Affordable Life Insurance!
Life insurance is the key to securing the future for your family, and should never be overlooked. We're going to break down what life insurance is, how much you might need, and how to get it for less than 1 cent per day!
What life insurance is:
Life insurance provides financial protection that will help transition a family through any of life's unexpected events. It’s an investment that pays out when someone dies or becomes permanently disabled - no matter their age. Life Insurance can be used as a safety net for people who have debts or obligations on their property they cannot afford to pay off in the event of death or disability. It provides peace of mind not just for your loved ones but also yourself.
How much you might need:
Life insurance is not like other types of insurance, such as car or home. It's designed to pay out over a long period of time. You don't have to buy it in chunks; that doesn't make sense financially or emotionally. Consider how much money you'd need to cover funeral costs and outstanding debts if one of you died or became permanently disabled tomorrow. Then figure out how much life insurance coverage you'll need over time to make up the difference if you were incapable of income.
How to get it for less than 1 cent per day:
You don't need a degree in finance to buy life insurance. Your plan, at any age, should be based on your assets and your health. We'll take you through the options so you can get the most from your insurance dollars. (A note: we are not financial advisors and this is not financial advice. This is simply information we hope will help you make an informed decision about life insurance. We cannot guarantee what will happen in the future, and cannot guarantee your financial future. All financial decisions should be made independently and with the advice of your own financial advisor.)
What are your assets:
We know you're busy trying to make a living - that’s what investment brokers specialize in! What if you could get a piece of the action for doing nothing more than being alive? We’ll look at how much life insurance is worth, and how much you need, based on what assets you have. Learn about this big-ticket financing tool! Read More Here... http://www.young-investors-insurance.com/invest-with-young-investors.html
Investment advisers are licensed by the state and must adhere to specific investment procedures, including truth in advertising provisions that require disclosure of certain fees.
Brokerage firms are licensed by state regulators and some states have additional regulations or qualifications for their license holders. Established brokerages typically belong to a national securities association that acts as its own regulator.
Regulation by a state agency does not ensure regulation by any other financial sector, government agency or foreign government the foreign country such as China where brokerages are regulated by the SEC of America or England where regulator is called Financial Conduct Authority (FCA).
The Securities and Exchange Commission (SEC) states that “the SEC's anti-fraud and abuse provisions apply to all securities firms within the meaning of section 3(a)(11) of the 1934 act, regardless of whether they were organized under state or federal law.” The Securities Investor Protection Corporation (SIPC) states that “SIPC is an independent corporation whose primary objective is to protect the interests of eligible investors following the insolvency of a broker-dealer."
With respect to registered investment advisers, "the SEC's authority in this area stems from a series of statutory provisions enacted pursuant to Congress' regulatory power. Specifically, the SEC's authority to regulate investment advisers stems from section 203 of the Investment Advisers Act of 1940 and section 211 of the Investment Advisers Act of 1940."
In this respect there is a trade off between enforcement power under state law and statutory authority enabling state regulators to carry out their responsibility. State regulators are able to enforce their laws by engaging in a coordinated economic or regulatory action against broker-dealers. In some states, such coordination will be required in order for an individual firm to qualify for exemption from the state laws; see, e.g., New Mexico Statutes §23-1-.201. In other states, it will be sufficient for a broker-dealer to opt into the state's disciplinary program. In the latter case, the state's regulatory authority is limited only to those securities firms that have opted in.
In addition, in serving as a uniform regulatory agency, the SEC has intergovernmental jurisdiction under Section 8 of the Securities Exchange Act of 1934 over all broker-dealers registered with it and similarly situated persons and providing specified services to them with respect to certain securities products. The SEC has exercised these intergovernmental powers by, for example, taking action against persons violating the terms of an order of a federal court.
Under the Securities Exchange Act of 1934 ("Act"), a broker-dealer is defined as "any person engaged in effecting transactions in securities for the account of others." Section 3(a)(5) of the Act provides that "[t] he term 'broker-dealer' means any person engaged in effecting transactions in securities for the account of others. Such term shall include any person who effects transactions in securities through a securities account, savings account, or similar account with a broker-dealer."
The Securities Exchange Act of 1934 provides that "no State shall have power to make any law which applies to the operations of any security 'exchanged in interstate commerce' applying more stringent rules than those established by this title." The Securities and Exchange Commission has interpreted this provision to mean that states cannot enact laws that apply to transactions in securities except as provided for by the Act. This means states cannot enact laws regulating the security market without first complying with all federal requirements. States can apply other laws to transactions outside the security market but must comply with federal regulations before they can take such action.
Conclusion
The SEC regulates securities with respect to: (1) the disclosure of information regarding securities transactions; (2) the conduct of securities markets; (3) the oversight of broker-dealers and investment advisers; and (4) investor protection. The SEC enforces its regulations through civil and criminal sanctions in connection with its enforcement powers.
Investment companies and personal representatives may purchase life insurance policies on behalf of beneficiaries only if specific requirements are met. Investment companies, for instance, must meet specific underwriting standards in order to sell life insurance policies on their own behalf.