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Adjustable life insurance is a type of life insurance policy that you can adjust to suit your changing needs. Typically, you will choose the type of coverage you want, and the face amount, and then the life insurance provider will calculate premiums based on that face amount and your personal risk factors. Adjustable life insurance can be permanent or a term life policy. The type of coverage includes the duration of the coverage, too. The first adjustable life insurance policy was sold in 1971.

However, the phrase "adjustable life insurance" can also be used to refer to variable universal life insurance, a type of life insurance that builds cash value and which allows for the death benefit, savings plan, and premiums to be reviewed and possibly changed, again to allow the policy to be more flexible and able to meet the needs of a person's changing circumstances. Universal life insurance was first developed in the mid 1990s to be a relevant life insurance product in an age of increasing consumer financial sophistication. According to the Investopedia, "this type of adjustable life insurance "was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances. For example, if the savings portion is earning a low return, it can be used instead of external funds to pay the premiums."

But, getting back to the original concept of the adjustable life insurance policy, when you purchase one or go to review it you have a few things to think about. Basically, these are: how much death benefit do you want; how much can you afford in premiums; and what type of policy do you want? In reality, you decide on two of these elements and the life insurance company then tells you what the third element will be. The same holds true if and when you make adjustments to the policy. Different life insurers or plans may come with limitations regarding how frequently or by how much you can change your policy, and if you ever want to increase your face amount you will have to re-prove your insurability.

Nothing comes without its price. Adjustable life insurance policies are more expensive than the typical policy for the same coverage. This is due to the fact that they carry extra administrative costs for the insurance company. What's more, many people find these policies to be confusing; being confused with your life insurance policy is not good because it can mislead you about how much coverage you have, under what circumstances a death benefit may not be paid out, how much you are really paying for it, or how much the cash value pot within it is truly worth.

This was another reason why the variable universal life insurance policy was developed: it is more straightforward (though still requires one to have good customer service), and it's less expensive while potentially building up greater cash value reserves.

Adjustable life insurance is probably not needed by most people. However, it can be considered when putting together a long-term financial plan. Still, even within these circumstances, the best adjustable life insurance plan is probably actually the variable universal life policy

The author lives with her husband in Maryland, with their two dogs and cat. She put together the website http://www.affordable-life-insurance-guru.com in order to help the everyday person navigate the often confusing world of life insurance

I've been making money with advertising for about 5 years now, and my income continues to grow. I believe I've found a strategy that works well, is very doable, and one that will work for you too. All you need to do is follow some very simple steps and you will be on your way to a nice online income.

I am not saying it is easy...in fact there is work involved, and as with most things the harder you work the bigger the reward. Building a website can be done quickly, but obtaining a good enough position in the search engine results pages to bring a significant amount of traffic takes time. If you're willing to spend money on PPC ad campaigns or paid links you can get rapid results, but you really need some compelling content to make money from advertising if you are going to pay for advertising to get visitors to your site.

If you already have websites and you have visitors, then you should be advertising because you make money when you do. It's a numbers game. The more visitors you get the more money you make. There are a variety of ad programs out there...and I suppose you could include affiliate links as ads too. I joined some affiliate programs, and I made some money, but I prefer advertising revenue.

I've found that by having good content, ultra-simple layouts, basic good SEO practices including link building, and lots of pages of great content, I can get a lot of search engine traffic. However, be prepared to tough it out for usually at least a year or so. Your site navigation needs to be easy for the search engine spiders to navigate. You need at least 500 words per page, and I typically try to create 100 pages for a site. The more words you have the more opportunity for a search engine to find your page.

Design your site for humans. Make it easy for your visitors to find what they are looking for. Make sure your spelling is perfect and your grammar impeccable. High quality sites do not have poor spelling and grammar. The engines can check the spelling and grammar, and if they can they probably do. It's just one more way they can use to help figure out how good the site is. Use formatting to help the engines figure out what is important by using headings and bold text etc. Do not forget punctuation either. Poor punctuation does not reflect well on a high quality site.

Include a strategy to obtain links from other sites. Since the information available on your website that the search engines can use to rank your site is limited, they use other indicators as well. They can use bounce rates, and other indicators to help them determine how to rank your site. One of the more important ways they can determine your sites importance is by counting the number and the quality of the links to your site from other sites. So obtaining links with good link text from other quality sites is important.

The three pronged approach I use for my advertising revenue stream consists primarily contextual based ads such as AdSense or others. Search engines can easily determine if your site is cluttered up with ads and links, and they most likely reduce the importance of pages that are teeming with ads and affiliate links. I put my navigation links on the left side of the page, a context based ad across the top of the page, another tall skinny contextual ad on the right hand side. Then finally across the bottom of the page I have another contextual based ad. Contextual based ads are the first prong of the three pronged approach.

The second prong of my attack is using impression based ads. At the top of each page I have an impression based ad. These ads pay me 50 cents for every 1000 impressions. I've tried various combinations of CPM vs. PPC ads, and I make a lot more with the pay per clicks like adsense, but then by adding a single CPM ad at the top of each page my earnings from the pay per click ads did not go down, and one of my sites that does about 10,000 page impressions a day makes me an additional $5.00 per day...an extra $150.00 a month.

The third prong of my advertising income is in its infancy, and I believe that in time it will prove to be hugely successful and I intend to be there and benefit from it when it happens. What is this baby internet advertising program? It's called NetAudioAds, and they are 5 second audio ads that play when a visitor lands on your site. Like the CPM impression advertising it pays you for each play. Your visitor does not have to click anything. Like with the other programs, you just place a snippet of code on your web page and they do the rest.

This program also allows you to sign up other webmasters to play the ads on their sites, and when they do you get a portion of the ad revenues for those ads. If you can sign up lots of new publishers you could make a nice income just from their ads playing on their sites. The ability to sign up new publishers and receive a percentage of their ads is permanent, however once Net Audio Ads has decided it has enough publishers signing up converts, it will stop letting new publishers do that.

This 5 second audio ad program, sometimes referred to as 5 second audio ads, and sometimes as GetAudioAds, has lots of interesting things going for it. For one thing, it will only play once every three minutes to any particular web surfer. It does not take up any room on your web page. It's free to join and doesn't cost you a nickel. For advertisers it's great too. No other form of advertising such as radio or TV has the listener sitting with full attention on the computer when the ad plays. With TV and Radio the listener might be in the bathroom, the kitchen, or driving down the freeway. With Net audio ads you know the listener is there because for the ad to play the listener must have just clicked on a link to go to your page. Very powerful stuff.

So there you have it, my three pronged strategy, which includes a potential gold mine in the form of the new 5 second audio ad program.

Learn more about the GetAudioAds Pay-Per-Play 5 second audio ads advertising program at Mr. Lund's website: 5 second Audio Ads

Mr. Lund also has a blog: Pondering Everything