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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5 Things You Might Not Know About Term Life Insurance

iQuanti: Term life insurance is a form of life insurance that offers coverage for a fixed period. It's quite simple, offering fewer features than its permanent life insurance counterpart. Yet there are still myths and misconceptions around term life insurance policies. Knowing the truth can help you find the right policy for your budget. With that in mind, this article will dive into five things you might not know about term life insurance.

1. Coverage is for a limited period

Term life coverage doesn't last forever. Once the term ends, your coverage expires. You'll then need to get a new policy to continue your coverage or, if you have a renewal rider, exercise that rider to renew coverage. Depending on your needs, you can choose a term length from 10 to 30 years. Keep in mind that longer-term lengths may cost more in monthly premiums.

2. Coverage is very affordable

You may be wondering, "Does term life insurance have cash value?" Term life insurance comes without the lifetime coverage and cash value features of permanent life insurance. However, this makes it a less expensive option. For example, Forbes found that a 30-year, $500,000 term life insurance policy would cost only $357 per year for a 30-year-old man on average. However, that same 30-year-old man would pay $4,323 per year on average to get a $500,000 whole life insurance policy.

3. You can add coverage with riders

Life insurance riders are additional forms of free or paid coverage you can get to customize your term life insurance policy to your needs. For example, many insurers offer renewal riders for term life insurance. This allows you to renew your policy at expiration without going through a new medical exam to guarantee coverage, although your premiums will increase.

Another example is the inflation rider. This can increase your death benefit by 3% to 5% each year to keep up with and potentially beat inflation. As a result, you preserve your death benefit's value in times of higher inflation. When inflation is low, the rider helps grow your death benefit for a low cost.

4. The death benefit is usually tax-free

Life insurance death benefits are typically not taxed. This makes term life insurance an excellent financial tool in several situations. For example, if you pass away during the policy term, your loved ones get the full death benefit without losing any money to taxes. This helps them replace more of your income and cover more debts.

You can also use term life insurance as an affordable estate planning tool. When you pass away, your heirs could receive more of your wealth, since the death benefit will generally avoid estate taxes.

5. You can get a policy without a medical exam

According to LIMRA's Insurance Barometer study, many life insurance applicants would prefer to get a policy without a medical exam. This is because the exam can delay the process several weeks and may be inconvenient, whether you travel to the examiner or they come to you. Some people even find certain components of medical exams, such as taking blood samples, invasive.

Whatever the reason, you can get a term life insurance policy without a medical exam if you shop around and look for no-exam policies. This helps you get a policy much faster and with less inconvenience. But keep in mind that skipping the medical exam may result in higher premiums.

The bottom line

Despite its simplicity, there are several aspects of term life insurance you may not know about. Coverage can expire, but it's typically more affordable than permanent life insurance. You can add more coverage and customize the policy with riders, and the death benefit is generally tax-free. You also may not need to take a medical exam, since there are plenty of no-exam term life policies out there.

Now that you know more about term life insurance, you can look for a policy with confidence. Make sure to shop around to get multiple quotes — this will help you find the most coverage for your needs and budget.

Contact Information:
Keyonda Goosby
Public Relations Specialist
keyonda.goosby@iquanti.com
(201) 633-2125


Original Source: 5 Things You Might Not Know About Term Life Insurance
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