2009年4月3日星期五

Video Telephones-That Do Not Require a Service

Video Telephones
That Do Not Require a Service
Now that we just discussed video telephone options that are tied to a VoIP service provider,
let's ask this question: Is there a way to have video calls without subscribing to a VoIP
service?
The answer is yes! Several video telephone devices do not require anything more than
access to high-speed Internet.To do this, you will need to connect multiple devices to your
broadband connection, as we discussed in Chapter 3,"Selecting a High-Speed Internet
Provider."
Logically, there is little reason to subscribe to a service from VoIP providers, such as
Packet8,ACN or Vonage, but they do have good service offerings and offer a better quality

of service.Also, the VoIP providers will ship you precon?gured devices, so setup is easy —
just plug it in and call. If you were to compare the same video telephones with and without
a VoIP service provider, we would expect better performance with the VoIP service
provider than with a service from a straight Internet service provider. VoIP service providers
have contracts with the main backbone providers of the Internet to route voice and video
traf?c in a faster way around the general Internet to improve quality and give priority to
their traf?c.
In this section we will discuss options to avoid subscribing to a VoIP service provider.
Not all video telephone devices are capable of performing calls without a VoIP service
provider. Do some investigation of the features of each video telephone device to see if they
can support direct IP dialing. (Unfortunately, we were unable to test all the devices for this
feature.) Question the supplier and ask if the devices support direct IP dialing.They should
be able to tell you. Direct IP dialing is a common feature of H.323-compatible video tele-
phone devices.
H.323-Compliant Video Devices
In this section, we'll discuss H.323 video devices.
Black Crow BCV-103
The Black Crow BCV-103 is also known as the Sorenson VP-100.This device was designed
by Sorenson for the hearing-impaired community to enable a deaf person to communicate
with a call center, sign to the operator, and then have the operator call the other party and
relay the message back to the deaf caller.This is a subscription service, so it is not for the
typical user, but the videophone device Black Crow improved with the Sorenson video
chipset makes it far better than the video on the DLink i2eye videophone, which is the
same unit except for the video quality. For more information on the Sorenson VP-100 unit
for the hearing impaired, take a look at Sorenson's Web site: www.sorenson.com/
I own two of these devices, and I like the way they work with a television for the
screen.The quality is good, and it is easy to use. I recommend not using the built-in micro-
phone; you can connect a single cordless handset with a speakerphone to the unit and place
the cordless phone on the coffee table in front of you or on your lap and have a great video
call.This device is H.323 compliant and can work with Microsoft NetMeeting, Sorenson's
Envision SL (just a front-end to NetMeeting), and Polycom's PVX software if you want to
talk to one of these devices with a computer running Windows. I look forward to the
updated version coming out toward the end of 2006; watch my Web site for the review:
www.VideoCallTips.com.
Video Telephones
That Do Not Require a Service
Now that we just discussed video telephone options that are tied to a VoIP service provider,
let's ask this question: Is there a way to have video calls without subscribing to a VoIP
service?
The answer is yes! Several video telephone devices do not require anything more than
access to high-speed Internet.To do this, you will need to connect multiple devices to your
broadband connection, as we discussed in Chapter 3,"Selecting a High-Speed Internet
Provider."
Logically, there is little reason to subscribe to a service from VoIP providers, such as
Packet8,ACN or Vonage, but they do have good service offerings and offer a better quality

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Video Telephone Options

Video Telephone Options
Video telephones, as the name suggests, are some form of device that acts and sometimes
looks like a telephone with the added feature of performing video. We mentioned earlier
that to separate the terms, use video telephone to describe a device that looks like a traditional
telephone with a video screen and videophone to describe units that do not look like a tele-
phone. Video telephone come in two types:

Video telephones that require a VoIP service provider

Video telephones that do not require a VoIP service provider
Selecting a Computer or Dedicated Videophone Device ? Chapter 5
73
Video Telephones That Require a Service
The video telephones that are linked to a VoIP service provider require you to have a
broadband connection, which they all need, but also that you subscribe to their speci?c
VoIP service and join their video call service plan.This type of service adds cost and
requires that all sides that want to participate in the video call must subscribe to the same
service provider and use a compatible video telephone device. Packet8,ACN, and Vonage
are three such providers that offer a video telephone option.You have to sign up for their
monthly VoIP service, which costs roughly US$25 to US$45 per month; purchase one
video telephone per side; and pay for the video call service option. Packet8 costs roughly
US$19 per month, the ACN video call option is free, and Vonage has not announced its
pricing plan.These vendors' services add costs to the video call and also lock you into a
single VoIP provider's service, since all parties must join the same service to place video calls
with one another.
I do expect this to change in the future as the providers open up their systems to allow
video calls between similar devices and VoIP systems, whoever your provider might be.This
will take a year or two to happen in my opinion, as demand creates the investment for gate-
ways to interconnect Vonage and Packet8, for example.The technology is available; the VoIP
providers just have to make the investment to provide a gateway to add this option. In my
opinion, if vendors want video telephones to be more successful, they should consider this
interoperability of video calls so that people can have a choice of providers just as they do
now for their telephone service. Packet8 and Vonage are the leaders in this space, so they
would be the ?rst logical partners to connect their video call solutions.To lock the users
into using one provider is a mistake and will slow the adoption of video telephone use.

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What Is Available

What Is Available
More than 40 video call software solutions are on the market today. Many are not very
good per our rating system, but solutions are continually improving. In the three years since
I started using video calls with my 4–year-old daughter, family, and friends, the amount of
video call solutions available has doubled if not tripled.
There are basically two types of solutions: free and commercial (pay-per-use). Within
these two options are SIP, H.323, and custom or proprietary solutions. Commercial solu-
tions tend to have more features and offer multiparty connections. Free solutions tend to be
basic and may offer additional services as pay-per-use options. Oddly enough, when we
rated the video call solutions over the past two years, we found only a few solutions ?oated
to the top of the list and it had little to do with cost. Some of the commercial solutions are
surprisingly costly for what they offer and the quality they provide, but the quality will
improve with time. So the manufacturers of these solutions are really going after their busi-
ness model and unique way that they want to provide you a video call solution. Most com-
mercial solutions are geared for business use and not personal videoconferencing, though
there is some overlap. It all depends on what your personal needs are.
We have a short list of video call solutions to recommend, but there are different solu-
tions for different situations.The focus of this book is personal videoconferencing, so the
short list rates computer-based solutions for one-on-one video calls for Windows-to-
Windows or Windows-to-MAC (Apple). We will discuss more on bridging the gap
between computer video call software and hardware video telephones in Chapters 6 and 7.
72
Chapter 5 ? Selecting a Computer or Dedicated Videophone Device
Short List of Computer Video Call Solutions
Cost for
Additional H.323 and/
Apple
Video
1-on-1
Pay-per-Use or SIP
Solution
WinTel
MAC
Mail
Video Calls Features
Support
SightSpeed 4.5



Free

none
MSN

Free
Coming
none
Messenger 7.5
Skype 2.0

Free

none
Apple iChat AV

Free
MAC
none
FWD

Free

SIP only
Communicator
CounterPath


$60

SIP only
EyeBeam 1.1
Polycom PVX 8.0.1


$150

SIP and H.323
There are other video call solutions that I like but are not on the short list because of
one feature or because they are still in the development or testing phase. For example, a
plug-in for Skype called Video4IM is a good solution for Skype, because the video sender's
screen is larger than Skype's video screen, but it is still in testing. WigiWigi, which is still in
testing, holds great promise in high-quality multiuser video calls and works with any instant
messaging application (the IM applications do not have to be the same).There are many
solutions in the market, and we will list them all in Chapters 6 and 7.


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Video Call Software Solutions

Video Call Software Solutions
Chapters 6 and 7 will cover in more detail the video call software solutions available. Here,
we will touch on some of the more popular solutions available for computers. Software
works much differently than hardware video telephone devices do.The protocols and
codecs used in hardware devices tend to be standard, while in software video call solutions
they are often proprietary or closed systems. Most video call software solutions cannot make
video calls with other vendors' video call software.The exceptions to this are AOL's AIM
client and Apple's iChat AV client. In my opinion,AIM does not work very well and is not
?rewall friendly at all, but AIM and iChat AV can be made to work.The reason Apple and
AOL did this was to enable a PC-to-MAC video call solution that links the two popular
Selecting a Computer or Dedicated Videophone Device ? Chapter 5
69
instant messaging applications.They accomplished this by adding a gateway that connects
the two video call solutions and their user database.
Ratings Criteria
We have criteria that we use when evaluating video call software solutions that form the
basis for the ratings you see in this book and on my Web site, www.VideoCallTips.com .We
evaluate many features, but the main goal is to provide criteria that enable a few solutions to
stand out as the best ones to consider for your video call solution and have a great experi-
ence doing it. It should be easy to install and con?gure and have many basic features that
are needed for two people to fully interact and work over many types of Internet connec-
tion options.
On my Web site we use the following criteria based on several years of use, the available
places one can place video calls, and the logical directions these companies are taking. Being
free versus commercial has little to do with the rating, but if two solutions are equal in
every way, free gets the edge with a "+."
1. A Work Anywhere con?guration.The solution should be con?gurable to work
in homes with personal ?rewall software and/or a hardware router with little or
no special con?guration—we call it "?rewall friendly."This way, the solution could
work somewhere other than a home, such as a hotel, WiFi hotspot (Starbucks), or
an airport. Operation from within a corporate network was not a requirement, but
extra points are given to those solutions that do work in a corporate environment.
2. Ease of installation and con?guration. We want applications to be simple to
install, test, and con?gure.
3. An easy interface or ease of use. We do not want too many features that make
a basic video call hard to initiate.
4. Audio quality. We do not want a time lag between audio and video, or video
that is out of sync with the audio, or audio that is just plain choppy or poor
quality.Also, the audio must be ?rewall friendly.
5. Video quality.There are two forms of thought here: image quality versus frames
per second or pixilation (also called dithering) of the video image. Basically, does
the video have a sharp image (like a photograph) and give up speed (frames per
second – ?uid video motion) for performance, or does it give up sharpness for
better speed and more ?uid motion? We conclude that image sharpness is the ?rst
preference and ?uid motion second. What good is it if your lips are in sync with
the audio if you cannot see the image clearly? We want the video to look as close
to a photograph as possible so that we can see the little features when communi-
70
Chapter 5 ? Selecting a Computer or Dedicated Videophone Device
cating with our children or those that have a hard time seeing, such as grandpar-
ents and the elderly. We do not mind if the motion is not ?uid as long as the pic-
ture is sharp and clear. We want to be able to read letters from a book.Also,
Internet connections are getting faster every year, so frame rate will catch up as
speed improves.The exception to this is applications that will be used for signing
with the hearing impaired; frame rate becomes very important for these types of
applications.
6. See both sending and receiving video screens in an acceptable size.This
feature is important for reading books, showing text, or showing pictures to family
and friends and being able to easily see what video you are sending, if it is in
focus, centered, etc. Some solutions offer no view of the video you are sending or
offer a very small picture-in-picture to improve performance, but we found this
unacceptable.The video window of what you are sending needs to be at least 2 to
3 inches to be effective.The picture-in-picture feature can be hidden when
needed.
7. Additional features. We look for features such as ?le sharing, remote desktop,
instant messaging, phone calls, multiple person or conference calls, Web interface,
full screen or larger screen capabilities, etc.
8. Internet connection speed requirements.A solution should have the capa-
bility of working "home to home" or "hotel to home," because these places usu-
ally have slower Internet connection speeds than businesses. We look for DSL and
cable modem speeds of 128Kbps upload and 500Kbps download speeds as the
minimum.
9. The capability of having video without audio.This way you can use a cell
phone or telephone, or a second application that is better at audio, if needed.
Most, if not all, applications enable you to mute the microphone, but if the appli-
cation is still sending audio when you're not using it, video performance can be
affected by the audio overhead.This is important for good video applications with
poor audio or if bandwidth is an issue.
10. Reliability and consistency. Does the application function consistently across all
the testers in all the con?gurations? Or does the solution perform better in certain
situations, such as higher speed Internet connections?
11. Cost. Of course, we must look at the cost of these features. Free solutions tend to
have basic features, whereas commercial solutions have more features.Are the addi-
tional costs worth the extra features or performance? Cost was used as a tie
breaker if solutions were rated equally.
Selecting a Computer or Dedicated Videophone Device ? Chapter 5
71
12. We do not test for PC-to-Apple/MAC functionality. Only a few applications
even have this capability, so we decided to ?nd the best solution, and if it works
for PC-to-Apple/MAC, that's great. If not, make a request to the vendors for a
feature upgrade.
13. Parental Controls. Does the application have any parental controls to limit what
a child can do or whom he or she can contact?

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Security, Privacy, and Parental Controls

Security, Privacy, and Parental Controls
It is important to secure your Internet connection and your computer from the unknown
Internet.A DSL/cable router, or broadband router, is really a necessity.You can also protect
your system with a personal ?rewall/security suite software solution and by keeping your
system up to date with the latest patches.
Webcam Security and Privacy
We have been asked many times about Webcams and if there is anything to worry about if
you add one to your computer.You may have read, seen, or heard about some recent news-
paper articles and television news that scared you with a worst-case scenario, but Webcams
themselves are not something to be concerned about. It is what you or a child might use
them for that is the issue. If you are a parent, you have complete control over a Webcam if
you choose to. Most Webcams come with a lens cover just like a traditional camera so you
can turn it down after you are done and feel assured that no one can see anything unless
you let them.You can also just turn the Webcam to face a wall or even unplug it and
remove it when not in use. If you have children, put it away until it is time to use it again if
it makes you feel better and you still have any concerns. It is up to you to control your
Webcam however it makes you feel comfortable. In addition, the software for video calls by
default does not auto-answer incoming calls, so someone cannot just call your computer
and see what is inside your home unless you set it up that way. Do not let a child use a
Webcam without monitoring their use in person or with automated monitoring solutions
that we will discuss in this section. If you do these things, a Webcam is nothing to fear and
will provide you with a better way to communicate.
If you follow our recommendations to use a DSL/cable router, to install a personal ?re-
wall software/security suite, to keep your system up to date with security patches, and to
control your Webcam, you have little if anything to worry about when it comes to someone
breaking into your computer to watch your Webcam.The reality is, it is your or your chil-
Just Tell Me What I Need ? Chapter 4
57
dren's behavior that is the actual risk, not the additional accessories. Monitoring and con-
trolling your Webcam will take care of any issues you might have heard, read, or seen.
Really, it is just common sense.


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Videoconferencing Solutions for the Mac

 Videoconferencing Solutions for the Mac
Remember, the goal of this chapter is to get you going with something that works and is
cost effective. Because many of these solutions are free, we recommend that you select one
of the free solutions to start; then you can evaluate other solutions depending on your
needs.

Apple iChat AV (Mac to Mac only)—Free

SightSpeed (Windows and Mac)—Free with additional features for a cost
56
Chapter 4 ? Just Tell Me What I Need
Apple iChat AV is a great Mac-to-Mac solution, but does not have a Windows client.
AOL AIM client can work with Apple iChat AV to provide a PC-to-Mac solution, but it is
so bad for a video call and is so ?rewall unfriendly that we do not recommend this solution.
As mentioned in the Windows video call section, SightSpeed is one of the best designed
solutions available and works for both Mac and Windows systems, so you can call people
using either operating system.As stated in the previous section, we recommend using both
solutions for the ?exibility to make video calls with users of either solution and to users
with Windows PCs. More details on video call solutions for the Mac will be covered in
Chapters 6 and 7.


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Personal

Personal
Videoconferencing Solutions for Windows
Remember, the goal of this chapter is to get you going with something that works and is
cost effective. Because many of these solutions are free, we recommend that you select one
of the free solutions to start; then you can evaluate other solutions depending on your
needs.

SightSpeed (Windows and Mac)—Free with additional features for a cost

Microsoft MSN Messenger (Windows only)—Free

Skype 2.0 (Currently Windows only, but others are coming)—Free
SightSpeed 4.5 is probably the best-designed video call software available and is available
for both Windows and Mac OS X so you can call anyone using either operating system.
MSN Messenger 7.5 is also a good solution, but it can have issues with audio; if you have
this issue, use it in conjunction with Skype for the audio portion. Skype has superb audio
quality, so using it with MSN Messenger is a complementary solution.
Skype 2.0 added video to their already great voice solution for Windows, which gives
us another video call solution to consider. However, the size of the sender's video screen,
which is roughly one-inch wide and three-fourths of an inch tall is too small to be prac-
tical, because you cannot tell if you are in focus or if anything you hold up is readable by
the other person in your video call. Of course, if you want to know more about Skype, visit
my Web site, www.SkypeTips.com, and pick up a copy of my other book, Skype Me! So
what do we recommend? Well, all three, of course! They do not interfere with one another
and since they're all free, why not use them?




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Video Call Software

 Video Call Software
If you decide to use a computer, the software you decide to use will be based on the video
call functions you want to perform. For example, if you are an AOL user on Windows and
are familiar with AOL's Instant Messenger, you'll need to know that AIM interacts with
Apple's iChat AV solution for a video call. SightSpeed, one of the better video call solutions,
also has Windows and Mac capability.Yahoo's Instant Messenger was one of the ?rst to have
video and audio capabilities. If you use Microsoft's MSN Messenger, it too handles audio
and video, but only for Windows. By the way, all these solutions are free—a way for vendors
to encourage use of their Internet portals or additional services. (More detail on software
video call solutions is included in Chapters 6–8.)
Frame Rate and Picture Quality
One of the things to keep in mind when you're using video call solutions is the kind of
frame rate and picture quality you get with the solution.The best-quality video, the kind
you see on television or your camcorder, is 30 frames per second (fps). Some solutions trade
picture quality for improved frame rate so that the video is moving at real time, or 30fps,
even though the quality is more "grainy." Most solutions slow the frame rate to 15fps in
order to keep the picture quality high.
16
Chapter 2 ? Getting Started
Let's take a look at a basic frame rate versus video quality and how they affect band-
width.This is only an example, and not a realistic one, of the data being transferred as solu-
tions use compression to reduce the amount of data sent.The typical video call screen size is
320 × 240 pixels, for a total of 76,800 pixels.At 30fps, that is 2,304,000 pixels being sent
every second. If you cut the frame rate in half, to 15fps, then only 1,152,000 pixels are
being sent every second.You can see the obvious savings you'll get by reducing frame rate
to reduce the amount of video data being sent.
This is important for home users because the speed at which you send data, called the
upload speed, is always less than the speed at which you receive data, called the download
speed. Software makers have to balance frame rate and image quality to handle the limita-
tions of current broadband connections. But have no doubt that the quality of video calls
you can do today is very good and designed speci?cally for home broadband connections.
Vendors use compression and fancy formulas to adjust the quality of the image and balance
it with the frame rate to keep the video ?owing and the audio quality good.This is also
why you will see the video screen size in a 3 × 2-inch screen, to reduce the data that is
being sent. When these solutions expand to large windows, the data does not increase, only
the image size does, so the video gets grainy, just as though you blew up a 4 × 6-inch pho-
tograph to 8 by 11 inches.
So, the more frames per second that are sent, the higher the quality of the video image
and size of the video window, the faster your bandwidth or Internet connection needs to
be. Since bandwidth to the home has a limit, some video call solutions limit the size, quality,
and frames per second to reduce the bandwidth required.Therefore, you have to decide
what is more important to you, frames per second or picture quality. Many applications do
not allow you to adjust the picture size, and ones that do are just blowing up the picture,
not actually increasing the amount of data being sent, resulting in a grainier picture as it
increases in size.
I prefer quality over frame rate because I want to see the best picture possible rather
than a grainy person moving in real time. When performing video calls with my children,
for example, it is the ?ne details that I want to see, like a missing tooth, so quality is more
important than smooth movement, in my opinion. Some of the solutions have automatic
bandwidth meters and adjust both quality and frames per second based on the high-speed
connection. MSN Messenger, for example, keeps a very good picture and reduces the frame
rate based on the slowest of the two connections in the video call.
Latency, the delay between the time you say something and the time the other party
hears and sees you, is also a concern. Remember many years ago, when making long dis-
tance calls, you had to learn to wait a few seconds before saying something so you would
not "step on" the other caller? Latency is not a desirable condition and is often found in
server-based solutions that relay the video call.


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Computer or Dedicated Video Phone Device

Computer or
Dedicated Video Phone Device
To use a computer or not is the ?rst question that needs to be addressed. If so, Windows or
Mac? (Those of us who have been around a while call all computers from Apple Macs, from
the highly successful Macintosh series of computers from the 1980s and '90s, even though
some models go by other names now.)
For around US $250 for each location that wants to participate in a video phone call,
you can ?nd video call solutions that do not require a computer.You can also add the
needed hardware and software to existing computers, or buy a new computer and out?t it
to perform video calls. If you make the decision to use a computer, the next steps are to
upgrade an existing computer if necessary or purchase a new computer.
I recommend starting with a computer-based solution, since computers are readily
available these days and most people have them.Though other solutions are discussed in this
book, most of the video call solutions we talk about are based on using computers.
Existing Computers
If you and the other party with whom you will participate in video calls already have com-
puters, you already have the base investment to build on. Now all you need to do is ?nd out
if the PC or Mac is capable of performing video calls.
The general rule of thumb is, if your computer is less than three years old, it probably
can handle video call requirements. Of course, you can just try it, and if you have issues,
upgrade the item that gives you problems.All that is required to out?t an existing computer
to perform basic personal videoconferencing are the following:

A full-duplex audio card

A good video card capable of 1,024 x 768 24-bit colors or better

A Webcam

A combination headset/microphone or a microphone and speakers

Video call software
The ?rst two items, the audio and video cards, are probably already in your system and
good enough if they are less than ?ve years old. Most computers come with a sound card
that can perform full-duplex audio, which is nothing more than the ability to send and
receive audio at the same time. Most video cards installed in computers today can provide a
good image for video calls.


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2009年3月29日星期日

Discount Life Insurance Will Give You The Best Protection You Need

There is always a chance that there is a better deal somewhere else, no matter what you are buying. That is why you should research and find discount life insurance. Did you know that life insurance rates can vary as much as 50% between carriers? That's why you should have a licensed professional help you make a good choice in discount life insurance.
Most life insurance professionals work with some of the nation's leading experts in discount life insurance who want to compete for your business. Just the very nature of the name tells you that you will be getting the lowest rates in life insurance. You can get online life insurance quotes at a discount as well as Business life insurance for you and your partners.
Most people looking for life insurance look at the bottom line for the total price. If this is lower than other online life insurance quotes, they feel they are getting discount life insurance. The fact is that you have to compare the details of the policy to see whether or not the policy is really a discount.
There are factors involved in determining whether or not you qualify for discount life insurance. If you fit into the preferred rate class, which involves:
No health problems
Young age
Ordinary occupation
then you won't have any difficulty getting online life insurance quotes at a discount price.
Every life insurance company that provides discount life insurance has different criteria. This is why it is important to shop for online life insurance quotes to make sure that you fit the criteria for the lowest rates in life insurance. Read through the company policies to see whether a medical exam is necessary and then you can request the free online quote.
The premium for the life insurance is the amount you pay for the policy. You have to carefully read the policy to make sure that the discount life insurance stays in place for the term of your policy. There are some life insurance companies that give you a discount on the first year of the policy or the first six months. After that the premiums go up to the regular rate. Reading the fine print is just as important in getting online life insurance quotes as it is in anything else.
Life insurance rates vary, you can find discount life insurance.


 


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Life Insurance Benefits

Life insurance is a legal contract between you and a life insurance company with the purpose of providing an income to spouse, children or other beneficiaries in the event of your death.
There are two different categories of Life Insurance. Term Insurance is designed to provide death benefits for a specific time period. It is set up to pay a death benefit if a person should die in this specific time period. The most common term for life insurance is 20 years. Term insurance has many benefits: it is relatively inexpensive to purchase initially. The reason for this is because your only paying for this death benefit if the death occurs during this specific time period or "term". Term life insurance is great for young couples just starting a family. It is affordable and offers high levels of coverage.
The drawback to Term life insurance is that when you initially start out, your payments are low and coverage is high, but at the end of your 20 year term you decide you still need coverage and the cost is much higher because your are now 20 years older. If you are in good health your premiums will be higher. If you have had any medical conditions in the past 20 years, you may not even qualify for life insurance. Some term life insurance policies do offer a provision that will allow a person to convert their term into permanent life insurance in the first few years of the policy.
The other type of life insurance is Permanent Life Insurance. Permanent is just that-as long as the premiums are paid, the death benefits are paid. One of the benefits a person receives from Permanent Life insurance is that it has a cash value. That means you can borrow money on it. There is no need for a credit check on this type of loan. Basically the life insurance is the collateral.
The drawback to Permanent life insurance is cost. It is much higher premium than that of a term policy.
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