Term Life Insurance Quotes – How They Could Save You Time and Money

Let’s face it: Nobody likes to ponder their own demise. If someone relies on you financially, though, term life insurance is necessary to protect your loved ones’ financial futures.

But what is the best way to go about shopping for term life insurance? Where should you begin?

Term Life Insurance Quotes – Two Great Reasons to Look Online
These days, technology is an integral part of daily life. Millions of Americans use the internet to shop, pay bills, check bank statements, conduct research, apply for jobs, keep in touch with loved ones and much more. So it’s only natural that we use the internet when we shop for something as important as term life insurance, too.

As it turns out, hitting the web is a fantastic way to compare term life insurance quotes. But why? For one thing, it’s much quicker than the alternative. Calling insurance companies one-by-one out of the phonebook is a tedious, time-consuming process. But if you use the internet to find a free term life insurance quote you may only spend a few minutes shopping, leaving you more time for important things like relaxing and spending time with family.

Another advantage to looking for quotes online is the number of quotes you could receive. Some websites provide consumers with multiple term life insurance quotes from a single quote form, allowing you to compare rates and make sure they’re getting the best deal possible.

Saving time and money–what’s not to love?

Excuses, Excuses
Sadly, million of Americans do not carry any form of life insurance. Even worse, many Americans who do have coverage are underinsured and do not have enough coverage to protect their loved ones should the unthinkable happen.

There are two primary excuses people use for not purchasing term life insurance. The most common excuse is simple: they think you don’t need it. You’re relatively healthy, you eat right and are still on the good side of 50, so you wouldn’t possibly need coverage. But as we all know, life is incredibly fragile. Even for an incredibly healthy human being, there are no guarantees in life. A heart attack, cancer, car crash, a skiing accident–the world is a dangerous, unpredictable place.

Another reason people neglect to purchase coverage is because of cost. You barely make enough to cover the car payment and mortgage, so how could you possibly add another expense? Contrary to what many people believe, coverage can be incredibly affordable. In fact, for a 40-year-old male, the average rate is less than the phone bill in most households. The average premium for a woman is even more affordable.

Could Your Family Make Ends Meet Without You?
With each day that passes, you’re gambling your loved ones’ futures if you don’t protect them with coverage. Think about your family-what would happen to them should the unthinkable happen? Would they be able to carry on financially? How would they pay the mortgage and other expenses? After paying your funeral and other final expenses, how long would their savings last–a year? Six months? Maybe less?

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Understanding Betting Odds For Successful Online Gambling

For those of you interested in online betting, understanding betting odds can be a daunting task. However, this needn’t be the case, as a basic understanding of how odds are calculated should allow even the beginner to understand and implement them in their betting activities.

What are Odds?

In essence, odds are a reflection of the likelihood of a certain outcome taking place in a specific event.

“What on earth does that mean?”, you might ask.

In every event where there is betting involved, all outcomes have a certain chance of taking place. Odds are simply an interpretation of those chances, and the odds presented by bookmakers merely reflect such chances to the best of the bookmaker’s abilities, minus the bookmaker’s edge. Most online bookmakers offer up to three different choices on how you want to view your betting odds: Decimal, Fractional or American.

Decimal Odds

Decimal odds are commonly used in Europe and are therefore sometimes referred to as European odds.

To convert a chance into decimal odds just put the probability as a percentage and divide it into 100.

100/%Chance = decimal odds

So, if you believe that something has a 50% chance of winning, then:

100/50 = 2 or odds of 2.0.

Say then that you want to place a bet on a selection that has decimal odds of 2.0. If you win, for every dollar that you stake you will receive 2 dollars back. Stake $100 and you will receive back $200. This amount received back includes your original stake in the odds.

Fractional Odds

The more traditional fractional odds are often still used in the UK, and can therefore also be referred to as British odds, UK odds or traditional odds. These odds quote the net total that will be paid out to the bettor should he win, relative to his initial stake. Using the 50% chance example listed above again, the fractional odds equivalent of 2.0 are 1/1 which is also knows as evens or even money.

For example, you want to place a bet that has odds of 1/1. If you win, for every dollar you stake you will win $1 and you will receive your initial $1 stake back, giving you a total return of $2. If you place a bet of $100 at 1/1, then you will win $100 and have your $100 stake returned, giving a total return of $200.

American Odds

Also known as moneyline odds, these odds are favoured by US bookmakers as their name suggests. These odds show either a negative or a positive figure when quoting the odds of a certain outcome taking place.

If US Odds are indicated with a + sign then they show the amount you would win for a $100 stake. If there is a – sign then they show how much you need to stake to win $100.

So if you are betting on an event which has decimal odds of 2, or fractional odds of 1/1, the US Odds would be +100 (i.e. you would win $100 if you bet $100). If you are betting at decimal odds of 1.5, or fractional odds of 1/2, then the US odds would be -200 (you need to bet $200 in order to win $100 more)


Betting is often known as a sucker’s game and with good cause. The sheer chance of any outcome taking place in an event and the difficulty in predicting which outcome will occur, as well as the bookmaker’s inherent edge in all betting events, often make it extremely difficult for individuals to come out with a long-term profit from their betting activities.

However, if you are interested in online sports betting and do think that you have what it takes to profit, then it’s important that you educate yourself first before starting to bet. This will give you the best possible chance of coming out ahead in the long run.

Find bookmakers that offer odds with the least edge and therefore present the best value to you. Also, take advantage of bookmaker’s sometimes generous free bets on offer, as these can increase your profit if used wisely.

Finally, do in-depth study on the event on which you wish to bet. Read statistics, past performances and anything at all that could have an impact on the result. Being informed in this way will allow you to make the best possible choice, which will in turn give you the best possible chance of winning on the day.

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