you need. Get the most value for your dollar by checking out the following helpful tips that will save you money while still getting great protection.

1. Get coverage early the sooner you buy life insurance the less your annual premiums:
Some people are gamblers by nature and choose to take their chances by skipping out on life insurance. Although it is unlikely you’ll die during your working years, you’re not insuring for what’s likely to happen but instead, for the worst-case scenario. That’s why term life insurance costs less the younger you are. It is also why you should buy it sooner rather than laterbecause you’ll be providing financial security without spending a lot of money for it.

For example, if we look at the cost to purchase a $250,000 Term 10 life insurance policy youll see how delaying purchasing a policy by just a few years could cost you more in annual premiums.

For male non-smokers*:
A 35 year-old may get quotes for as little as $195 per year for a 10-year total cost of $1,950.
A 40 year-old may get quotes for as little as $263 per year for a 10-year total cost of $2,630.
A 45 year-old may get quotes for as little as $373 per year for a 10-year total cost of $3,730.

For female non-smokers*:
A 35 year-old may get quotes for as little as $165 per year for a 10-year total cost of $1,650.
A 40 year-old may get quotes for as little as $210 per year for a 10-year total cost of $2,100.
A 45 year-old may get quotes for as little as $270 per year for a 10-year total cost of $2,700.

* Lowest quote online from February 2006 for a Term 10 policy, one of the most popular life insurance products in Canada. Premiums shown are the rates if paid annually.

2. When your age isnt really your age:
Your next birthday may be 6 months away but in the eyes of most life insurers youve already hit that next magical number. When you get a life insurance quote, the rate you are given is based on the age you are closest to which, 50 per cent of the time is your age at your next birthday. Its a term called Age Nearest, and that half-year price increase could really add up. See the difference yourself.

For male non-smokers*:

A 39 year-old may get quotes for as little as $248 per year for a 10-year total cost of $2,480
A 40 year-old may get quotes for as little as $263 per year for a 10-year total cost of $2,630.

A savings of $150

A 44 year-old may get quotes for as little as $345 per year for a 10-year total cost of $3,450.
A 45 year-old may get quotes for as little as $373 per year for a 10-year total cost of $3,730.

A savings of $280

For a female non-smoker*:

A 39 year-old may get quotes for as little as $200 per year for a 10-year total cost of $2,000
A 40 year-old may get quotes for as little as $210 per year for a 10-year total cost of $2,100.

A savings of $100

A 44 year-old may get quotes for as little as $255 per year for a 10-year total cost of $2,550.
A 45 year-old may get quotes for as little as $270 per year for a 10-year total cost of $2,700.

A savings of $150

* Lowest quote online in January 2006 for a Term 10 policy. Premiums shown are the rates if paid annually.

3. If youre a smoker ask about incentive programs aimed at helping you quit:
While not all life insurance companies offer incentive programs to help you quit, some do and could save you money if you are thinking about buying life insurance and quitting smoking. For example, one such company will refund you an amount equal to the difference between the premiums you already paid as a smoker and those you would have paid had you not smoked. Whats more, once you quit smoking, this same company will adjust your premiums to non-smoker rates based on the age you were when you purchased the policy, not the age you are at the time you quit!

4. Check out your payment/billing options:
Many life insurance life insurance companies offer discounts to consumers who pay their annual premiums up front. If you have the money handy, you could save up to 10 per cent of your policys premium each year. For example:

A 35 year-old male with $250,000 in coverage can pay $195 up front per year for life insurance coverage. If paid in monthly installments, however, the annual premium jumps to about $215. Paying up front can save this person $20 per year!

A 40 year-old male with $250,000 in coverage can pay $263 up front per year for life insurance coverage. If paid in monthly installments, however, the annual premium jumps to about $288. Paying up front can save this person $25 per year!

A 45 year-old male with $250,000 in coverage can pay $373 up front per year for life insurance coverage. If paid in monthly installments, however, the annual premium jumps to about $407. Paying up front can save this person $34 per year!

Life insurance made even more affordable:
With these money-saving tips in hand, Term Life insurance is more affordable than ever. There is no better time than now to get the coverage you and your family need.

Everyone knows that health insurance costs are at an all time high. With the cost of medical care also skyrocketing, people, especially those that are self-employed are desperate to find ways to save money on their health insurance. This can be a difficult task as most insurance companies are far from excited to offer coverage to the self-employed.

Your first step would be to shop around. Contact an agent that deals with many companies instead of contacting the companies directly. This will save you not only time but also some money in the process because an agent will not be paid unless he or she finds the insurance that is right for you and you agree to take it. Tell the agent exactly what you are looking for and how much you wish to spend on premiums, deductibles and so on. Remember, be specific! If you want to ensure that you are getting what you want then you need to give as many details as possible.

Once you have some offers in hand read the fine print. This is the number one mistake made by people when seeking health insurance. Sure, the policy looks grand on the surface but then once you are locked in you find that it is full of restrictions and extra fees. Insurance companies are in business to make money, not spend it. If it sounds too good to be true then it probably is.

Finally, do not agree to any policy until you have checked out all the offers that were made to you. More often than not, a higher premium policy is better in the end because it offers smaller deductibles, and fewer restrictions. You could find yourself paying less for a policy but then also getting a lot less in return. If the policy does not help you then it does not matter how small the premiums are.

Blackjack is by far the most played casino card game in world. It is a simple game, and a game that can be beaten with the correct strategy. The objective of blackjack is to beat the dealer by obtaining a hand valuing more than the hand of the dealer without exceeding 21. A hand valuing 21 is often called a ‘Blackjack’.

In the game of blackjack all the numbered cards are valued at their face value. Jacks, queens, and kings all value 10, and an ace values either one or eleven, whichever value works best for the player.

On a typical blackjack table, there is one dealer and up to six players. Before the cards are dealt the player must make a wager of any amount up to the table limit. Once all of the players have made a wager the dealer will deal each player two cards face up. The dealer will also deal himself two cards – one face up and the other face down. At this point the player is given a number of different options, which include hitting, standing, doubling, splitting, or buying insurance.

If a player decides to hit this means the player would like to be dealt another card. A player can hit as many times as he or she chooses with exceeding a hand valuing 21. If a players hand exceeds 21 this is referred to as busting, and if you bust you automatically loose. The player’s second option is to stand. By standing a player is stating that he or she is happy with the value of their hand, and does not choose to be dealt another card.

If by chance a player is dealt a hand of two cards of the same value he or she can elect to split the pair into two separate hands. If a player decides to split, the wager amount remains the same for both hands and each hand is played separately. In the situation that the player believes his or her hand is a winner the player can double down. By doubling the player is deciding to double the wager amount and to be dealt one additional card. On the contrary when a player believes his or her hand could loose because the dealers up card is an ace, the player can choose to buy insurance. Insurance protects players from a dealer blackjack.

Basic strategy suggests that players should only play against the dealer, and not pay to much attention to the other players on the table. By observing the cards dealt to the other players it is possible to gain an edge on the casino by using card counting techniques. Card counting is not necessarily difficult but it can get confusing if you take into consideration the speed of the game. It is always recommended for beginners to learn the blackjack strategy tables very well before even considering card counting.

Blackjack strategy tables are just basic tables that outline the correct mathematical course of action for any given hand. Typically there are three different blackjack strategy tables. The soft hand table is used if a player has a hand with an ace valuing one, the hard hand table is used if a player has a hand with an ace valuing eleven, and the double down table is used to decide if the doubling option works for or against the player.

Players using the strategy tables have a great advantage over players that don’t. Blackjack is a game of strategy and with easy to use tables that guide your play there is no reason why you can’t beat the casino. The players that win the most stick to the strategy tables and never make decisions based on luck alone. Just believe in the tables and you will eventually win also. Don’t you want to break the online casino?

21Bet.com provides all the strategy tables you need to win!