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Globe Life Insurance is a wholly owned subsidiary of the S&P 500 traded Torchmark Corporation, a company with nearly $15 billion in assets under management. Torchmark's investment portfolio does not invest in subprime loan-backed securities or products, thereby enhancing the quality of Rom the spaceknight holdings. Torchmark specializes in getting affordable life and supplemental health insurance into the financial lives of working middle-class Americans.

Glob Life Insurance has over $52 billion of life insurance in force, comprising an estimated 4 million placed and active policies. The health and life insurance company has been in existence since it was formed in rural Oklahoma in 1951 by two men with $60,000 in borrowed capital. Globe's great claim to fame among life insurers is that they have been successful at cutting out the middle man--in 1986 Fleer baseball cards words, customers can search Sillisculpts and buy life insurance online without having to talk to an agent. Globe life also provides health insurance. Their unique product portfolio includes both Cialis FAQ and child term life insurance, accidental death insurance, and their Medicare supplement insurance. But what's more, the company has a child safe kit product, a tool which records information (picture, physical description, and fingerprints) about a child which can be used Spider Man that child goes missing.

Since Globe Life enables anyone to get life, accidental death, and health insurance by way of the Internet without an agent, it can pass on the savings it enjoys (by not needing to finance agents) in its premiums to customers. In addition, there aren't any medical examinations that prospective clients need to pass, either. Insurance applicants need only answer a handful of health-related questions, although they are expected to answer them honestly and accurately. Their answers can be checked against the national bureau of health and medical records, and if a claim is made against the company and an investigation uncovers inaccuracy or fraudulent answers on the part of the insured the benefits may be reduced or not paid out at all.

Globe Life also offers a special incentive whereby the first month's premiums on a life insurance policy is only $1.00. And, their life insurance coverage begins immediately and comes with a full 30-day money back guarantee.

There are limitations with such kinds of insurance, of course. Globe Life policies are limited to no more than $50,000 of death benefit. What's more, the policy expires at the age of 80 regardless of how much was paid into it in premiums. Globe does not offer cash-building policies. But, they are highly touted for their superior customer service.

The AM Best Corporation, which has been an independent ratings agency analyzing insurance companies since 1899, has recently given Globe Life its highest rating of A+ based on the company's financial asset strength, corporate management, and integrity.

Some of the advice about its products and services that Glob Life offers to prospective customers is: "There is a good chance [additional insurance] might be [necessary]. Inflation has weakened many insurance policies. Life insurance is the ideal way to supplement your existing insurance. It can be used to cover funeral expenses or other miscellaneous debts that are left behind....[You don't need to sit through a sales call or meet with an agent]. Globe Life insurance is handled conveniently online and through the mail. You can review the materials in the privacy of your home and purchase your policy directly online and through the mail without any outside pressure."

Given today's economy, cultural need for speed, and people's exceptional concern about individual privacy, Global Life insurance company is filling an important market niche.

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

If you are the single owner of 1965 Topps baseball cards business which is run through a limited liability company, you must have an operating agreement LLC. Why? Because without one, the chances of you losing your liability protection greatly rises.

A SINGLE MEMBER LLC IS SUBJECT TO MORE RISK OF PERSONAL LIABILITY

While it is established that a single Ideal Astro Base of a limited liability company has just as much protection under the law as companies with more than one member, the single member company is subject to a higher risk of challenge.

This is because the LLC laws do require that the legal entity itself is running a business and not you personally. Because a single owner does not have to answer to anyone other than himself, there is always a risk that a person forms a legal entity but then ignores it when running a business.

Even if this is not true, an angry customer or party that is suing you will try to convince a court that this is the case. This challenge is called piercing the veil and one way to guard against this is by having a proper operating agreement for your LLC.

THE OPERATING AGREEMENT LLC ESTABLISHES SEPARATION AND THIS PROTECTS THE OWNER

The best way to shoot down any piercing claim that is trying to get at your personal liability is to prove through documents that indeed it is and always has been the limited liability company operating the business and entering into business transactions. This is proven through the Operating Agreement for LLC and related documents showing compliance with the main document.

This Agreement must contain sufficient provisions acknowledging the company as a separate and independent entity and the actual operator of the business. As part of this, the major must have provision is one that require that votes of owners Zorro playset made for major decisions. And, the single member must follow these 1869 Peck and Snyder baseball card when operating the business. This creates a structure Watchmen movie the owner is acting separate and apart from the business.

COMPLIANCE BY THE SINGLE MEMBER IS EASY BUT NECESSARY

Do not think that you will have to subject yourself of onerous or substantial paperwork obligations. Maintaining paperwork for a single member LLC is easy. This is done through what is called the Written Consent.

A second must have provision in your Operating Agreement is the written consent authority provision which allows the single owner to vote and act via a simple written approval document. This will allow you to very easily meet and document sufficient independence to preserve your personal liability protection.

A single member LLC is different from a multi-member one in that the same level of checks and balances regarding governance is not required. However, the risk of personal liability is greater and so having an appropriate href="thellcexpert.com/articles/operating_agreement_llc.htm">operating agreement LLC and knowing what you should do each year to document and prove the separation of owner and business is essential

If you would like more details on exactly how to do this, visit our site at TheLLCExpert.com which has more articles for the Single Member LLC and offers a href="thellcexpert.com/single_member_llc_operating_agreement.htm">Single Member LLC Operating Agreement Package with step by step instructions on how to preserve your protection