DPL-Surveillance-Equipment.com

These are new product announcements from my main website (Open 24/7/365). We have a life-time warranty / guarantee on all products. (Includes parts and labor). Here you will find a variety of cutting-edge Surveillance and Security-Related products and services. (Buy/Rent/Layaway) Post your own comments and concerns related to the specific products or services mentioned or on surveillance, security, privacy, etc.

Wednesday, April 08, 2015

Life-Insurance Policy-Holders Are Rewarded For Healthy Living







Consumers used to being nudged by employer-sponsored health-insurance programs to get more physically fit and stay in good health may increasingly see the pitch from another place: life insurers.







In the new program, various health readings and activities earn points that are added up to potentially reach silver, gold or platinum status.

Such wellness programs could end up appealing mostly to healthy people who already are inclined toward physical fitness and see the various steps to obtaining discounts as readily achievable, say some industry experts...






Related Article:
Should Health Insurance Be Like Car Insurance?  Be healthy. Pay less. Like Car Insurance. Do Bad Things And Pay More



In the latest move in this direction, Manulife Financial’s John Hancock unit is expected to announce Wednesday a program under which some consumers can save 10% or more on insurance premiums and earn rewards with retailers for steps such as annual health screenings, gym workouts and other physical activity, weight loss, flu shots and online health courses.




Policyholders will receive personalized health goals and can log their activities online. They also receive a free Fitbit fitness-tracking device to monitor their physical activity.




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The Boston insurer’s move follows in the U.S. a “Well for Life” program at Accordia Life, part of Global Atlantic Financial Group.  





Accordia’s program, which has been in place for a couple of years, provides discounts on insurance costs for policyholders who stay within a specified weight range and have a physical examination at least every other year, according to the company’s website.
John Hancock’s version is being run in conjunction with Vitality Group, part of Discovery Ltd., a global financial-services firm that offers wellness programs to employers to include in their benefits programs.




Vitality already offers its wellness program with life insurance in other countries, including Australia and the U.K.





Hancock sees the wellness link as a way to “excite the advisor community” about sales and improve customers’ experience with life insurance, according to materials it provided about the new venture.




The new approach can “disrupt and redefine the life-insurance industry,” a spokeswoman for the company says.


The offering comes amid sluggish sales industrywide. Last year, total life-insurance sales to individuals were down 2% in terms of both the face amount of insurance sold and the number of policies issued, though annualized premiums edged up 2%, according to insurance-industry-funded research firm Limra.





Industrywide sales of individual life-insurance policies are down 45% since the mid-1980s, according to Limra.







About 30% of American households have no life insurance at all, up from 19% about 30 years ago, as mentioned in a story we reported on last year about big life insurer MetLife effort to sell policies through kiosks in Wal-Mart stores.

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A Hancock spokeswoman says a 45-year-old couple each buying $500,000 universal-life policies could save about $25,000 on their premiums to age 85 “and even more if they live longer than that,” assuming they reach “gold” status each year.







Accordia says its wellness feature isn’t intended to attract just healthy and physically fit people.




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The required weight range is based partly on how much a person weighs when signing up.







As an example, it notes a 50-year-old, 5-foot-9-inch woman who weighs 200 pounds would have a range of 129 to 220 pounds.







Before buying into the wellness tie-in, prospective customers should shop around to ensure that the premium rates being offered are competitive, including using comparison-pricing websites such as Term4Sale.com, FindmyInsurance.com and IntelliQuote.com, and direct sellers such as TIAA-CREF (www.tiaa-cref.org) or USAA (www.usaa.com). Prices can vary widely across the insurance industry.




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Hancock is offering the wellness features with both term-life and universal-life policies.  Term life is bare-bones coverage that provides a death benefit if the insured person dies during the “term” the policy is in force. Universal-life policies are designed to be in force for a person’s entire lifetime. They combine a tax-advantaged saving compartment with a death benefit.

 Consumers should be aware that universal-life policies often are marketed by agents on the basis that interest will build up in the savings compartment to become ample enough to pay some, or all, of the annual insurance charges as the policyholder ages. Over the past three decades, as interest rates have generally declined, many universal-life policyholders have been disappointed by lackluster savings buildup and have had to increase their payments into the policies to keep them in force at the original face-value amount.



Your questions and comments are greatly appreciated.



Monty Henry, Owner














www.DPL-Surveillance-Equipment.com










































NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA.

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA: http://www.dpl-surveillance-equipment.com/wireless_hidden_cameras.html

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

• Remote Video Access

• Video is Recorded Locally To An Installed SD Card (2GB SD Card included)

• Email Notifications (Motion Alerts, Camera Failure, IP Address Change, SD Card Full)

• Live Monitoring, Recording And Event Playback Via Internet

• Back-up SD Storage Up To 32GB (SD Not Included)

• Digital Wireless Transmission (No Camera Interference)

• View LIVE On Your SmartPhone!

Includes:

* Nanny Cameras w/ Remote View
* Wireless IP Receiver
* Remote Control
* A/C Adaptor
* 2GB SD Card
* USB Receiver



FACT SHEET:  HIDDEN NANNY-SPY (VIEW VIA THE INTERNET) CAMERAS

Specifications:

Receiver Specs:

* Transmission Range of 500 ft Line Of Sight
* Uses 53 Channels Resulting In No Interference
* 12V Power Consumption
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* Supports up to 32gig SD

Camera Specs:

* 640x480 / 320x240 up to 30fps
* Image Sensor: 1/4" Micron Sensor
* Resolution: 720x480 Pixels
* S/N Ratio: 45 db
* Sensitivity: 11.5V/lux-s @ 550nm
* Video System: NTSC
* White Balance: Auto Tracking
Make Your Own Nanny Cameras:  Make Tons Of Money In A Booming, Nearly Recession-Proof Industry!


Your Primary Customers Include But Are Not Limited To Anyone In The Private Investigator, Government, Law Enforcement And/Or Intelligence Agencies Fields!

* You Buy Our DVR Boards And We'll Build Your Products! (Optional)

















Our New Layaway Plan Adds Convenience For Online Shoppers








DPL-Surveillance-Equipment's layaway plan makes it easy for you to buy the products and services that you want by paying for them through manageable monthly payments that you set. Our intuitive calculator allows you to break down your order's purchase price into smaller payment amounts. Payments can be automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment® Services and you will receive your order once it's paid in full. Use it to plan and budget for holiday purchases, anniversaries, birthdays, vacations and more!


DPL-Surveillance-Equipment's Customers can now use the convenience of layaway online to help them get through these tough economic times.

We all shop now and then just to face a hard reality -- big credit card bills. However, our latest financing innovation can help you avoid that. Find out why more and more shoppers are checking out DPL-Surveillance-Equipment's e-layaway plan.

If you're drooling over a new nanny camera, longing for a GPS tracker, or wishing for that spy watch, but you're strapped for cash and can't afford to do credit, do what Jennie Kheen did. She bought her iPod docking station (hidden camera w/motion-activated DVR) online using our convenient lay-away plan.

Our online layaway plan works like the old-fashioned service stores used to offer. But, in Kheen's case, she went to DPL-Surveillance-Equipment.com, found the iPod docking station (hidden camera w/motion-activated DVR), then set up a payment plan.

"It's automatically drawn from my account," she said. "I have a budget, $208.00 a month.

In three months, Kheen had paid off the $650.00 iPod docking station. She paid another 3.9 percent service fee, which amounted to about $25.35 (plus $12.00 for shipping) for a total of $687.35.

"You pay a little bit each month," Kheen said. "It's paid off when you get it and you don't have it lingering over your head. It's great."

Flexible payment terms and automated payments make our layaway plan an affordable and fiscally responsible alternative to credit cards.

1. Register:

It's quick, easy and FREE! No credit check required!

2. Shop:

Select the items or service you want and choose "e-layaway" as your payment option. Our payment calculator makes it easy for you to set up your payment terms.

3. Make Payments:

Payments are made on the schedule YOU set. Check your order status or adjust your payments online in a secure environment.

4. Receive Products:

Receive the product shortly after your last payment. The best part, it's paid in full... NO DEBT.

More Buying Power:

* Our lay-away plan offers a safe and affordable payment alternative without tying up your credit or subjecting the purchase to high-interest credit card fees.

No Credit Checks or Special Qualifications:

* Anyone 18 years old or older can join. All you need is an active bank account.

Freedom From Credit Cards:

* If you are near or beyond your credit limit or simply want to avoid high interest credit card fees, our e-layaway is the smart choice for you.

Flexible Payment Schedules:

* Similar to traditional layaway, e-layaway lets you make regular payments towards merchandise, with delivery upon payment in full. Payments are automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment®

A Tool for Planning Ahead:

* Our e-layaway makes it easy for smart shoppers like you to plan ahead and buy items such as bug detectors, nanny cameras, audio bugs, gps trackers, and more!

No Hidden Charges or Mounting Interest:

Our e-layaway makes shopping painless by eliminating hidden charges and monthly interest fees. Our customers pay a flat transaction fee on the initial purchase price.

NO RISK:

* You have the right to cancel any purchase and will receive a refund less a cancellation fee. See website for details.

Security and Identity Protection:

DPL-Surveillance-Equipment has partnered with trusted experts like McAfee and IDology to ensure the security and integrity of every transaction. Identity verification measures are integrated into our e-layaway system to prevent fraudulent purchases.

Note: Simply Choose e-Lay-Away as a "Payment Option" in The Shopping Cart



DPL-Surveillance-Equipment.com is a world leader in providing surveillance and security products and services to Government, Law Enforcement, Private Investigators, small and large companies worldwide. We have one of the largest varieties of state-of-the-art surveillance and counter-surveillance equipment including Personal Protection and Bug Detection Products.



Buy, rent or lease the same state-of-the-art surveillance and security equipment Detectives, PI's, the CIA and FBI use. Take back control!
DPL-Surveillance-Equipment.com

Phone: (1888) 344-3742 Toll Free USA
Local: (818) 344-3742
Fax (775) 249-9320

Monty@DPL-Surveillance-Equipment.com

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posted by DPL-Surveillance-Equipment | 9:05 PM

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