All About Business Protection Life Insurance: Update Jan. 30 - 2010 All About "Business Life Insurance" Information By Insurance Experts

It is important that people own a business understand what is business insurance, so they can protect their business in case of any unforeseen event happened causing hardship to the business owner and their family such as business store burned down one day, if you don't carry insurance, you would endured some hard times after that. You make sure you have insurance for anything importance, or anything that could prevent you from earning a living.

Business Life Insurance 12 - Advantages and Disadvantages of Common and Preferred Share Holders

By Kyle J Norton

As we mentioned in the previous article, we know that corporations generally are started by it's original shareholders who provide the start-up cash or assets in exchange for their shares. The corporation may eventually be owned by a large number of shareholders. In this article, we will discuss the structures of corporation shares and types of shares that corporation can issue. There are 2 types of corporation shares: common shares and preferred shares. These shareholders have certain rights:

1. Common share holders
a) Advantage
* right to share in growth of earnings and assets.
*right to sell shares.
* right to vote on Board of Directors and certain issues.
* right to attend company meetings and examine the books.
* right to annual report.
* receive a tax credit on Canadian corporate share dividends.

b) Disadvantage
* last to receive a portion of assets on wind-up of a company.
*dividends are only paid when declared and are related to amount of net earnings.
*dividends are paid after bond interest and preferred share dividends.

2. Prefer share holders
a) Advantage
* dividends are paid before common shareholders but after bond interest
* bonds holders come before preferred shares at the wind-up of the company.

b) Disadvantage
* Less indication of company ownership
* Corporation dividends are usually fixed by the share certificate and affected by the profitability of the company and the intent of the Board of Directors.

I hope this information will help you understand more of the right of corporation shareholders. If you need more information, please visit my home page at:

Kyle J. Norton
http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://businessinsurance12.blogspot.com/
All rights reserved. Any reproducing of this article must have all the links intact.
I have been studying natural remedies for disease prevention for over 20 years and working as a financial consultant since 1990

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Life Insurance - How Small Businesses Can Cope

By Chimerenka Odimba

Many owners of small businesses want to get life insurance policies for their small staff as a way of encouraging them to be more committed to their job. This is a very good idea and should be encouraged. However, due to the hassles they ave to go through to get small business life insurance policies, many of these owners tend to let this idea go. What do we do about this?

The first thing is to find an easier way of doing this.

The first thing as with other types of policies is understanding the policy and then taking time to shop for the right insurer with the right policy for you.

If you have the time - which you may not, get all the information you can get on this policy by talking to as many agent as you can. You can also visit online quote comparison sites to see what they can offer you. Believe me, if you give it time, there are tremendous resource to help you sort through the maze out there.

For the small business owner who doesn't have the time, hire a broker to walk you through the process. Even with the broker, your eyes should still be open to understand what's going on. I personally do not like doing anything until I fully understand it. I guess in these days of fast guys, one can't be too carefully.

Be sure that whatever insurer you eventually settle with has a high rating. Be sure that you achieve your aim of doing good by your employees by getting a life coverage that is both adequate and affordable from an insurer that would be there when you need them.

if you've been discouraged before, don't be. Simply get up (for you to be reading this, you obviously have) and beging shopping for that life insurance policy that would work best for your small business.

How do I start my quotes comparison? Here are two great sites to start your quotes comparison. Life Insurance Quotes! Insurance Quotes! Chimerenka Odimba is the publisher Several finance based sites.

Article Source: http://EzineArticles.com/?expert=Chimerenka_Odimba

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