Life Insurance

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Life insurance (or commonly life assurance, especially in the Commonwealth) is a contract between an insured (insurance policy holder) and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the “benefits”) in exchange for a premium, upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses (such as funeral expenses) can also be included in the benefits.

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion.

Life-based contracts tend to fall into two major categories:

Protection policies – designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of a protection policy design is term insurance.
Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the U.S.) are whole life, universal life, and variable life policies.

Our MGT USA sponsors also offer the life insurance policies and tools you need to help provide for the ones you love – now and in the years to come. If you want to learn more about life insurance, please feel free to contact our sponsors or utilize the tools on their website via our MGT USA local portal. Their Life Planning tools and information will help you get up to speed on everything from the basics to advanced planning options.

Mesquite

Mesquite is a city in Clark County, Nevada, United States, adjacent to the Arizona state line and 80 miles (130 km) northeast ofLas Vegas on Interstate 15. As of 2015, the United States Census estimates that the city had a population of 17,496.^[5] The city is located in the Virgin River valley adjacent to the Virgin Mountains in the northeastern part of the Mojave Desert. It is home to a growing retirement community, as well as several casino resorts and golf courses.

Mesquite was settled by Mormon pioneers in 1880, who called it Mesquite Flat. The community was finally established on the third attempt after having been flooded out from the waters of the Virgin River. The name was later shortened to Mesquite, and the city was incorporated in May 1984. Mesquite, like nearby Bunkerville, had its origins in farming. The Peppermill Mesquite casino, which opened in the 1970s, drove Mesquite’s diversified economy. [The Western Village Travel Plaza opened in the 1950s, later owned by the Peppermill [1].] The city incorporated in 1984 and established a master development plan during the early 1990s.^[2] In the mid-1990s, more casinos opened.^[6] By 2006, Mesquite was one of the fastest-growing small towns in the United States, though the late-2000s recession led to the closure of both the Mesquite Star and Oasis (formerly The Peppermill) casinos.^[2]

Mesquite occupies the northeast corner of Clark County and extends north into the southeast corner of Lincoln County. The eastern border of the city is the Arizona state line. The city is in the Virgin River valley, occupying the northern side of the river. The city lies adjacent to the Virgin Mountains in the northeastern Mojave Desert near the southern mouth of the Virgin River Gorge.