Sorry investors, there is no such thing as a free lunch

Phrases such as "elephants do ride" and "run your winners and cut your losses" evolving investment adages because they are often real enough to be accepted. There is, however, a world of difference between a good rule of thumb, and something that can inform reliable investment strategy. The bottom line for an investor is: does it work?

The excellent guide annual investment returns of Credit Switzerland and London Business School (lbs.) three of these beliefs is under the spotlight. Proffesors Dimson, Marsh and Staunton the lb overloaded numbers on the effect of size (small shares outperform big ones?), premium value (many labor markets shares are better than growth fast ones?) and momentum (must you return last year winners or losers?). Their conclusions probably disappoint Holy Grail claimants; It looks not as there is a free meal.

The frustrating thing for those seeking a shortcut to the success of investment is that, on the numbers of suggest there may be persistent prejudices that can be exploited by investors. As shown in the figure, £ 1 invested in the stock market UK in 1955 would be pushed to £ 822 at the end of 2010, 12 8pc annualized yield. Not bad, you might think, until you realise investment same index to the companies smaller Hoare Govett (actions that make up the smallest 10pc by the value of the UK market) have pushed £ 3,248 during the same period and the so-called micro-caps which make up the smallest 1pc reportedly worth £ 14,210 by the end of last year.

For much of the 1990s, l'effet smaller company just stopped working, and then, when everyone had abandoned it at the turn of the century, he struck again. The lost decade was essentially a matter of gros-cap.

Evidence for so-called value stocks outperforming the growth stocks is even more convincing at first glance. A study of the top 100 UK market shares goes all the way back to 1900 shows that £ 1 invested in 50 lower dividend yields (a proxy for the growth stocks) have pushed to £ 5,122 at the end of 2010. Still, you may think it was good enough, but only until you realise that an investment in the market as a whole would have pushed to £ 23,335 over the same period and an investment in 50 stocks with highest return (stock value) to a powerful £ 100,160.

Yet again, there is good reason to expect the value of stocks to outperform. It is compensation for the fact that almost by definition, they are lower than the shares of growth opportunities. But what is also clear is that if the expected yields adequately compensate higher-risk. My intuition is that it does, which explains why the best investors seem to share a denier, search for the character value.

Value stock outperformance is a reflection of our gullibility when it comes to attractive growth stories and our willingness to pay for them.

The third approach tested by the lb is even more difficult to use profitably. Yet again, the evidence suggests greenhouse pronounced momentum which choirs from actions which have recently surpassed causes future outperformance too. At the risk of blinding you with even more numbers, back-tests show to buy last year's losers would have net you 3 FP7 per year, while the winners of choirs have given you 14 3pc a year between 1900 and 2010. The power of compounding makes an absolutely phenomenal difference of total return. However, there are two caveats significant to remember with momentum investing. Firstly, in the real world, it is a very expensive strategy to be implemented because the transaction costs eat your statements very significantly. Secondly, as other effects there a bad habit to enter the opposite.

Momentum investor will not forget the whiplash hit they experienced in March 2009, when the market suddenly took off in the opposite direction and above the previous year has become the fastest risers of the market. Unfortunately, it y just not shortcuts.

tomrstevenson@fil.com

Tom Stevenson is an investment at Fidelity International. The opinions expressed here and in his tweets (@ tomstevenson63) are its own

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FTSE today: report - the market here on February 11, 2011.

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However, Wall Street weakened, with the Dow Jones Industrial Average losing 21 points to 12207. Confidence was dented by food giant, Kraft, lowering its full-year earnings forecasts in light of rising commodity costs.

Back on this side of the Atlantic, Barclays was amongst the sharpest fallers after Arturo de Frias, banking analyst at Evolution Securities, reiterated his “sell” rating. While he believed that Project Merlin was good news for Barclays, the next obstacle - capital - will be far more difficult to negotiate.

Barclays fell 4.4 to 308.85p.

But on a more positive note, Legal & General advanced 3.8 to 122.6p on the back of a bullish note from Nomura. Analysts suggested that the market was underestimating the potential of the insurer’s asset management operations. While that division accounts for 21pc of earnings at the moment, the broker reckons that could rise to 37pc by 2013.

Amongst the small-caps, Renovo tumbled 50.75 - or 74pc - to 17.75p after announcing that its anti-scarring product, Juvista, had failed a late-stage trial.

"We are extremely surprised and disappointed by the failure of Juvista to meet the Phase III trial primary and secondary endpoints," chief executive Mark Ferguson said.

"The board of Renovo will now consider all options open to it to maximise shareholder value."

11.40am: Retailers fall back as John Lewis posts underwhelming sales growth

Leading the benchmark index into negative territory during morning trading were the retailers, with Next shedding 64p to £19.99. Marks & Spencer and Kingfisher lost 9 to 362.6p and 4.5 to 248.5p respectively.

Weighing on the retailers were underwhelming weekly sales figures from John Lewis. The department store chain said that its 1pc increase in sales was "admittedly not a large one, but in positive territory nonetheless".

Howard Archer of IHS Global Insight said the small rise, following on from modest declines over the previous two weeks, "reinforces concerns that consumers are reining in their spending".

He added:

"The recent softer trend in John Lewis sales reinforces suspicion that consumers will be very cautious in their spending in 2011 in the face of serious headwinds. Higher inflation (fuelled by January's VAT hike) and muted earnings growth is increasingly squeezing purchasing power. Meanwhile, unemployment is high and likely to rise further, other elements of the fiscal squeeze will increasingly bite as the year progresses (for example, employers' national insurance contributions will rise in April), and debt levels are elevated."

John Lewis was responsible for an even heavier fall on the second tier. Ocado plunged 44.4 to 240.6p after the John Lewis pension fund cashed in its 10.4pc stake in the online grocer, raising £152m.

John Lewis transferred a 29pc stake in Ocado to the pension fund in 2008. The fund sold more than half that holding in Ocado's initial public offering in July, and was prevented from selling the rest for six months. Analysts had been expecting the fund to sell the rest of the holding at some point.

Ocado's share price languished below its 180p float price for much of last year, but has recently perked up as short sellers covered their positions and speculation around a possible bid for the company, which delivers Waitrose groceries.

Analysts at Jefferies, who have a "hold" on Ocado, said:

"We do not see any operational significance from today's development. We do note, however, the extent to which Ocado's equity had recently benefited from a favourable supply and demand imbalance. We believe today's placing is likely to address that technical situation."

Ocado was the sharpest faller on the second tier. The FTSE 250 fell 28 points to 11693 and the FTSE 100 shed 19 points to 6000.67.

Asian indices drop back

Hong Kong's Hang Seng index dropped 0.4pc to 22,620.22, a day after closing below 23,000 for the first time this year.

Tom Kaan of Louis Capital Markets said the drop was led by faltering shares in the company that runs the territory's stock exchange, following a flurry of merger discussions between exchanges that didn't include Hong Kong's.

China's Shanghai Composite index was off 0.1pc to 2,815.61. Australia's S&P/ASX 200 let go of the previous day's gains, dropping 0.3pc to 4,898.60.

Indexes in Singapore, Taiwan, Malaysia and Indonesia were also lower. Japan's markets were closed for a public holiday.

Seoul was the only bright spot, with South Korea's benchmark Kospi rising 0.1pc to 2,010.01 after the Bank of Korea left its key interest rate at 2.75pc despite rising inflation.

Market sentiment was glum as anti-government protests in Egypt picked up steam and Wall Street started to sag after a bright week.

"With Egypt looking like it's blowing up again, investor confidence is really not there," said Kaan. "I am worried about the U.S. market after an eight-day winning streak, you may see a correction coming in and that could weigh on Asian markets next week."

Oil prices jumped as Egyptian President Hosni Mubarak clung to power amid growing protests calling for his resignation. The dollar was up against the euro and the yen.

US stocks finished flat Thursday, dragged down by Cisco Systems Inc. and Akamai Technologies Inc. Both issued weak earnings forecasts, raising concerns about business and technology spending.

Cisco, the world's largest networking equipment maker, had a 14pc drop — the largest fall of the 30 stocks that make up the Dow.

The Dow Jones industrial average lost 10 points to 12,229. The S&P 500 rose a point to 1,321. The Nasdaq composite rose 1.4 point to 2,790.

Stocks traded lower much of the day, despite the Labor Department saying that 383,000 people applied for unemployment benefits for the first time last week, the lowest level in nearly three years.

Economists say applications would need to fall to 375,000 or below on a consistent basis before the unemployment rate will decline.

Benchmark crude for March delivery was up 65 cents at $87.38 a barrel in New York. The contract rose 2 cents to settle at $86.73 per barrel on Thursday.

A surge in Portugal's borrowing costs, meanwhile, again inflamed concerns about Europe's debt crisis, leading to a slip in the euro against the dollar.

The European currency slid to $1.3577, after falling to $1.3593 late Thursday. The dollar was also stronger against the Japanese yen, at 83.44 from 83.32 late Thursday.

Friday's Market Report:

Retailers retreat as FTSE rallies on Egypt relief

FTSE today: market report - as it happened February 11, 2011

Thursday's Market Report:

ICAG nosedives on Air France profit warning

FTSE today: market report - as it happened February 10, 2011

Wednesday's Market Report:

LSE-TMX merger prompts global jump in bourse shares

FTSE today: market report - as it happened February 9, 2011

Tuesday's Market Report:

GKN speeds ahead as car sales accelerate

Tools: Shares and Markets: News, charts, data

Get free advice on protecting your assets with the Telegraph Wealth Management Service

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Retailers retirement as FTSE rallies on the Egypt relief

Next slipped 63 p at £ 20.00, which makes the sharpest faller and Marks & Spencer decreased 3.6 to 368 p after John Lewis posted only a 1. 2pc rise in sales last week, the retailer is described as "certainly not a big"... but nonetheless positive territory.

This news has caused anxiety consumers curb their spending. John Lewis was not the sole culprit behind decline retailers in. Investors were also concerned by rising prices for cotton - yesterday that they have increased the book measuring 3 4pc to a record $ 1.94.

Simon Irwin, Liberum capital analyst, said that he thought rising input costs could cause a decrease in gross margins basis 150 points to next and it cut its forecast for the benefit of 2011-2012 by 6 3pc 544 million to £.

He was rising prices for cotton, saying they were fortified since the next first warned last August cost increases and increasing labour costs. But he said that then takes a "logical approach" dealing with rising costs, while other major retailers seem to be "sitting on the fence".

John Lewis had an impact on inflation, his presence was felt most strongly from mi-caps where Ocado has 30 to 255 p after the Pension Fund of John Lewis cashed in his 10 4pc set.

As Ocado Faller more pronounced on the second level while the FTSE 250 as a whole rose points 76.17 at 11797.77. FTSE 100 gained 42.89 at 6062.9 points. After spending much of the day to keep away, traders congratulates the President of Egypt withdrew.

Missing side of the rally, however, was Barclays after Arturo de Frias, the evolution of the securities, Banking Analyst reiterated his "sell" evaluation. While he thought that the Merlin project is good news for Barclays, he argued that the Bank could harm to meet a capital requirement level 10pc. Barclays fell 2.15 percent 311.1.

But on a more positive note, Legal & General advanced 3.9 to 122.7% on the back of an optimistic note of Nomura. Analysts suggested that the market is underestimating the potential for asset management arm the insurer.

Elsewhere, Diageo has regained some lost ground, initiating 11% to £ 12.06 after disappointing sales in Europe put Gordon gin manufacturer in the niche earlier this week. Analysts have been optimistic sales slowdown with the Royal Bank of Scotland, keeping their ratings on the Brewer "buy."

They said: "surprisingly poor performance of the Diageo in Europe should not divert strong dynamics elsewhere." Peer the Diageo, sab Miller bubbled up 58½p to £ 21.44 as broker even increased its rating to "buy" from "hold".

Shire ignored news that small-cap Renovo the anti-SCARRING, Juvista, lacked a late trial. County has a licence to sell of Juvista in the United States, the Canada and the Mexico; But investors seemed to fall into the underside of the product with Shire case WINS 24 p to £ 16.95. But it is another story of Renovo, collapsed 51½-17 p.

Professor Mark Ferguson, Renovo CEO, said they were "extremely surprised and disappointed by the failure of Juvista Phase III meet primary and secondary trial endpoints". He added that they would now consider all the options open to maximize value for shareholders.

Renovo disappointment comes just a fortnight after Antisoma announced that its leukemia drug did not test finals, sending its shares in freefall. He started 0.05 to 2.5 p.

Between mid-caps, Gem diamonds sparkling, up 13.1% 296.1 as producer of diamonds, De Beers, returns to profit. But Egypt Centamin took the gold medal, advancing 9-149 p, as investors hoped that political unrest in Egypt can now cease.

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Hope that the United States realizes quite what that disorder is in

The US market has, so far, upgraded its international peers this year. Photo: AP

We can only hope that the factions in the Congress have watched and learned the dithering and brinkmanship on this side of the Atlantic and realize what happens when politicians look like they don't know what they are doing.

Markets hate uncertainty, it is hardly surprising that they have become capricious comedy of wheezing sequence of new to save the eurozone, last week, which resulted in a proposal for French Bank tax emerged from nowhere and disappeared just as quickly. European leaders are what make up that they go along, as Greek bail out package of confirmed Thursday.

It is almost unthinkable that Washington itself by default, would therefore thrashed opportunities must be on some sort of compromise being in-depth next week. The debt ceiling will be high and a kind of long-term deficit reduction plan hatched because they must be. Despite the demonstration of Europe in the way that builds confidence, I would be surprised if the negotiation of horse went to the wire.

Markets are thirsty for clarity and to behave strangely in his absence. One of the curiosities of recent years has been the way in which copper and gold have increased in lock-step since the financial crisis.

The wisdom is that Dr. Copper increased when the situation seems to be light for the world economy, but that gold is the product of choice when panic is the watchword.

As shown in the figure, however, the red and yellow metal can both in favour at the same time if the world economy be confused that it is today. Copper is on a tear, because demand in the emerging world remains strong. The new force is an indication at the beginning of the second half of 2011 that may be good for investors on the back of a landing smoothly in China. However, however, increases because the developed world is flirting with disaster again.

A second curiosity has been the resilience of equity markets for the tragedies unfolding of both sides of the Atlantic. Who would have predicted the market would bounce autour in such a narrow band of the impending implosion of the euro or default by Uncle Sam?

As Citi said last week, Europe's equity markets have doubled and reduced half twice each in the past 10 years.

In the current circumstances, it is moving sideways crab as the particular response. Or is it? Perhaps equity markets merely seek through the cuffs to a fundamental underlying. Despite all the macros and the political risks, the performance of the shares reflects the fact that Europe's sovereign crisis and tax disputes across the pond have not reflected material GDP downgrades or declining profits.

Companies, especially those who have healthy exposure on emerging markets are fairly well. It is early days yet, but in the second quarter earnings season looks as if it will be relatively favourable - Apple and IBM beat expectations, Coca-Cola has been well received, even Morgan Stanley hurt less than feared. Assessments, in addition, provide a solid basis to the levels of today.

The US market has, so far, upgraded its international peers this year. I am not surprised. Then the Chinese are curb inflation, the UK sticking stubbornly to a reader of austerity Plan and the Europeans, inexplicably, increase the rate of interest in the teeth of the existential crisis of the euro area, the United States have become aware that the response is growth. The "Bernanke put" remains in place, therefore suppose that American politicians can avoid doing something really stupid in the next week, the case for us equities still looks convincing.

But Europe also, and perhaps that it is now reasonable to ask what could go right. Course, Summit Thursday did not remove the risk on European markets, but when investors are also concerned that they have recently, relief rallies accompanying unusual demonstrations of a common goal can be painful to miss.

There is even one danger that, after having exhausted all other options, we will do the right thing.

tomrstevenson@fil.com

? Tom Stevenson is a Director of Fidelity International investment. The views expressed are his own. Twitter: @ tomstevenson63

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ICAG nosedives on Air France profit warning

Analysts at Investec initiated with "hold" rating price target on ICAG and 281 p. While the merger is expected to produce 400 m € of synergies between now and 2015, analysts are wary that these earnings were more than offset by the recent increase in fuel prices.

Accordingly, the broker has concerns about short-term than consensus estimates revenues for the airline are "overly optimistic".

ICAG lost around 13pc since last listing of fears about the price of oil increases their tribute. Earlier this month, the airline said it would increase its fuel surcharge on long distance services to account for "substantial continuous increase" of oil prices

But analysts at Investec said: "given the uncertain economic environment, we are cautious on the ability of airlines to retrieve cost increases through fuel supplements."

ICAG is one of slaughterers more marked on a day where the broader market sank into remuneration disappointing Red following such as Diageo.

Manufacturer of gin Gordon, fell by 58 p to £ 11,95 after that first half missed earnings expectations due to weak sales in Greece, the Ireland and Spain debt-hit.

Diageo slide weighed on the benchmark, with the FTSE 100 falling 92.00 points to 6020.01 while the FTSE 250 hangar 75.01 points to 11721.6.

The index was also dragged by miners, with Rio tinto and Randgold resources lose 146 p to £ 48.94 and 110 p to £ 45.49 respectively. Aft swiped it as one more small planned 5 billion $ (£ 3 billion) share buyback disappointed investors.

But at the other end of the spectrum, autonomy in the ascendant. Software company giving impetus was an upgrade of UBS, moved from its position to "buy" from "neutral," target to 18.00 raised its price £ 17 hours £.

No there was no sign yet of acquisition raised many of autonomy. After failing his fall timeout to complete an agreement, autonomy said its fourth-quarter results earlier this month that the proposed acquisition was "delayed due to changes in the property targeted", but the asset was still available.

Although the market seems cynical Outlook for acquiring autonomy, the broker said that there is still a possible catalyst.

"The market appears to be very skeptical that autonomy is going to close a deal and we believe that actions reflect not only any possible accumulation such an agreement could provide," says UBS analysts.

Autonomy achieved p 35 £ 16.07, while his peer, Wise software, also checked up 6.7 percent 293.4 to take top spot.

Offering an accessory for the blue-chips, too, was Smith & Nephew. Manufacturer of artificial hips and knees earned 15-727 p after solid Q4 numbers is displayed. Alongside its results, the manufacturer of the medical device - which was speculation persisted control - centre said its Executive Director, David Illingworth, is set to retire.

It will be replaced by Olivier Bohuon, Executive Director of pharmaceutical group French and cosmetics, Pierre Fabre. Sebastien Jantet, analyst of the Investec kept its rating on S & N "hold." He said the company had given its more robust statement of outlook in recent years, but added: "positive direction is likely to be offset by the decrease in bid speculation."

The pair through reading took its toll on British Airways and Iberia, it had the reverse effect on WPP. Advertising agency won 12 to 824 p like his French counterpart, Publicis, scores of the year arrives ahead of forecasts.

Among the second liners, investors were also pleased by the results of Hargreaves lansdown. Securities broker advanced 23½ to 570 p after showing an increase in first-half profit.

But at the other end of the scale, Aberdeen asset Management slipped 12.3 percent 215.9 after Numis downgraded its rating to "reduce" from "hold" is based on solid performance for the price of the end of the following investment management group.

Insurers were, however, request with Beazley and Catlin checking up to 3.4 p 134,1 and 393.6 8.1% respectively. Stimulate the latter was new that he had seen a decrease in smaller than expected for the benefit of year-round in spite of 218 m $ in the claims of natural disaster after New Zealand and the Chile earthquakes and floods in Australia.

Broker Bullish commentary had an impact elsewhere in the ranking. dairy Crest advanced 5.2 to 380 percent than evolution analysts upgraded their recommendation on milk supplier and manufacturer from the city cathedral cheese "buy" from "neutral" and pointed to consolidation in the sector.

Broker believes that if Dairy Crest shares does step re - rate, and then he "cannot exclude approach taken control by a trade buyer or private capital.

"Theo Mueller has built a 3pc set in society and we believe that Dairy Crest may be a target of credible tender for Mueller milk products company," said analysts.

Some aim stocks, mineral Pathfinder acquired 1,125 to 7½p on his first day of business relationships.

Meanwhile, Sareum falls 0.825 - or 32 04pc - 2.1% after announcing a placement to raise £ 500,000. Biotechnology has seen its rocket actions around 70pc earlier this week after positive results of a preclinical study in the most common form of adult leukemia.

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IMF warns markets "not persuaded" eurozone leaders can resolve the debt crisis and prevent damage to the global economy

The IMF said that despite not "support of the euro Member States and the ECB, market participants remain convinced that a lasting solution is at hand".

"It would be very expensive for the euro area but also for the economy to delay to tackle the crisis of the sovereign,"said Luc Everaert, head of the political area of the IMF European common Euro."

The IMF said that despite not "support of the euro Member States and the ECB, market participants remain convinced that a lasting solution is at hand".

He said in a staff report that the results of any political decision would be "unpredictable" and that the euro-zone needed money more private in support of the "most vulnerable" of his "still-frail banks."

The Fund has recommended that the European financial stability facility (EFSF) have increased in size and allowed to buy debt on the secondary market, as a means to mitigate the threat of contagion of the peripheral States of the euro area.

He also said the indispensable to the adoption of the much stronger economic governance of the euro area. "We need more not less Europe," said Mr. Everaert.

Markets she said Tuesday, and the fears of mounting that politicians cannot resolve the sliding equities sent eurozone debt crisis Monday. The FTSE 100 gained 0. 65pc, the Germany DAX 1. 1pc, France CAC 1. 2pc, the Spain Ibex 1pc and Italy MIB 1. 9pc.

However, traders said the rebound was lowest in the belief that the liquidation were exaggerated and the fear is that jitters on a dangerous rift in Europe, top of the criticism of the euro Thursday the advance on the Greece can trigger falls further.

The Summit should attempt to complete a second round of aid for the Greece, a value of €110bn, but nations are divided on how to structure it and comments of Angela Merkel, German Chancellor Tuesday that the Summit will not be the last step in the resolution of the debt of the Greece crisis did not help sentiment.

The the euro fell against the dollar, after she said in a joint press conference with the President of Russian Dmitry Medvedev: "additional steps will be necessary and not simply a spectacular event that fixes everything." Which takes political responsibility seriously knows that such a dramatic step will not happen. »

To solve the problems of the Greece once and for all, the euro area need to consider options to reduce its debt and increase its competitiveness, said.

"Europe is unthinkable without the euro, and therefore it is worth of effort responsible for really solve the problems in the same root", she said.

Russian President says financial woes of the euro area is not a fault of the euro, but a result he used by countries to the uneven economy.

"The main euro today is a problem that a strong and respectable currency serves the countries with very different levels of the economy, said Medvedev." "It never happened in the history of humanity."

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Why buy whole life insurance for children through seniors?

Most of the chat concerning life assurance, is for a term life insurance product. It is understandable, as temporary cover for large amounts of death benefit is usually cheaper. Why? Now, because of the way of the term life insurance. It runs after a set amount of time or a term. The company assures the politics and only provides cover for people who believe they will survive period are insured. So, if you apply for a long-term policy twenty years, and the company your policy questions, they think you're going this time survive! Of course, this is good news, but that really is the security and use, the you for are? You can find any type of coverage missing themselves, only, when you need it most!

If you are without life insurance, just then, if you are middle-aged or older, you will find policy. Senior life policies to can display with very mild underwriting so that most older people qualify. Life insurance, which are guidelines for anyone, no matter what kind of health can, they are issued in guarantees. These are the permanent to cover just whole life insurance, so that elderly people know that they not be leave their children or grandchildren with high expenses and liabilities, it should pass. Younger people so they can be some whole life insurance, the lifetime coverage certainly can to consider buying. In fact, because children are cheaper to insure as much as parents and grandparents, guidelines for minors buy may!

A life insurance guarantees a wait used instead of the areas of underwriting, problem reporting. Full face use figures generally from the after a period of time, two or three years. If the insured person is way before this time, then all bonuses get back pay the beneficiaries with a set amount of interest. You should purchase only this type of insurance, if not life insurance "direct benefit" is available, but in this case it really is a win-win deal.

Senior life insurance pays a direct benefit from the full benefits immediately, even if the insured person dies three days after the policy is issued! The bonuses are usually cheaper than guaranteed life insurance. Many senior require very few health issues and no medical examination guidelines. In fact, if a person in a nursing home and not have a terminal disease, they can use for an immediate qualify!

Here are some reasons to consider senior whole life insurance:

Funeral costs on average $8,000 in the United States, and some cost more than $15,000. Other costs may include travel, transportation of a body or debt. This is a large Bill to leave children.




Can inherit a property to your usually tax exempt. Life insurance is an affordable way to build a legacy for the children and grandchildren.




Whole life insurance actually builds a cash value, and serves as an asset while is the insured person alive. Many whole life insurance actually against on loan or paid.




Whole life insurance policy rates increase, in contrast to some term life insurance no. If you buy life insurance for five-year-old children, or for an adult you have set a rate 65 years old, they can keep for life!




Cash from a life insurance policy can be used in any way, the beneficiary must not use, and it locks you in business with a particular funeral home.

You have not enough savings to ensure that your final expenditure takes care to be, if you want to leave a property for your children or grandchildren, the traditional approach into account drag: whole life insurance!

Learn about whole life insurance for seniors, and then run a Quick whole life insurance quote without obligation!

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