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Show Wednesday, March 5, 1980-S- un insurance premature death ol the Term indicated that the their money than even of a the family the breadwinner average rate of return passbook savings gives for family. accounts highest to protection life all provide. paid ordinary insurance Term There are only two a period of time for the insurance policyholders was between basic types of life least cost. It provides does not, however, than twice as build up educational consumer to one and two percent, insurance term and more much all the others. protection per funds for children nor Mrs. shop, comparison They Noyes added.. it cost as the other does dollar said Marilyn Noyes, provide to 50 provide either pure Forty-fivretirement of life insurance. in money. It event the type resource million households are protection family management special- attempting to save of death (term lor they You pay premiums cannot be used as loan be or ist for Utah State through life insurance provide protection only as long as you collateral for cash. surrendered to want the the protect (all plus savings a and University. are receiving no are Research in 1977 much lower return on others). dependents in case of There do not publish figures on the rate of return they pay on savings and this makes it hard for the companies CONSUMERS' CORNER LINDA HUINKER Consumer Information Utah State University If youre using life insurance as a means of saving money, be warned: it may be hazardous to your wealth. Consumers who use the more expensive saving-typ- are receiving a very small rate of return on their money. life e plan savings insurance policies as a Life insurance Advocate, Price, Utah 7B e investment features in term insurance. Adding a savings factor to the term insurance, which is what the other type of life insurance does, has made the purchase more much complicated. Death rates increase as one grows older so the cost of insurance must also increase. Cash value insurance avoids increasing premiums by charging more early in the and policy years that overcharge becomes a savings element. percent rate of does not, however, compete with other rates available in the marketplace. Savers who have less than $10,000 to invest have to settle for rates of 6 to 10 percent at banks and Two 09 Writer&i .6BU 15 Jumbo roll of reinforced Teri Towels for household cleanup. bags. thirty-gallo- FIRE LOG CASE OF 6 (FINAL NET kdtty GRITTY inflation rate than what life insurance companies presently pay. There are, though, a couple advantages of saving through life insurance. Premiums do not increase as significantly over the term as years insurance does. And for people who would otherwise not invest in any other CASE OF 6 39 88 POUNDS savings and loans, but even those rates come closer to the current Clairol Nice'n Easy shampoo in hair color with rich protein conditioners. Ruffies lawn and leaf bags. mms EASY 29 trX'!?S,! TERI ICE N TRASH M DAGS f RUFFIES. return this alternative, forced is savings better than none if held for 20 years. Clairol invisible net hair Kitty Gritty absorbent and deodorant cat litter Twenty-fivpounds. spray. e 12 burning, easy to light fire logs. ounces. result in a loss on ones investments. Just to break COUAIRE AMFM HEATING IPAD PRO STYLE 88 CLOCK RADIO 99 Model .0, R Conaire Pro Style hair dryer. 1250 watts of drying power. 2 speeds, 4 heat settings. No. 085. General Electric Digital clock radio with top mounted clock controls. Red Line automatic electric heating pad. 3 heat settings. Waterproof. BEVERAGE BREWER HIKER $88 0 88 No. A301N Proctor Silex cup automatic coffeemaker with coffee saving basket. 0 many insurance policies, companies will be able to compete effectively for savings dollars, even though they pay a rate of return much lower than the rest of the savings media. Mrs. Noyes said that a report to the Federal Trade Commission in 1979 recommended that the life insurance industry be required to rate the of return to policyholders in a simple and effective manner. The people who Model General Electric personal size portable radio with two way power. No. Mighty fine Skaggs film processing... Sunbeam Mixmaster mixer in almond color with stainless steel bowls. Model even, policies bought in 1977 will have to be held until 1987. Until consumers are aware of the rate of return they receive on their savings through ordinary life insurance disclose PORTABLE ATJlFM RADI ClimASYER life insurance policy held for less than 10 years will actually often Case of six long non-aeros- a in Cashing see for yourself! conducted the investigation of the life insurance industry other challenged insurance commissions to follow the lead of three eastern states that have attempted to enact the cost disclosure system. Most families in this country buy life insurance and yet, its about the least understood purchase most of us make, Mrs. Noyes said. She encourages consumers to look for plain language in insurance policies, to learn what questions to when ask mm It WIND EVERYONE A1 MARCH to buy insurance, life insurance for not as an protection investment. Delicious Maxwell House coffee in your choice regular, electric perc or for automatic Tonsils can be dripcoffeemakers. helpful are 3 WAIT life purchasing and pound size. GETS THESE GREAT BARGAINS! STORE HOURS PRICES WEEKDAYS 9 a.m. 9 p.m. SUNDAY 10 a.m.-- 7 p.m. 720 E. MAIN EFFECTIVE THURSDAY, FRIDAY, SATURDAY, SUNDAY -- PRICE, UTAH find to much mor I Tonsils part of the bodys lymphatic system which protects us from infection. Although tonsillectomy was once thought to prevent recurrent sore throat, recent studies show thpt people deprived of their tonsils have more colds. More serious diseases also seem to in occur people missing their tonsils, among them Hodgkin's Disease, polio, and multiple sclerosis. Many doctors prefer that their young patients keep their tonsils. ft I |