About Cabling Installation & Maintenance

Our mission: Bringing practical business and technical intelligence to today's structured cabling professionals

For more than 30 years, Cabling Installation & Maintenance has provided useful, practical information to professionals responsible for the specification, design, installation and management of structured cabling systems serving enterprise, data center and other environments. These professionals are challenged to stay informed of constantly evolving standards, system-design and installation approaches, product and system capabilities, technologies, as well as applications that rely on high-performance structured cabling systems. Our editors synthesize these complex issues into multiple information products. This portfolio of information products provides concrete detail that improves the efficiency of day-to-day operations, and equips cabling professionals with the perspective that enables strategic planning for networks’ optimum long-term performance.

Throughout our annual magazine, weekly email newsletters and 24/7/365 website, Cabling Installation & Maintenance digs into the essential topics our audience focuses on.

  • Design, Installation and Testing: We explain the bottom-up design of cabling systems, from case histories of actual projects to solutions for specific problems or aspects of the design process. We also look at specific installations using a case-history approach to highlight challenging problems, solutions and unique features. Additionally, we examine evolving test-and-measurement technologies and techniques designed to address the standards-governed and practical-use performance requirements of cabling systems.
  • Technology: We evaluate product innovations and technology trends as they impact a particular product class through interviews with manufacturers, installers and users, as well as contributed articles from subject-matter experts.
  • Data Center: Cabling Installation & Maintenance takes an in-depth look at design and installation workmanship issues as well as the unique technology being deployed specifically for data centers.
  • Physical Security: Focusing on the areas in which security and IT—and the infrastructure for both—interlock and overlap, we pay specific attention to Internet Protocol’s influence over the development of security applications.
  • Standards: Tracking the activities of North American and international standards-making organizations, we provide updates on specifications that are in-progress, looking forward to how they will affect cabling-system design and installation. We also produce articles explaining the practical aspects of designing and installing cabling systems in accordance with the specifications of established standards.

Cabling Installation & Maintenance is published by Endeavor Business Media, a division of EndeavorB2B.

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Patrick McLaughlin

Serena Aburahma

Advertising and Sponsorship Sales

Peter Fretty - Vice President, Market Leader

Tim Carli - Business Development Manager

Brayden Hudspeth - Sales Development Representative

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Whole vs. Term Life Insurance: What’s the Difference?

Two of the most well-known life insurance types are whole and term life insurance. Each pays out a substantial death benefit to the policyholder’s loved ones if the policyholder passes away. With this death benefit, their loved ones can replace the policyholder’s income and pay off debts.

However, the similarities end there. Each policy differs when it comes to coverage length, costs, and wealth-building potential. This article will explain how whole and term life insurance work, then discuss some key differences between each.

How does whole life insurance work?

Whole life insurance is a policy that covers the policyholder for a lifetime. This policy also comes with a cash value growth component. Part of each premium the policyholder pays goes into this component, which grows tax-deferred at a fixed interest rate.

Policyholders can withdraw from or borrow against the cash value once it grows to a certain point. They also can receive the full amount minus surrender charges if they surrender the policy.

How does term life insurance work?

Term life insurance covers policyholders for a fixed time, with term length options of 10 to 30 years. Longer term lengths require higher monthly premiums. When coverage expires, the policyholder may be able to renew their policy or get a new policy to continue coverage.

Key differences between whole and term life insurance

Here are some differences between whole and term life insurance policies:

1. Coverage length

Term life insurance does not last forever. Many insurers allow policyholders to buy coverage lasting 10 to 30 years;some policies shorter than 10 years may even be available. On the other hand, all whole life insurance policies offer permanent coverage. That means they last for life as long as the policyholder stays current on their premiums.

2. Premiums

Term life insurance premiums tend to be lower for the amount of coverage they offer. This is because term life insurance can expire. On the other hand, whole life insurance charges higher premiums than term life insurance to account for lifelong coverage.

According to Forbes, the annual cost of a $500,000 30-year term life insurance policy for a 30-year-old male is just $357. Meanwhile, a 30-year-old male will pay an average of $4,323 for a $500,000 whole life policy. In this case, the whole life policy costs over 10 times as much as the term life policy.

3. Cash value

While whole life insurance offers the cash value growth component, term life insurance comes with no cash value. This prevents term life insurance policyholders from building wealth through their policy and simplifies the policy.

The bottom line

Whole life insurance costs more but lasts for a lifetime and has cash value. This can make it more suitable for policyholders who want guaranteed lifelong coverage and have more complex financial needs.

Meanwhile, term life insurance has no cash value and expires, but premiums are much cheaper. As a result, life insurance shoppers on a budget or with simpler financial goals may like term life insurance better. No matter which policy type a prospective policyholder chooses, it’s smart to shop with multiple insurers to find the best rates on the coverage they need.

Contact Information:

Name: Laura Zimmerman
Email: laura.zimmerman@fidelitylife.com
Job Title: Chief Marketing Officer
(312) 288-0068

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