Pikiran Manusia dan Arti Bahasa Tubuh

Tulisan ini dinukil dari buku Hypnotic Power; Rahasia Membaca dan Mempengaruhi Isi Hati dan Pikiran Orang Lain dengan Hipnotis. Ditulis Hari Laksana dan diterbitkan oleh Araska pada 2007.

Alam pikiran manusia dibagi menjadi 3 lapisan: alam sadar (conscious mind), pikiran kritis (ciritical factor) dan alam bawah sadar (sub-conscious mind). Alam sadar adalah pikiran yang biasa dipakai manusia untuk menerima informasi yang diberikan panca indera seperti mengamati warna, merasakan tekstur benda, mendengar suara dan informasi lain. Sedangkan alam kritis adalah pikiran yang bertugas untuk menganalisa setiap informasi yang diberikan panca indera. Sedangkan alam bawah sadar adalah tempat paling dominan untuk mempengaruhi prilaku manusia. Menurut pakar, 88% prilaku manusia dipengaurhi oleh pikiran bawah sadarnya, sedangkan 12% baru oleh alam sadarnya. Pikiran inilah yang menyimpan jutaan faktor kunci prilaku manusia, seperti persepsi, emosi, kebiasaan, intuisi, memori jangka panjang, kreativitas, belief and value dan self image.

Salah satu kenyataan bahwa alam bawah sadar memegang kendali penuh terhadap kehidupan manusia sebagaimana contoh seorang perokok yang kesulitan untuk berhenti merokok. Kebiasaan merokok merupakan hasil kerja dari pikiran bawah sadar. Sedangkan keinginan untuk berhenti adalah hasil logika pikiran sadar. Perokok ingin berhenti merokok karena dia sadar bahwa rokok merugikan terhadap kesehatan dan ekonomi perokok, namun fakta dan logika tersebut dapat dikalahkan oleh kebiasaan yang sudah tertanam kuat dalam pikiran bawah sadar.

Pikiran bawah sadar memuat database manusia yang berisi akumulasi berbagai pemahaman, penalaran, pengalaman, bahkan penularan sejak mulai dia lahir sampai akhir usianya. Oleh sebab itu pikiran bawah sadar cenderung didominasi oleh rasa emosi. Menariknya lagi pikiran tersebut bersifat netral terhadap segala macam informasi yang masuk, netral dalam artian tidak mengenal baik ataupun buruk. Sehingga suatu data yang masuk ke pikiran bawah sadar, maka akan dianggap sebagai suatu kebenaran, meskipun pada dasarnya hal itu adalah salah secara umum.

Sebagaimana ketika kita kecil, orang tua kita sering mengatakan “awas jangan main jauh-jauh, nanti diculik hantu”. Anak kecil yang notabene pikiran sadar dan critical factornya belum begitu sempurna, tidak akan menyaring perkataan tersebut, oleh sebab itu secara otomatis akan masuk ke pikiran bawah sadarnya. Maka sejak saat itu, seorang anak akan menyimpulkan bahwa hantu itu ada, meskipun sejatinya dia tidak pernah melihatnya. Ketika dewasa, walaupun mungkin dia belum melihat hantu, tetapi ketika melewati kamar mayat sebuah rumah sakit, bahkan ketika siang hari, kebanyakan dari mereka timbul gejolak emosional berupa perasaan takut. Artinya rasio/pikiran sadar manusia tidak cukup untuk membuat dia berani, hal ini karena pikiran bawah sadar telah terlanjur menyimpan informasi mengenai adanya hantu.

Contoh lain adalah orang tua yang selalu membentak anaknya ketika kecil. Secara tidak langsung hal tersebut akan membekas di pikiran bawah sadar anak. Dan kelak ketika dewasa jika tidak dilakukan upaya-upaya, maka dia akan menjadi manusia yang kurang percaya diri dan sering takut dalam melakukan sesuatu, hal ini disebabkan karena pikiran bawah sadarnya sejak kecil telah banyak merekam bahwa di dunia banyak larangan-larangan yang jika dilakukan akan menimbulkan kemarahan sebagaiamana yang dilakukan orang tuanya di masa kecilnya.

Critical factor dalam pikiran manusia sangat penting dalam menganalisa segala jenis informasi yang masuk. Pikiran ini lah yang juga dapat melindungi pikiran dari ide, informasi, sugesti atau bentuk pikiran lain yang bisa mengubah program pikiran bawah sadar yang sudah tertanam. Ketika manusia dalam keadaan sadar, ciritical factor akan menghalangi afirmasi atau segala macam sugesti, sehingga ketika hal tersebut masuk ke pikiran bawah sadar manusia maka efeknya akan sangat kecil bahkan tidak ada sama sekali. Saat ahli hipnotis melakukan hipnotis, pada saat itu dia sedang mem-by-pass critical factor orang yang dihinotis. Biasanya by-pass tersebut dilakukan dengan teknik yang dinamakan induksi. Induksi bisa dilakukan dengan membuat pikiran objek dibuat bosan, sibuk, lengah, bingung, lelah dan lain-lain. Sehingga pintu gerbang menuju pikiran bawah sadar yakni critical factor menjadi terbuka atau tidak berfungsi sebagaimana mestinya, maka sugesti sang ahli hipnotis akan menjangkau pikiran bawah sadar. Saat itulah seorang yang dihinotis dalam kondisi trance, dimana critical facotrnya menjadi tidak aktif.

Dari kebiasaan ekspresi yang telah direkam di masa lalu, pikiran bawah sadar manusia juga membentuk suatu pola kebiasaan umum, seperti mata yang turun ketika sedih, terbuka lebar ketika takut, terlihat tidak fokus ketika berkhayal dan lain-lain. Ini yang kemudian menjadi dasar utama suatu analisa bahwa setiap orang mampu membaca atau menganalisa pikiran orang lain. Hal ini dapat dilakukan dengan membaca isyarat bahasa tubuh berdasarkan kebiasaan yang dilakukan. Semisal dengan kontak mata, ekspresi wajah dan gesture tubuh.

Kontak mata mengacu pada suatu keadaan penglihatan secara langsung antar orang ketika sedang melakukan percakapan. Melalui kontak mata, seseorang dapat menceritakan terhadap orang lain tentang suatu pesan, sehingga orang akan memperhatikan kata demi kata melalui tatapan. Sejak kontak mata dilakukan manusia langsung dapat mengukur kemampuan komunikasi lawan bicaranya.

Kontak mata mempunyai beberapa arti: Ketika lawan bicara 60% menatap langsung, berarti dia tertarik; 80% menatap langsung, berarti dia tertarik secara seksual; 100% menatap langsung, berarti perlawanan; menghindari tatapan, berarti menyembunyikan sesuatu atau kurangnya percaya diri; lensa mata membesar, berarti sangat tertarik; tatapan jatuh ke bawah tapi melirik ke kiri dan ke kanan juga berarti tertarik; lirik ke kanan dan ke kiri, berarti bosan; dan kedipan cepat yang mempunyai arti tidak setuju.

Adapun ekspresi wajah meliputi pengaruh raut wajah yang digunakan untuk berkomunikasi secara emosional atau bereaksi terhadap suatu pesan. Wajah selalu mewakili hati dan perasaan seseorang. Dalam berkomunikasi, wajah atau kepala mempunyai beberapa arti: condong ke arah lawan bicara, berarti tertarik atau setuju; menjauh secara mendadak berarti curiga atau tidak percaya; topang dagu berarti bosan; mengangguk berarti setuju; banyak menoleh berarti tidak sabar dan ingin menyudahi percakapan.

Nada bicara dalam berkomunikasi juga mempunyai arti sendri: lambat dan nada akhir turun berarti yakin dan menguasai pembicaraan; penekanan kata berarti otoritatif; nada kecepatan meninggi berarti emosi, tegang atau menyembunyikan sesuatu.

Sedangkan gesture atau gerakan tubuh merupakan bentuk prilaku nonverbal dari tangan, bahu, jari-jari dan kaki. Seseorang menggunakan gerakan tubuh secara sadar atau tidak sadar untuk menekankan suatu pesan. Seperti ketika dia berkata pohon itu tinggi, maka dia pasti akan menggerakkan tangan untuk menggambarkan deskripsi verbalnya. Lain halnya ketika dia berkata letakkan barang itu, lihat pada saya, maka yang bergerak adalah telunjuk yang menujukkan arah.

Gestur tubuh juga memiliki arti: ketika tangan menutup hidung, berarti ada sesuatu atau indikasi berbohong; jari mengetuk-ngetuk berarti tanda bosan atau tidak sabar ingin bicara; dan ketika tangan mengepal berarti tegang, tidak nyaman atau marah.

Bahasa tubuh juga menyimpan arti bahwa seseorang sedang berbohong: ketika mata menatap ke samping (ketika mengucap pada bagian kata yang berbohong); tangan sering menutup mulut atau hidung, meraba hidung atau telinga; atau postur terlihat tidak nyaman.

Hal-hal di atas merupakan pengaruh dari kebiasaan manusia yang dibentuk berdasarkan pola ketiga pikiran di atas. Artinya jika manusia bisa memahami dan menguasai dengan baik ketiga macam pikiran tersebut, maka hal itu juga akan berdampak pada kehidupan sosialnya.

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Insurance Health Care in America for All

We provide medical care for everyone in the United States through our comprehensive, long-term primary care foundation.

The purpose of this policy document is for the American Academy of Family Physics (AAFP) and its board to consider all options available to federal, state, and American citizens to achieve their goal of providing advocacy flexibility. Achieving Health Insurance for All – A goal based on AAFP policies. 

This means that health is a fundamental human right for all human beings, and that the right to health includes universal access to timely, acceptable and affordable health care of appropriate quality.

The US health care system is uncoordinated, fragmented, and emphasizes intervention rather than prevention and comprehensive health care management. Healthcare costs continue to increase at an unsustainable rate, and quality is far from ideal. I, I, I

Over the past two decades, policies implemented through the Children's Health Insurance Program (CHIP) and the Patient Protection and Affordable Care Act (ACA) have resulted in millions of adults who were previously uninsured and ineligible for Medicare. Affordable health care is now available. 

The uninsured population hit a record low of 8.8% under the implementation of these guidelines. iii The greatest increase in coverage occurred in the most vulnerable populations and young adults. However, the removal of some of the policy provisions has increased the proportion of the uninsured to 15.5%. This is pretty much the same as 10 years ago, when nearly 17% of uninsured people were uninsured and nearly 50 million uninsured.

Ensuring that everyone in the United States has affordable health insurance that provides the essential health care (EHB) services absolutely necessary to move into a healthier and more productive society. In addition, our health care system takes into account and addresses socioeconomic status, the housing and employment status, food security, the environment, and other social determinants of health that have a significant impact on individual and group health outcomes and costs. 

As the Commonwealth Fund points out, the design of systems that provide health insurance for all “continuously and systematically improves access to care, equity, quality of care, efficiency and costs. This has a major impact on your ability to control. Control. "Vi

Successful health care reforms aimed at achieving universal health coverage reaffirm the centrality of primary care, revitalize the US primary care infrastructure, and provide and pay for primary care. Exciting research shows that more and more resources are being focused on professional care, leading to fragmentation, poor quality and increased costs. 

Studies show that GP practices are becoming more accessible, promoting prevention, actively supporting patients with chronic diseases and reinventing the way they work to involve patients in self-management and decision-making. The design has been shown to improve quality of care and cost-effectiveness. care.vii

Family medicine and primary care are the only entities responsible for the long-term continuation of care for all patients. The relationship between GPs and patients and their inclusion have the greatest impact on outcomes and costs of long-term care. However, the current US health care system is unable to provide comprehensive primary care due to the way primary care has been and is funded.

According to the Dartmas Center for Evaluation and Clinical Science (now known as the Dartmas Institute of Health Policy and Clinical Practice), Medicare expenditures (hospital reimbursements and Part B payments) in primary care-dependent US states. Less resource expenditure (hospital beds, ICU beds, all medical work, primary care staff and healthcare professionals); reduced usage (doctor consultation, days in ICU, hospital stay number of days and patients seeing 10 or more doctors). Improves quality of care (fewer ICU deaths and higher combined quality score).

Patient-centered healthcare facilities (PCMH) are an approach to providing comprehensive aftercare primary care (APC) to children, adolescents, adults and the elderly. This is a medical model that facilitates partnerships between individual patients, their doctors and, where relevant, their families or carers. 

Each patient has an ongoing relationship with a private GP who is trained to provide first contact, coordinated, ongoing and comprehensive care. Private doctors lead individual teams above the clinical level, which are jointly responsible for the ongoing care of patients. ix

A fundamental shift is needed to shift the focus of the US health care system to one that is inclusive and emphasizes inclusive and collaborative primary care. The current resource must be allocated differently and new resources must be used to achieve this desired result. All payer payment policies must change to reflect the larger investments made in primary care to fully support and sustain primary care transformation and delivery. 

Staffing policies should aim to attract strong leaders from GPs and other primary care physicians who are essential to a highly functional medical team. In order to achieve these changes, the state legislature and/or state legislature must enact comprehensive legislation. Any solution is better if the law only addresses the uninsured and does not fundamentally rebuild the system to encourage and pay for better payments for primary care and primary care in other ways. We are not reaching the full potential to achieve the four goals of good care . Smarter spending. , and a more efficient and happier doctor.

Key elements of the framework

Everyone has affordable health insurance that provides equal access to age-appropriate evidence-based medical services.

Everyone has a family doctor and health facility.

Insurance reforms that introduce consumer protection and non-discrimination policies will continue and will require proposals and options to be considered to achieve universal health insurance. These reforms and safeguards include, but are not limited to, continued issuance warranties. 

Prohibition of buying insurance based on health status, age, gender, or socioeconomic criteria. Prohibition of annual and/or lifetime interest and limitation of coverage. The coverage required for the specified EMS. Compensation is required for certain preventive and vaccine services without co-patient payments.

Each proposal reflects at least twice the percentage of medical costs invested in primary care. • These investments should provide a primary care payment model that supports and sustains the transformation of primary health care facilities and closes the current income gap between primary and subspecialty care. Take care to ensure that general practitioners have a sufficient workforce.

Federal, state, and private funding for medical education will be reformed to establish and achieve national physician staff policies that produce sufficient primary care workers to meet state medical needs. ... In addition, US medical schools have been raised to a higher standard in creating the workforce needed by family doctors across the country.

A series of visits and certain services by your GP is free of charge.

Every universal health system protects the ability of patients and physicians to directly and voluntarily contract a specified or negotiated set of services (eg, direct primary care [DPC]). In addition, individuals can purchase additional or additional private health insurance at any time.

To achieve universal health insurance, the AAFP, following the principles above and with the support of the majority of Americans, combines one or more of the following approaches and recognizes that each has its strengths and challenges. Advocating for partisan solutions.

The multidimensional approach to funding, organization, and delivery of healthcare is aimed at achieving affordable healthcare with competition on the basis of quality, cost, and service. One such approach involves several non-profit and non-profit private organizations and government agencies in providing health insurance coverage.

 

Such a universal healthcare approach should ensure that everyone has access to affordable medical care.

The Bismarck model approach is a multi-payer non-profit public health insurance policy that includes a government-defined benefit package and must cover all legal residents. Doctors and other physicians work independently in a mixed public and private setting.

The single-payer model approach, which is well defined in terms of organizational, funding, and coverage models, is publicly funded and controlled by the public or private, and government provided by physicians and other health care professionals. Raise and provide funds to pay for medical expenses. It works independently or in a private health system.

The public options approach, which is a publicly administered plan that competes directly with private insurance plans for customers, can be statewide or regional. Doctors and other doctors will continue to work independently.

The Medicare/Medicaid purchasing approach builds on existing public programs by allowing individuals to purchase health insurance through those programs. In such a scenario, at a minimum, parity of Medicaid-to-Medicare payments for the services provided by the primary care physician to the patient is required.

Each option to achieve full health coverage has its own strengths and challenges, as outlined in the AAFP Discussion Paper on Health Insurance and Funding Models, commissioned in 2017 by the AAFP Board of Directors, USA and its elected officers and representatives. These include the following important points:

Scope of administrative and regulatory burden on physicians, physicians and other healthcare providers, and patients/consumers

Impact on total healthcare costs for governments, employers and individuals

Satisfaction of patients, consumers, doctors and clinicians tax rate

Impact on on-time delivery (waiting time) of healthcare services and delays in selected healthcare service plans

Clarity of funding model and level of payments to physicians, clinicians and other healthcare providers

Pay, childbirth, and participation of primary care physicians in other health decision-making committees

Description and clarity of the core set of essential health services available to all, particularly primary care and prevention, management of chronic diseases, and protection against catastrophic health care costs.

Impact on the availability and fair delivery of medical services

Impact on Quality and Access

Determine if there are global budget and price/payment negotiations

The need for a clear and consistent definition of the “one-off healthcare system”

Comprehensive basic care

Advanced primary care embodies the principle that patient-centred primary care is comprehensive, continuous, coordinated, connected and accessible to patients for their first contact with the healthcare system. APC aims to improve clinical quality by providing coordinated long-term care that improves patient outcomes and reduces medical costs. AAFP believes that APC is best achieved through a home care model. 

Five key features of the Comprehensive Primary Care Plus (CPC+) initiative, which defines primary care facilities as homes based on the shared principles of the patient-centric Homeix and establishes physician offices that provide comprehensive care and partnerships. Between patient and doctor. A payment system that recognizes primary care members and other healthcare teams and extensive work in delivering primary care. The main tasks of primary health care are:

Any proposal or option to provide health insurance for all should cover a defined set of basic health services. This includes at least products and services in the following performance categories:

outpatient service

emergency service

hospitalized patient

Care of pregnant women and newborns

Mental health and substance use disorders services, including behavioral medicine

Prescription drugs

rehabilitation and rehabilitation services and apparatus

laboratory service

Prevention and health services and treatment of chronic diseases

Pediatric services including oral and vision care

In addition to applying for EHB reimbursement, any proposal or option will ensure that primary care is provided through the establishment of primary care for the patient. When services are provided by the patient's nominated GP to foster a long-term relationship with the GP, any suggestions or options relate to financial limitations (ie, deductions and expenses). the following services.

A. Rating and Administration Services

B. Evidence-based prevention services

C. Population Based Management

D. Good parenting

e. vaccination

F. Mental Health Care

Payable

To achieve the goal proposed in this paper, "Providing Health Coverage to All in the United States Through a Comprehensive and Long-Term Basic Care Foundation" focuses solely on health and primary care. It's not enough. Efforts should be made to identify and reduce healthcare costs, including the administrative costs of providing these services.

A comprehensive health system that prioritizes primary care should also emphasize the cost and affordability of care. This is important not only for consumers, but also for physicians, clinicians, payers and government decision-makers. Affordability is an important element of the US healthcare reform effort.

Prevention and Public Health - There is a need for increased investment in prevention, particularly in prevention services that have been shown to reduce the spread of preventable diseases, such as: B. Access to free vaccines and screening programs. Focusing on reducing preventable diseases can reduce, or at least delay, future costly spend on preventable diseases. In addition, more attention needs to be paid to identifying the social and environmental factors that contribute to the increase in healthcare costs.

Transparency – With increased investment in primary care and healthcare facilities, healthcare plans can not only reduce the cost of treating high-risk patients, but also improve the quality of care. xi This increase in investment must be accompanied by aggressive pricing efforts. Transparency of all supported medical services. Such transparency can help reduce excess health care costs by informing the general public about health care costs and intensifying competition in the health industry.

Integration – Integrative medicine systems are a problem in terms of affordability. 

Integration between medical systems can reduce internal costs such as operating costs, but it also reduces market competitiveness and increases medical and premium costs. xii

Location-independent payment policies – For many medical services, current payment policies often vary significantly depending on the location of the service (for example, hospitals, outpatient surgery centers, and clinics pay more for the same service). This was not the case, and there were significant differences in the quality and outcome of treatment. Such payment policies contribute to overspending in current systems. In addition, these payment policies facilitate integration, reduce competition between providers, and promote overconsumption of expensive medical services. This issue can be effectively addressed by site-independent payment policies and the elimination of some setup fees.

Administration Costs-Part of the total health care costs in the US healthcare system are due to high administration costs. Most of these high management costs are due to the complexity of billing and are exacerbated by many payers. In countries with fixed budgets and few medical plans, administrative costs are low. xiii Of all hospital spending in the United States, 25% is administrative expenses, which is about $ 200 billion. By comparison, Canada spends only 12% of hospital costs on administration, while the UK spends 16% on administration. 

In addition, there was no link between higher management costs and higher quality of care.

Pharmacy and Biology – Advances in pharmacy and biology have improved the health of millions of people, reduced the prevalence of preventable illnesses, and enabled long-term maintenance of chronic illnesses. These advances have increased the life expectancy of millions of people, especially those with chronic illnesses and certain types of cancer. This progress should be celebrated for its positive impact on millions of people. 

However, rising costs of medicines and biologics have made these interventions and treatments out of reach for too many people. Policies need to be implemented to allow health care buyers, including Medicare, to negotiate the cost of prescription drugs. In addition, greater flexibility is needed in the design of formulations that can increase the use of generics and biosimilars.

payment

The AAFP believes that all practitioners should be compensated according to the Advanced Primary Care Alternative Payment Model (APC-APM), AAFP's comprehensive payment model for practitioners and primary care treatment. AAFP believes that APC-APM is a fundamental element of a larger investment in essential services that are essential to a better care system in the United States.

This model is based on years of program and research demonstrating the benefits of increasing support for population-based care away from service costs (FFS). This provides better support for small, independent practices and reduces the administrative burden on the medical department.

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Basic to Learn about Insurance part 2

Bonus payments and billing

Consider this example to see the difference between premium and premium payments.

Imagine paying $ 500 a year to insure your $ 200,000 home. You have 10 years to make a payment, and you make no claim. That's 500 times 10 years. In other words, you paid $ 5,000 for home insurance. You may be wondering why you don't pay so much. In the 11th year, a fire broke out in the kitchen and needed to be replaced. The company will pay you $ 50,000 to repair your kitchen.

If the insurance company returns the money to everyone when there is no damage, it will not be able to build enough wealth to pay the insurance money. Even the $ 5,000 paid in 10 years does not cover the $ 50,000 loss. If there is only one loss, it will be unprofitable for the company. Insurance is based on diversifying risk to many people, so it is gathered from everyone who pays the insurance that allows the company to build an asset and cover it when a claim arises. It is the money that was paid.

What is the reason for insurance premiums to go up or down?

Insurance is a business. It's great for companies to maintain the same level of interest rates at all times, but in reality you need to make enough money to cover potential claims from policyholders.

When the company calculates the amount to be billed at the end of the year and the amount to be received for insurance premiums, it is necessary to modify the charges to make money. Fluctuations in underwriting and changes in interest rates are based on insurer results over the past few years.

Depending on the company you buy from, you may be dealing with a captive agent. They sell insurance from only one company. Brokers offer insurance for many companies.

What are Agents, Captive Agents and Insurance Brokers?

The front line people you deal with when buying insurance are agents and brokers who represent insurance companies. They explain the types of products they have.

A captive agent is a representative of only one insurance company. They are familiar with the company's products and services, but cannot discuss other companies' policies, prices, or product offerings.

An insurance broker or independent agent may deal with many companies on your behalf. They have access to many companies and need to know the product range of each company they represent.

How to determine the required coverage

There are some important questions you can ask yourself to determine the type of coverage you need.

How much risk and money can you expect to lose yourself?

Do you have the money to cover expenses and debts in the event of an accident? What if your house or car is destroyed?

Do you have any savings if you are unable to work due to an accident or illness?

Can you pay a higher discount to reduce costs?

Do you have a special need in your life that requires additional compensation?

What interests you the most? Policies can be tailored to your needs and identify your key protection issues. This can help you narrow down the type of policy you need and reduce costs.

Policy selection based on current lifestyle and life stage

Which insurance you need depends on where you are in your life, what types of assets you have and what your long-term goals and commitments are. Therefore, it is important that you take the time to discuss with your agent what you are looking for in a policy. Finding the right insurance product is a powerful way to manage your money. This way you remain financially secure, even after you make up for the loss.

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Best Insurance in America

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Prudential Financial was founded in 1873. This is a good sign of its reliability. The Insurer Prudential of America also has an AMBest A + rating and a Standard & Poor's AA financial strength rating. 2

Prudential offers fixed-term life insurance, universal life insurance, indexed universal life insurance, variable universal life insurance, and can add supplements such as accidental death insurance, basic insurance, and child insurance to the policy.

Prudential allows you to instantly create an online term life insurance quote. For more information on Prudential Life Insurance, see the full review.

Read Prudential's Whole Life Insurance Report.

Why choose it?

We chose State Farm as the top company in our instant release policy because we can register online and receive lifetime protection without any health checks or hurdles. The excellent ranking and long history of State Farm also helped us put State Farm in our rankings.

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State Farm is another insurance company with a long history. Founded in 1922 by retired farmers, State Farm has grown from a humble beginning to today's wide range of insurance product providers. Currently, State Farm is the 39th largest Fortune 500 company. 4 This company also has an AMBest A ++ financial strength rating. This is the highest rating. Five

Also note that State Farm ranks highest in the US life insurance survey. JD Power 2020 compares the experience of life insurance and annuity customers across the country. 6

With respect to the life insurance products offered, State Farm allows consumers to purchase term life insurance, total life insurance, and universal life insurance. State Farm also makes it easy to enter information and get a free online quote for a period.

State Farm is expanding the coverage of ready-to-use life insurance that can be applied for online, and these insurances can be purchased without a medical examination. However, you need to answer health questions in your application.

How Much Does State Farm Life Insurance Cost? Request a quote online or contact your representative.

Read State Farm's Whole Life Insurance Report.

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Trans-America is not a common name, but it has existed since 1904 and has a solid financial reputation, including AMBest's A rating and S & P Global's A + rating. Only 734 points out of 1,000 odds

TransAmerica also offers a wide range of life insurance including term life, total life, universal life, index-based universal life, and terminal cost life.

Contact an agent at Trans America for quotes on most life insurance products. However, you can get term life insurance quotes online. Premiums for term coverage are usually high. For more information on TransAmerican Life Insurance, see the full overview below.

Read the full TransAmerican Life Insurance Review

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Northwestern Mutual has been in business since 1857 and has a strong reputation for its commitment to providing quality products and services. In addition to being rated A++ by AMBest and AA+ by S&P Global, Northwestern Mutual also has J.D. Customer satisfaction is also featured in Power2020 U.S. Life Insurance Studies.611 highly rated.

Northwestern Mutual offers term life insurance, whole life insurance, and universal life insurance. However, because we employ financial advisors who oversee all financing, a complete financial review is required to accept offers.

In short, you need to work with one of Northwestern Mutual's financial advisors for in-depth information about your finances and life. This is a huge advantage if you need comprehensive financial planning assistance and want to make a life insurance policy part of your overall financial situation.

Read the full Northwestern Mutual Life Insurance Review.

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New York Life has been in business since 1845, a testament to its reliability in the marketplace. The company also has very solid financial strength ratings, such as AMBest's A++ and Standard & Poor's13 AA+ ratings. Additionally, New York Life ranks 6th in the 2020 JD Power US Life Insurance Survey. 23 companies based on satisfaction with customer service and other factors

New York Life offers four main life insurance options: Term Life, Whole Life, Universal Life, and Variable Universal Life. The site also offers a variety of useful life insurance resources and charts to help you compare their policies and offers.

New York Life chose New York Life as the main choice for term life insurance because it offers term life insurance which can later be converted into permanent life. We also offer a customizable disability and terminal illness add-on that allows you to tailor the type of coverage to best suit your needs.

Unfortunately, New York Life doesn't offer free online deals. Instead, you will be asked to fill out a form. A financial expert will then talk to you to get a complete picture of your finances.

Credit: investopedia

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