at the bottom of the Main Gospel webpages and the Audio Bible pages. Will work on the Main Page design, to add the “button” on John and also to fix the button design since it doesn’t show up good on Mobiles. (too close to each other).
I changed the border style of the buttons using “border radius”.. then it looks better on the phone view, but I noticed changing the color of the “Listen” button looks more distinct on “Responsive” and smaller devices.
Noticed this on 1/5 so I changed it earlier.
BEFORE:
Fix padding on buttons, either minimize padding or change button design.
Phone view
AFTER:
I just changed the button design, this is how it looks like on Phone View now.
I am just doing that for the Gospels buttons (Matthew, Mark, Luke John). Since I designed this Website Theme using RWD (Responsive Web Design), it should automatically adjust according to ANY device’s screen size.
Got an NGO Text for people to deploy to Colorado. Praying about it. (And also for the people in Marshall, Colorado).
Having had learned details and lessons on the Do’s and Don’ts of “Life, Health, Accident Insurance” for people who are licensed to sell it to consumers, it really opened my eyes too. Had I known these things as a “customer/consumer” of these “what if” products, I would have purchased them myself, as an “extra”.
Some things I got to study also, made me realize how “wronged” I was, when I was trying to get what was “promised” in my old home’s “Home Insurance Policy”. And I could have fought back, had I known that it only takes about “60 days” for an insurer to RESPOND to a claim, and then a customer can take legal action. More consumers NEED to know that.
Having had helped during calamities, disasters, I have been face to face with victims / homeowners, who are in a state of shock most times. And I find that really, in those times, when prayers to God for deliverance from fear, is most needed. Because when one is “fearful” they get prone to making “emotional decisions”, and they need to be reminded of the Truth. We be grateful to God that we survived a calamity.
Sadly, because of all these plandemic, and all the other hoops a person wanting to help would have to go through before they can help, well, that’s not going to be an “easy call” for those who want to step up to help, and then they’s say, “BUT WAIT! DO THIS FIRST!”.
Of course they also have the “Donate” buttons.
When I was in postgraduate school, and the school wanted to go for a “Run / Walk” for premature babies, in order to raise funds, I joined, because I wanted to help raise funds for its research. A much older classmate said to me, “I stopped donating, because I found out it doesn’t go to the people they profess for the funds to go to.” Years later, I learned that too.
For that specific fund-raiser, tt was also a “teaching moment”.for my son, who was also born a “premie”. My emergency c-section wasn’t because of some health issues, I was assaulted WHILE pregnant, which caused me to go into premature labor. But you know, it’s the same “heart for premies” that I have, because I too, have had experience taking care of a 4 pound baby, who, with God’s Grace and Help, as many people lifted my baby up in prayer, he survived, and he grew up like any other kid. What’s more, he turned out very well, considering, I as a single parent, was able to guide him the best way I knew how. And I will always be so proud of him that he graduated from college. And ALSO that he graduated Magna Cum Laude, from college. That to me, is great enough to know that, prayerfully, Lord Willing, my son can well survive on his own.
They say parenting is all about raising your child in such a way that they can survive without you. That they can stand on their own at some point. The bible teaches that too:
When a child is in his teens, or early adulthood, it is fairly COMMON, that parent and child might have arguments, or disagreements. If a child “rebels”, it is not a parent’s fault automatically, nor is it a child’s fault automatically.
There is a miscommunication somewhere, a disconnect, a misunderstanding of “roles”.
Like what I have learned from a book I read before, Kahlil Gibran said “your children are not your children, they are the sons and daughters of life’s longing for itself, they may come FROM you, but they are not OF you.”
I read that before I became a parent. It stuck with me, because at that time, I didn’t have a good relationship, nor a relationship with my own parents. I think that is a common issue of a middle child in a big family. And so I share with others, love and honor your parents anyway. Because number 1, God commanded it. He said:
“16 Honour thy father and thy mother, as the Lord thy God hath commanded thee; that thy days may be prolonged, and that it may go well with thee, in the land which the Lord thy God giveth thee.” – Deuteronomy 5:16 KJV (Context: “The Ten Commandments” – (Deuteronomy 5:1-33) KJV )
When I became a parent was when I understood my parents. So the “training up of a child in the way they should go”, does not equate to, and they will like it when you are training the child, or that they will obey you as you are training them, the proverb said,
There is the “WHEN HE IS OLD” clause! So parents, that’s how we learn patience for our kids! We just tell them, guide them, and it may NOT sink in now, but when they are older, they will remember it and not depart from it.
So what about single parents?
Well, you BE both father and mother, and pray to God for help. “Seek ye first His Kingdom and His righteousness, and ALL will be added unto you.” … let me get the exact verse reference.
When I get tempted to go on “pity parties”, it’s a WILLFUL and DECISIVE act to PRAY, because all that is, actually is merely “spiritual warfare”, a battle for the mind.
The losses and deaths of loved ones bring that about too, grief needs to be processed, because that is the time when people are most vulnerable to wolves dressed in sheep’s clothing.
While Christ Followers point people to Christ, there is that cost to doing that. A “social” cost. But the “spiritual benefit” is what would equip us to continue on living in this wicked world.
When I share my personal testimony about what God has helped me with and pulled me out of, the Truth just comes out.
We all are always faced between right and wrong.
And the “schemy trickery” of the evil one is to make people think that there is the “right” and “almost right” route.
Well, “almost right” is still “wrong”.
Christ Followers pray for “discernment”… people may describe it as “gut feeling”, when you sense that something is “OFF” or something just does not feel right.
That’s called “obeying” the warning you get from our Heavenly Father, who sees ALL. God sees the beginning and the end.
But nothing happens on earth unless ordained by God.
So when something bad happens to you, ASK yourself WHY.
Don’t put other people on top of your blame list.
Realistically ask yourself “what part did I play in this for this to happen?”
THEN LEARN FROM IT. 🙂
And then share with others the lessons you’ve learned from it.
These days, there are companies or organizations that put gag orders on people, ONCE a person has figured out the wrong that they do, especially, if they have done it to you. And then they watch you like a hawk would. NOT KNOWING that there is a God who sees ALL.
I am all about following rules, FOR AS LONG as they do not cause me to break ANY of God’s rules.
Me being the full stack developer of CLG has allowed me to immerse myself in God’s Words, so I am going to be held MORE responsible if I break those rules, knowingly, or unknowingly.
Our job is to share God’s Truth in Jesus Christ. We plant seeds, God makes them grow.
We are also commanded by our Creator, God, to “Not bear false witness” …
“20 Neither shalt thou bear false witness against thy neighbour.” – – Deuteronomy 5:20 KJV (Context: “The Ten Commandments” – (Deuteronomy 5:1-33) KJV )
So those people who put up “fake reviews” or deliver “fake news” have a day of accounting with the Lord God when their time to graduate from this life comes, unless they repent and turn from those wicked ways.
It is wicked, because it tricks people into falling or making decisions, based on lies. It’s lying evil spirits. And of course, when people are lied to, and then they figured it out that they have been lied to, then have to deal with their own “evil angry spirits”.
The apostle Paul teaches that, to warn Christ Followers:
“10 Finally, my brethren, be strong in the Lord, and in the power of His might. 11 Put on the whole armour of God, that ye may be able to stand against the wiles of the devil. 12 For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places. 13 Wherefore take unto you the whole armour of God, that ye may be able to withstand in the evil day, and having done all, to stand.” – Ephesians 6:10-13 KVV (Context: “The Whole Armor of God” – (Ephesians 6:10-20) KJV) https://www.christianlifegroups.com/the-whole-armor-of-god-ephesians-610-20-kjv/
Each day have troubles of its own.
So our question should be, if we died today, are we READY to meet our Creator?
THEN, the next practical question must be, if you died today, who is going to pay for your funeral bills? (If you have money in the bank, well, you can no longer withdraw it, because you are dead, LOL!) Unless you go to your bank and doublecheck and put a POD (Pay On Death) on your bank accounts. But there will be other bills to pay!
This is such a PERSONAL decision and VERY IMPORTANT decision to make. So people just need to know how much insurance they need.
I think also, as a consumer, I never knew what LICENSED Insurance Agents have to go through to get their license and to maintain their license. Insurance is such a regulated industry so people CAN ACTUALLY get informed as to what they are signing up for, BEFORE they sign anything.
What consumers need to know BEFORE they put ANY of their contact information on ANY website form is THIS:
1) CHECK the ACTUAL domain name of the website that is housing the “website form”. For example, if somewhere down the road, this website shallhelp.com would collect email addresses, or any of your Personally Identifiable Information (Name, Address, Telephone Number, Email address), you can expect to receive emails that has a “from” in the email envelope. You can see that in the “Headers” section of every email.
2) There are actual websites who falsely “advertise” that they can send you insurance quotes”. So BE AWARE, that ALL Insurance Companies have to comply with FTC Rules on advertisements, and so they DO NOT allow ANY unlicensed person to provide insurance quotes. ONLY those who have Insurance Licenses CAN actually provide insurance quotes. Remember, Insurance is highly regulated.
So those types of websites that say, you can get quotes from many different insurance companies” are kinda crossing the line somewhere. The information you provide in those types of forms would THEN SELL that information to those who HAVE the Insurance License. They call them “leads”. I call that, because I am in I.T., people who were not informed that their information would get sold. Those types of forms usually have that little “I agree” button, that would say something like you agree to be contacted by people, etc.
3) There are truthful and transparent websites that disclose what they do with your information. So if you want to NOT be bombarded by phone calls or emails, you can FIRST figure out how much coverage insurance that you need, using an actual free calculator, like:
4) And then when you are actually SERIOUS and READY to get an insurance policy, contact a Licensed Insurance Agent. These days, you can get insurance virtually, or by telephone, if face to face is something that you don’t want to do, because of any “covid precautionary measures” you want to take.
5) Expect to provide the Licensed Insurance Agent your SSN, Banking Information (Bank Routing Number, Account Number), and a government issued I.D. These are ALL necessary BEFORE any Insurance Policy is provided. Insurance is an Alleatory Contract, it is dependent on a future event, the ‘in case of” types. But the Insurance Company, before they issue ANY policy, conducts their own type of investigation on a person wanting to “Apply For” an Insurance Contract with them, through the Licensed Agent. They do a Prescription Check and an MIB (Medical Information Board) check. That’s why they need those types of personal information, so that the Insurance Company can make that informed decision whether to ACCEPT the application, or DENY the application. So in case the Insurance Application is ACCEPTED, then they can withdraw the Initial Premium Payment from your bank account. If the application has been DENIED, they will not withdraw anything.
6) The benefit of working with an Independent Licensed Agent or Broker is, they are Licensed and Contracted with different Insurance Carriers, so if you get denied by one company (because they found something that would be “too much of a risk” for the Insurance Company, there are other Companies your agent can find for you, who might be okay with taking on those risks). There is a distinction to what you need to be asking ANY Licensed Insurance Agent, the question is, “Are you a captive Insurance Agent, or an Independent Insurance Agent?”, because a “captive type” of insurance agent has a contract to ONLY sell products from one Insurance Carrier. An “independent type” of insurance agent/broker can have many contracts with different Insurance Carriers.
7) So if I am to build an “Insurance related” website form here, you can rest assured that the email would just stay with me, and will never be sold. (Unless you’ve signed up on a gazillion website forms, then, from my own IT experience, you’re better off creating a new email address – that’s what I did. 🙂 – the annoying part for me and what happened to my new email address is, other people who knew the new email address just loaded it up on their own “autoresponder” software and my phone number on their “autodialers” – WRONG thing to do, so I at least give them the courtesy of providing the exact link to the FTC guidelines, that they SHOULD comply to.) All these types of autoresponder emails can be tracked, and so those who do not know it need to be told that. Maybe they don’t know it yet.
8) I am waiting on other Carrier Contracts to complete. I also have been researching other Insurance Carriers and observing the way in which they process Agent Contracts because that is a great indication of how they will also help future clients. So it’s better, in my opinion, to work with an Independent Contractor, so we all can get to make informed decisions on where to apply to for a policy.
Luke is finished 🙂
https://www.christianlifegroups.com/the-ascension-luke-2450-53-kjv/
Will add those additional recordings and links to the Playlist at:
https://www.christianlifegroups.com/links-to-scripture-by-topic-book-of-luke/
Currently there are 116 recordings on the playlist.
Luke Audio Bible finished! Woohoo!
Luke – 151 recordings at:
Luke KJV – Audio Page
https://www.christianlifegroups.com/luke-kjv-audio/
Gospels Page: (Audio Bible)
https://www.christianlifegroups.com/bible/
Luke Links to Topics Page
https://www.christianlifegroups.com/links-to-scripture-by-topic-book-of-luke/
Removing the verbiage:
“Still in active development. New recordings are added as soon as they are completed.”
from the page, because Luke KJV Bible is now complete 🙂
https://www.christianlifegroups.com/luke-kjv-audio/
I need to create and add Links at the Bottom of the Audio KJV Bibles too.
Currently, they are just at the Home Page … the “or Listen” button.
Links to Audio Playlists:
Matthew
https://www.christianlifegroups.com/matthew-kjv-audio/
Mark
https://www.christianlifegroups.com/mark-kjv-audio/
Luke
https://www.christianlifegroups.com/luke-kjv-audio/
John
https://www.christianlifegroups.com/john-kjv-audio/
John
Manually updated the webpages and added the audio recordings beginning at:
https://www.christianlifegroups.com/the-word-became-flesh-john-11-18-kjv/
and ended at:
https://www.christianlifegroups.com/jesus-heals-an-officials-son-john-446-54-kjv/
Working on adding the recordings now to the John KJV Bible playlist at:
https://www.christianlifegroups.com/john-kjv-audio/
Finished adding 13 recordings.
https://www.christianlifegroups.com/john-kjv-audio/
and
https://www.christianlifegroups.com/links-to-scripture-by-topic-book-of-john/
and
https://www.christianlifegroups.com/bible/
Added also
Gospels (Audio):
Matthew | Mark | Luke | John
at the bottom of the Main Gospel webpages and the Audio Bible pages. Will work on the Main Page design, to add the “button” on John and also to fix the button design since it doesn’t show up good on Mobiles. (too close to each other).
I changed the border style of the buttons using “border radius”.. then it looks better on the phone view, but I noticed changing the color of the “Listen” button looks more distinct on “Responsive” and smaller devices.
Noticed this on 1/5 so I changed it earlier.
BEFORE:
Fix padding on buttons, either minimize padding or change button design.
Phone view
AFTER:
I just changed the button design, this is how it looks like on Phone View now.
I am just doing that for the Gospels buttons (Matthew, Mark, Luke John). Since I designed this Website Theme using RWD (Responsive Web Design), it should automatically adjust according to ANY device’s screen size.
Got an NGO Text for people to deploy to Colorado. Praying about it. (And also for the people in Marshall, Colorado).
Having had learned details and lessons on the Do’s and Don’ts of “Life, Health, Accident Insurance” for people who are licensed to sell it to consumers, it really opened my eyes too. Had I known these things as a “customer/consumer” of these “what if” products, I would have purchased them myself, as an “extra”.
Some things I got to study also, made me realize how “wronged” I was, when I was trying to get what was “promised” in my old home’s “Home Insurance Policy”. And I could have fought back, had I known that it only takes about “60 days” for an insurer to RESPOND to a claim, and then a customer can take legal action. More consumers NEED to know that.
Having had helped during calamities, disasters, I have been face to face with victims / homeowners, who are in a state of shock most times. And I find that really, in those times, when prayers to God for deliverance from fear, is most needed. Because when one is “fearful” they get prone to making “emotional decisions”, and they need to be reminded of the Truth. We be grateful to God that we survived a calamity.
Sadly, because of all these plandemic, and all the other hoops a person wanting to help would have to go through before they can help, well, that’s not going to be an “easy call” for those who want to step up to help, and then they’s say, “BUT WAIT! DO THIS FIRST!”.
Of course they also have the “Donate” buttons.
When I was in postgraduate school, and the school wanted to go for a “Run / Walk” for premature babies, in order to raise funds, I joined, because I wanted to help raise funds for its research. A much older classmate said to me, “I stopped donating, because I found out it doesn’t go to the people they profess for the funds to go to.” Years later, I learned that too.
For that specific fund-raiser, tt was also a “teaching moment”.for my son, who was also born a “premie”. My emergency c-section wasn’t because of some health issues, I was assaulted WHILE pregnant, which caused me to go into premature labor. But you know, it’s the same “heart for premies” that I have, because I too, have had experience taking care of a 4 pound baby, who, with God’s Grace and Help, as many people lifted my baby up in prayer, he survived, and he grew up like any other kid. What’s more, he turned out very well, considering, I as a single parent, was able to guide him the best way I knew how. And I will always be so proud of him that he graduated from college. And ALSO that he graduated Magna Cum Laude, from college. That to me, is great enough to know that, prayerfully, Lord Willing, my son can well survive on his own.
They say parenting is all about raising your child in such a way that they can survive without you. That they can stand on their own at some point. The bible teaches that too:
“6 Train up a child in the way he should go: and when he is old, he will not depart from it.” – Proverbs 22:6 KJV (Context: : “The Proverbs of Solomon” –
https://www.christianlifegroups.com/the-proverbs-of-solomon-continued-proverbs-221-29-kjv/ )
When a child is in his teens, or early adulthood, it is fairly COMMON, that parent and child might have arguments, or disagreements. If a child “rebels”, it is not a parent’s fault automatically, nor is it a child’s fault automatically.
There is a miscommunication somewhere, a disconnect, a misunderstanding of “roles”.
Like what I have learned from a book I read before, Kahlil Gibran said “your children are not your children, they are the sons and daughters of life’s longing for itself, they may come FROM you, but they are not OF you.”
I read that before I became a parent. It stuck with me, because at that time, I didn’t have a good relationship, nor a relationship with my own parents. I think that is a common issue of a middle child in a big family. And so I share with others, love and honor your parents anyway. Because number 1, God commanded it. He said:
“16 Honour thy father and thy mother, as the Lord thy God hath commanded thee; that thy days may be prolonged, and that it may go well with thee, in the land which the Lord thy God giveth thee.” – Deuteronomy 5:16 KJV (Context: “The Ten Commandments” – (Deuteronomy 5:1-33) KJV )
When I became a parent was when I understood my parents. So the “training up of a child in the way they should go”, does not equate to, and they will like it when you are training the child, or that they will obey you as you are training them, the proverb said,
“6 Train up a child in the way he should go: and when he is old, he will not depart from it.” – Proverbs 22:6 KJV (Context: : “The Proverbs of Solomon” –
https://www.christianlifegroups.com/the-proverbs-of-solomon-continued-proverbs-221-29-kjv/ )
There is the “WHEN HE IS OLD” clause! So parents, that’s how we learn patience for our kids! We just tell them, guide them, and it may NOT sink in now, but when they are older, they will remember it and not depart from it.
So what about single parents?
Well, you BE both father and mother, and pray to God for help. “Seek ye first His Kingdom and His righteousness, and ALL will be added unto you.” … let me get the exact verse reference.
33 “But seek ye first the kingdom of God, and His righteousness; and all these things shall be added unto you.” – Matthew 6:33 KJV (Context: “Do Not Be Anxious” – (Matthew 6:25-34) KJV
https://www.christianlifegroups.com/do-not-be-anxious-matthew-625-34-kjv/
When I get tempted to go on “pity parties”, it’s a WILLFUL and DECISIVE act to PRAY, because all that is, actually is merely “spiritual warfare”, a battle for the mind.
The losses and deaths of loved ones bring that about too, grief needs to be processed, because that is the time when people are most vulnerable to wolves dressed in sheep’s clothing.
While Christ Followers point people to Christ, there is that cost to doing that. A “social” cost. But the “spiritual benefit” is what would equip us to continue on living in this wicked world.
When I share my personal testimony about what God has helped me with and pulled me out of, the Truth just comes out.
We all are always faced between right and wrong.
And the “schemy trickery” of the evil one is to make people think that there is the “right” and “almost right” route.
Well, “almost right” is still “wrong”.
Christ Followers pray for “discernment”… people may describe it as “gut feeling”, when you sense that something is “OFF” or something just does not feel right.
That’s called “obeying” the warning you get from our Heavenly Father, who sees ALL. God sees the beginning and the end.
But nothing happens on earth unless ordained by God.
So when something bad happens to you, ASK yourself WHY.
Don’t put other people on top of your blame list.
Realistically ask yourself “what part did I play in this for this to happen?”
THEN LEARN FROM IT. 🙂
And then share with others the lessons you’ve learned from it.
These days, there are companies or organizations that put gag orders on people, ONCE a person has figured out the wrong that they do, especially, if they have done it to you. And then they watch you like a hawk would. NOT KNOWING that there is a God who sees ALL.
I am all about following rules, FOR AS LONG as they do not cause me to break ANY of God’s rules.
Me being the full stack developer of CLG has allowed me to immerse myself in God’s Words, so I am going to be held MORE responsible if I break those rules, knowingly, or unknowingly.
Our job is to share God’s Truth in Jesus Christ. We plant seeds, God makes them grow.
We are also commanded by our Creator, God, to “Not bear false witness” …
“20 Neither shalt thou bear false witness against thy neighbour.” – – Deuteronomy 5:20 KJV (Context: “The Ten Commandments” – (Deuteronomy 5:1-33) KJV )
So those people who put up “fake reviews” or deliver “fake news” have a day of accounting with the Lord God when their time to graduate from this life comes, unless they repent and turn from those wicked ways.
It is wicked, because it tricks people into falling or making decisions, based on lies. It’s lying evil spirits. And of course, when people are lied to, and then they figured it out that they have been lied to, then have to deal with their own “evil angry spirits”.
The apostle Paul teaches that, to warn Christ Followers:
“10 Finally, my brethren, be strong in the Lord, and in the power of His might. 11 Put on the whole armour of God, that ye may be able to stand against the wiles of the devil. 12 For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places. 13 Wherefore take unto you the whole armour of God, that ye may be able to withstand in the evil day, and having done all, to stand.” – Ephesians 6:10-13 KVV (Context: “The Whole Armor of God” – (Ephesians 6:10-20) KJV)
https://www.christianlifegroups.com/the-whole-armor-of-god-ephesians-610-20-kjv/
Each day have troubles of its own.
So our question should be, if we died today, are we READY to meet our Creator?
THEN, the next practical question must be, if you died today, who is going to pay for your funeral bills? (If you have money in the bank, well, you can no longer withdraw it, because you are dead, LOL!) Unless you go to your bank and doublecheck and put a POD (Pay On Death) on your bank accounts. But there will be other bills to pay!
When I did the “Life Insurance Needs” Calculator on this page:
https://www.shallhelp.com/life-insurance-needs-calculator/
This is such a PERSONAL decision and VERY IMPORTANT decision to make. So people just need to know how much insurance they need.
I think also, as a consumer, I never knew what LICENSED Insurance Agents have to go through to get their license and to maintain their license. Insurance is such a regulated industry so people CAN ACTUALLY get informed as to what they are signing up for, BEFORE they sign anything.
What consumers need to know BEFORE they put ANY of their contact information on ANY website form is THIS:
1) CHECK the ACTUAL domain name of the website that is housing the “website form”. For example, if somewhere down the road, this website shallhelp.com would collect email addresses, or any of your Personally Identifiable Information (Name, Address, Telephone Number, Email address), you can expect to receive emails that has a “from” in the email envelope. You can see that in the “Headers” section of every email.
2) There are actual websites who falsely “advertise” that they can send you insurance quotes”. So BE AWARE, that ALL Insurance Companies have to comply with FTC Rules on advertisements, and so they DO NOT allow ANY unlicensed person to provide insurance quotes. ONLY those who have Insurance Licenses CAN actually provide insurance quotes. Remember, Insurance is highly regulated.
So those types of websites that say, you can get quotes from many different insurance companies” are kinda crossing the line somewhere. The information you provide in those types of forms would THEN SELL that information to those who HAVE the Insurance License. They call them “leads”. I call that, because I am in I.T., people who were not informed that their information would get sold. Those types of forms usually have that little “I agree” button, that would say something like you agree to be contacted by people, etc.
3) There are truthful and transparent websites that disclose what they do with your information. So if you want to NOT be bombarded by phone calls or emails, you can FIRST figure out how much coverage insurance that you need, using an actual free calculator, like:
https://www.shallhelp.com/life-insurance-needs-calculator/
4) And then when you are actually SERIOUS and READY to get an insurance policy, contact a Licensed Insurance Agent. These days, you can get insurance virtually, or by telephone, if face to face is something that you don’t want to do, because of any “covid precautionary measures” you want to take.
5) Expect to provide the Licensed Insurance Agent your SSN, Banking Information (Bank Routing Number, Account Number), and a government issued I.D. These are ALL necessary BEFORE any Insurance Policy is provided. Insurance is an Alleatory Contract, it is dependent on a future event, the ‘in case of” types. But the Insurance Company, before they issue ANY policy, conducts their own type of investigation on a person wanting to “Apply For” an Insurance Contract with them, through the Licensed Agent. They do a Prescription Check and an MIB (Medical Information Board) check. That’s why they need those types of personal information, so that the Insurance Company can make that informed decision whether to ACCEPT the application, or DENY the application. So in case the Insurance Application is ACCEPTED, then they can withdraw the Initial Premium Payment from your bank account. If the application has been DENIED, they will not withdraw anything.
6) The benefit of working with an Independent Licensed Agent or Broker is, they are Licensed and Contracted with different Insurance Carriers, so if you get denied by one company (because they found something that would be “too much of a risk” for the Insurance Company, there are other Companies your agent can find for you, who might be okay with taking on those risks). There is a distinction to what you need to be asking ANY Licensed Insurance Agent, the question is, “Are you a captive Insurance Agent, or an Independent Insurance Agent?”, because a “captive type” of insurance agent has a contract to ONLY sell products from one Insurance Carrier. An “independent type” of insurance agent/broker can have many contracts with different Insurance Carriers.
7) So if I am to build an “Insurance related” website form here, you can rest assured that the email would just stay with me, and will never be sold. (Unless you’ve signed up on a gazillion website forms, then, from my own IT experience, you’re better off creating a new email address – that’s what I did. 🙂 – the annoying part for me and what happened to my new email address is, other people who knew the new email address just loaded it up on their own “autoresponder” software and my phone number on their “autodialers” – WRONG thing to do, so I at least give them the courtesy of providing the exact link to the FTC guidelines, that they SHOULD comply to.) All these types of autoresponder emails can be tracked, and so those who do not know it need to be told that. Maybe they don’t know it yet.
8) I am waiting on other Carrier Contracts to complete. I also have been researching other Insurance Carriers and observing the way in which they process Agent Contracts because that is a great indication of how they will also help future clients. So it’s better, in my opinion, to work with an Independent Contractor, so we all can get to make informed decisions on where to apply to for a policy.
So do your own personal numbers at:
https://www.shallhelp.com/life-insurance-needs-calculator/
And then PRAY to be guided on your next steps. The Truth sets all of us FREE. 🙂