Universal Life Insurance

Universal Life is a type of permanent life insurance based on a cash value. That is, the policy is established with the insurer where premium payments above the cost of insurance are credited to the cash value. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance charge, and any other policy charges and fees which are drawn from the cash value if no premium payment is made that month. The interest credited to the account is determined by the insurer; sometimes it is pegged to a financial index such as a bond or other interest rate index. The potential advantage of the universal life policy is in its flexibility and the potential for greater cash value growth if the interest rates offered outperform the insurer's general account (that whole life policy cash value growth is based on). Universal life is more flexible than whole life in two primary ways: the death benefit and usually the premium payment are flexible.

Voice over auditions

Do people always say you should do something with that great voice of yours? Do you listen to the voices on TV and radio and think: That sounds like fun. I'd like to do that! What talent should do is make themselves "stick out" at an audition. Be on time, prepared and have several different voices for each character. Versatility and the ability to take direction are the key ingredients! Voice over work can be extremely lucrative and many actors make a living solely from voice over work. If you would like to get into the voice over business, but aren't sure how to get a demo or find a reputable company, go to Voice Over Work. A voice over audition is a tryout by a voice over artist in order to secure work in television, film or commercials.

Do people always say you should do something with that great voice of yours? Do you listen to the voices on TV and radio and think: That sounds like fun. I'd like to do that! What talent should do is make themselves "stick out" at an audition. Be on time, prepared and have several different voices for each character. Versatility and the ability to take direction are the key ingredients! Voice over work can be extremely lucrative and many actors make a living solely from voice over work. If you would like to get into the voice over business, but aren't sure how to get a demo or find a reputable company, go to Voice Over Work.