Insurance

Whole life is permanent insurance protection that protects you for your whole life, from the day you purchase the policy until you die, as long as you pay the premiums (保险费).
Whole life can be a solid foundation. Upon this foundation you can build a long-term financial plan, because it guarantees lifetime protection for your family or business.
Whole life insurance provides basic insurance protection, plus Mortgage protection, Estate preservation, Retirement funding, Charitable giving, Business needs...
A life insurance agent will help you determine an amount of insurance needed to protect your family or business in the event of your death.
Generally after the first year, the policy begins to increase cash value. The amount of cash value in your policy usually increases every year. This money can be used to help purchase a home, fund a child’s education, add to retirement income, or for any other purpose. You may also choose to leave it in the policy and allow it to grow.
A whole life policy can earn dividends. Dividends are determined by the company’s board of directors each year and are not guaranteed. When a dividend is payable, you may choose to take it in cash, use it to buy more insurance or to pay or reduce your premiums.
When you die, the company will pay your beneficiaries the death benefit, usually the face amount of the policy plus any dividend. This money is generally received by the beneficiaries free from income tax.
What can whole life insurance do for you

Although it is a common belief that sleeping for at least eight hours a night is vital for health and well—being. the six. year study involving more than 1. 1 million Americans older than 30 found that those who slept for less than eight hours were far from doing themselves any long—term harm。
"Individuals who now average 6. 5 hours of sleep a night Can be reassured that this is a safe amount of sleep. From a health standpoint。there is no reason to sleep longer," said Daniel Kripke , a professor of psychiatry(精神病学)at the University of California, San Diego.
Dr. Kripke said. "We don’t know if long sleep periods lead to death. Additional studies are needed to determine if setting your alarm clock earlier will actually improve your health. "
The scientists. who were funded by the American Cancer Society, found at the best survival rates were among the men and women who slept for seven hours a night. Those who
slept for eight hours were 12 per cent more likely to die during the six—year period of the study,
when other factors such as diet and smoking were taken into account.
Even those who spent a mere five hours a night in bed lived longer than those who slept eight or more hours. However, an increasing death rate was found among those who slept for less than five hours.
Dr. Kripke said. "Previous sleep studies have indicated that both short-and long-duration(持续时间)sleep had higher mortality rates. However, none of those studies were large enough to distinguish the difference between seven and eight hours a night, until flow. \

A. stop celebrating the Fourth of July.
B. celebrate the Fourth of July with fireworks.
C. set off fireworks together with trained professionals.
D. leave fireworks to professionals in their celebrations.