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Life insurance policy is the best way to overcome from unexpected risk factor in the future and it will protect you financially. Even a slightly lower premium can lead to major savings for the future.

The premium rate on life insurance policy mainly depends on a variety of factors. But for many people insurance concept is difficult to understand and it leads to many misconceptions. To avoid such misconceptions and confusions there are few factors that needs to be considered while opting for the life insurance policy and to determine the premium rates.

Here are the most common factors that affect life insurance coverage in determining the premium rates and risk coverage.

Age of the Policy Holder

It is the number one factor that needs to be considered in the life insurance coverage. If you are younger, then chances are more to pay premium rates for years and rates will be lesser. That’s why it is always recommended to buy insurance policy at young age. It doesn’t mean that you have to buy insurance policy in your college life, it is better to buy when you’re financially stable.

Gender of the Client

Gender is another significant factor need to be considered when evaluating the average life expectancy. In fact on average women are likely to live longer than men so women pay slightly less premium rates for longer years.

Medical Test

This factor is important in the underwriting process. Medical test mainly include height, weight, cholesterol, blood pressure and other key metrics. So purchase life insurance policy before searching for coverage to ensure competitive rates. Few insurance companies do offer policy without any medical test, but they cost higher premium rates.

Genetic History of the Family

The insurance advisor generally asks about the genetic history of the family and details about the family members those susceptible to genetic disease like diabetes, heart problems, etc. If this is the case then you have to pay the higher premium rates as you carry the genetic diseases.

Profession Plays an Important Role

If your profession is risky or challenging then chances are more to pay the higher premium rates. If your job is considered has a risky profession then you may be denied to get all benefits from your insurance policy. For instance: many insurance companies charge more if your occupation is relatively dangerous such as mining, drivers, steel engineers and many more.

Driving Record

This factor seems to be surprising, but many insurance companies keep track of policy holder driving record during the underwriting process. They will access for the department of motor vehicles records to find out any issues that you’ve run afoul of the traffic rules. So if you maintain clear records in the motor vehicle department then you will be benefitted by more favorable price.

The above mentioned factors will significantly affect on life insurance coverage and insurer should minimize the premium rates by minimizing the risk factors. However, it is always advisable to compare different company policies before buying the life insurance policy.

Fiji once housed the happiest people on the Earth according to a 2011 survey. The reasons for happiness of the inhabitants are obvious with a laid-back environment, favorable weather, pristine water, virgin tropical forests and a tolerant society. Fiji is a top destination for the tourists looking to enjoy a pleasant, peaceful and revitalizing holiday. There are several tourist spots in the country that are made for the couple for an intimate and enjoyable holiday.

Fiji is an archipelago consisting of 333 islands but mostly unsuitable to live-in. But, the country is still under-populated offering good space for foreigners to build a home and settle there. The country is a perfect place for the people looking to relocate to a peaceful and serene country to escape the city blues. To build a home in Fiji, it is essential to buy a land plot suiting the need and requirement. It is essential to buy the properties following the new set of rules in the real estate.

The real estate industry of Fiji has been revitalized with returning of democracy in the country. Investment in the real estate industry is flowing from all regions. There are options to invest in building tourist spots developing a whole island for it. Apart from that, there are villas, houses, resorts, resort and land plots to invest and earn good return. The Fiji real estate industry has grown manifolds over the years in the market now. But, it is essential for the investors to hire a local agency while making the investment in the country. No investment in the property can be made in the cities as it is banned for the foreigners. This is why it is essential for the foreigners to buy properties from faraway places.

To build a home, it is essential to find a land plot first. The island on which the land will bought need to have good connectivity, favorable weather and basic amenities for a good living. But, the most important thing is to see that there is no caveat, mortgages and legal issues are attached with the land. Freehold land is the best option for the foreigners to buy, use and resell at will. Fiji property sales contain the best lands that are really ideal to build home or develop into a tourist place. But, it is essential to seek permission from Ministry of land, Fiji before buying more than half an acre of land. Hire an agency that would help in searching and investing in the land in Fiji.

To be eligible to buy land in Fiji, a temporary resident visa or work permit is essential. After finding the land, it is essential to invest minimum 150k dollars in building the house to be granted by the Government. Buying properties in Fiji is cheaper, simple and easy but need longer time to process. It is essential to hire a local real estate expert to process the deed title quickly. Find a property for sale in Fiji hiring a local expert to increase buying process quickly. Contact our real estate experts to search and buy properties in Fiji at affordable prices.

Indirapuram Habitat Centre is a newly launched commercial project in Ghaziabad featuring high end retail solutions for the urban society of today’s date. Located in Plot 16, Ahinsa Khand 1, this commercial property in Indirapuram enjoys a prudent location along the expressway connecting NH-24. Very close to Vaishali Metro Station, Habitat Centre Ghaziabad is exposed to a huge crowd commuting via roadway and metro services from rest of Delhi/NCR. Besides creating an appeal to this distant audience, this project is a filling for the vacuum created due to the commercial needs of the neighbouring residential development.

Indirapuram Habitat Center shopping mall features its retail arcade along the expressway on 12.5 acres area. Dedicated to create a shopping fiesta in Ghaziabad, the Habitat Centre retail shops are exclusively crafted with utmost professionalism for the high end retailers. If you are ready to showcase your stock in front of a huge audience while increasing your brand exposure, Habitat Centre Indirapuram is the best location. These retail spaces are constructed on the ground and first floors and are offered in various floor layouts starting from 200 sq. ft., apt for anchor stores, vanilla stores, high street retail brands, showrooms and more. Customized in an intelligent way to provide rooms for restaurants, cafeterias, bistros, pubs and more at the food court, this category of Habitat Centre retail shops also opens the door for your commercial real estate investment.

A futuristic project with upscale features and luxurious amenities, Habitat Centre Ghaziabad allows you to optimistically start your retail business at this destination to magnify your business prospects while earning huge revenue. A lavish project with an assured footfall from everywhere, Indirapuram Habitat Centre is itself a customer generating hub from its 395 studio apartments and 7-star IHC Club. A high street shopping destination for the elites, this commercial property in Ghaziabad is the brainchild of the most reputed builder in Delhi NCR, Victory Infratech. Committed to cater the needs of the today’s world, this builder group has launched this project after much research and survey.