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Whole life insurance pays a death benefit when you die, there is no specific term. Whether you die in one year or when you are 90 years old a whole life insurance product will cover you. There are many types of whole life insurance, which is sometimes called permanent life insurance they consist of Traditional Life, Universal/Adjustable Life, Variable Life and Universal/Variable Life.

Traditional Whole Life
This type of insurance has no specific term and will continue as long as you continue to pay your premiums. Traditional whole life is usually a level insurance product, meaning that the costs of the premium do not change throughout the life of the policy nor does the death benefit change. Traditional whole life is a simple whole life insurance product.

Universal/Adjustable Life
Universal/Adjustable life insurance is very similar to Traditional Life, but offers more flexibility. For instance, it is generally easy to increase your death benefit and there is usually a savings (more...)

Taking on a kitten is an expensive investment, you must ensure that not only are you prepared for the responsibility of a kitten but you can also afford healthcare and maybe insurance.

Initial vaccinations are now about 45, microchipping about 20 and neutering is around 28 for a male and 37 for a female, not forgetting the wormers and flea treatments.

You may want to consider a slightly older kitten or cat from a charity such as the RSPCA. They neuter and vaccinate their cats before they are ready for re-homing.

When chosing a kitten you have lots of factors to think about: male or female, pedigree or non-pedigree, will it be indoors or outdoors, how old will it be when you get it and will it get on with your other animals? Visit the kitten when it is still with it s mother, check it for any signs of discharge from the eyes, ears and bottom. The coat should be in good condition and the eyes bright. The kitten should be active and alert and though the smallest one (runt) may look cute (more...)