Selecting A Life Insurance Policy? Follow These Tips!

Nobody wants to die, but it does happen. You need to be prepared for the worst if you want to protect your family from the debts that often come with an unexpected death. The following advice can guide you in your search for the right kind of life insurance.

Understand how much coverage you will need. This is very important. Buying more than you need is an unnecessary expense and choosing a coverage that does not correspond to your needs will leave in your family in a stressful situation. You are going to feel better secured if you choose your life insurance wisely.

It is in your best bet to maintain your health if you plan to purchase a new insurance policy. Life insurance can be expensive. If you are not in good health, it can be very expensive. You should do as much as you can to whip yourself into shape before purchasing life insurance. Eat healthier foods, get to your ideal weight, do whatever it takes. Your insurance premium will reflect your efforts.

Hobbies and professions which are thought to be hazardous to your health can raise the life insurance cost. Think about giving up hobbies like bungee jumping and skydiving because it may reduce your rates. You may also have to pay more if you travel to areas of the world where there’s war, high crime rates or high incidences of fatal diseases.

Working to become more fit and healthy will help you pay less for life insurance. Usually, insurers give those who are healthier better deals since it’s thought that they have a longer life expectancy.

When you are looking for life insurance, get a few quotes. Each company has many different factors on how they rate a customer, appointing individual weights to each. For example, if you are a smoker, you will find that the quotes you receive from different insurance firms will vary. Sometimes they will vary significantly. To obtain the best deal, ask as many firms as possible for quotes.

Use the Internet to your advantage as you shop for life insurance. A good idea is to look at a website that lists policy prices and ratings for multiple companies. Use Insure.com and Accuquote as your starting point.

You can save money by choosing a more extensive coverage. Some insurance companies will actually charge you less money if you buy a higher amount of coverage, which saves you money and provides more coverage for your family in case something happens.

Guaranteed issue insurance policies should be avoided at all costs. Before considering this type of plan, you should first be sure that you have exhausted all other options. This type of policy is essentially put together for individuals with pre-existing medical conditions. One good thing about this insurance is that you don’t have to have a medical exam to receive it. Due to this fact you will also find yourself paying higher premiums. The coverage you receive will also be more limited.

As you know, death can strike at any moment and without warning. Unfortunately for some, it comes sooner than they expect. Disastrous events for your family could occur by not planning properly. Use what you have learned in this article to protect your family should the worst come to pass.

Are You Getting The Most From Your Life Insurance? Find Out Here!

One thing that everyone wants to do is care for the ones that are important to them. If you want to ensure that your family is secure even when you are gone, then life insurance is a necessity. In this article, you will find a variety of tips that will help you find the best insurance policy to fit your needs.

Though term life insurance policies may be less expensive, they do not offer permanent coverage. Term policies are often touted for their affordability. A whole life insurance policy counts as a financial asset, and you can even borrow money against it. Term life insurance, on the other hand, is only good for the amount of time you pay for.

Understand how much coverage you will need. This is very important. By over-buying insurance, it could become costly and by not buying enough, you could leave the family with pointless financial stress. If you make correct decisions, you’ll feel more secure.

Medical History

Prior to purchasing your life insurance, shop around and compare prices. There is huge variability (up to 50%) in premiums for comparable policies, so use internet-based quote comparison sites to ferret out the best deals. Look at quotes that reflect your personal and family medical history. You may need to provide some general medical history to get accurate quotes.

You should not feel pressured to invest in a policy that pays a significantly large sum of money. That would only serve to deplete resources while you are still walking the earth. Purchase a life insurance policy that will cover your funeral and some help for your family only. This way you do not end up in the poorhouse paying large premiums on a huge policy.

Try to make sure that you disclose and job or hobby that might be high risk. Your policy will be more expensive but you will be ineligible for coverage in case something happens to you while practicing a dangerous hobby your insurance company was unaware of. Keeping this information from them can be construed as fraud, and could cause huge penalties.

If you are using the Internet to request life insurance, don’t provide too many personal details. Often, scammers set up fake life-insurance sites to gain access to people’s personal information. For just a simple quote, you should never need to give more than your home zip code.

Think about getting life insurance if there are people who are supported by your financial income. Life insurance helps to ensure that the mortgage on your home can be paid or that your children can attend college in the event of your death.

If you are looking to purchase life insurance, and want to save a little money, just better your health. If you are healthier, you will more likely get a good deal on your insurance rate since you are expected to live longer.

Purchase more life insurance to save money overall. Sometimes your life insurance premium may be lower if you purchase more coverage.

Pay attention to your gut feelings when dealing with advisers or agents trying to sell you life insurance. If an agent tries to downplay the importance of ratings, or claims to have inside information, run the other way, and then get on the phone to corporate and complain.

Guaranteed Issue

To ensure you find the best type of policy available, you should stay away from guaranteed issue life insurance policies. Guaranteed issue policies are intended for individuals with preexisting health concerns. Unlike other kinds of life insurance, this variety typically does not necessitate a medical exam, although premiums are much higher and coverage is generally only available in limited amounts.

When you are considering buying a policy, find out what the cancellation procedures are. Yet, if you don’t want to change your policy then you can be happy about it and keep it the same. Some insurers will charge you a fee or penalty if you cancel your policy. Consider finding an insurance carrier who doesn’t charge a fee for cancellation or changes to your policy.

Buying whole and universal life insurance policies are expensive and may not be affordable to many families. Universal and whole life policies give a savings component that doesn’t expire. Most people buy term insurance. It provides for your family’s financial security in case of your death, and costs less than whole insurance.

Life insurance, as previously mentioned, is one of the best ways to ensure your family’s safety in the unfortunate event that you are no longer around for them. Take time to incorporate the advice here so that you can feel confident that you have provided well for your family.

A Guide To Shopping For Life Insurance

When shopping for life insurance, it is important to understand the basics of the business. You should start by finding out which resources you can use and who can answer your questions. The following article is an excellent resource for you to begin with.

Term policies, just as their name suggests, are limited as to how long they will stay in effect. In fact, one of the only advantages of term policies is that they are much more affordable than other types. However, when you put money into a traditional policy, you’re investing in a kind of permanent financial asset. If you’d like, you can even borrow against your traditional policy. In contrast, term life insurance lasts only as long as you keep up the payments.

Take the time to shop about and compare prices and policies before you purchase. Premiums can vary around 50% from the different providers, so try using online comparisons to find the cheaper quotes. You should only compare quotes that take in consideration your previous medical history.

You may find that life insurance premiums will be higher if your hobbies are high risk activities such as skydiving or drag car racing. The fees for your policy can increase significantly if you happen to have a risky occupation such as a firefighter or drag racer.

Buy your life insurance through your financial advisor, rather than using a broker. Brokers will earn a commission from every life insurance policy they sell you. Financial advisers only get the flat fee you pay them. This creates an adviser with more ambition towards honesty and a broker with the higher priority of “making a sale”.

Ensure your health is optimal when you begin shopping for an insurance policy. Life insurance is a real expense. You can minimize this expense by staying healthy. Get in shape before you start shopping for a policy. Adopt a healthier diet, and shed some of your excess weight. Do whatever you have to. This will reduce the cost of the policy by a large amount.

Make sure you get an appropriate amount of insurance. Find out how much coverage you are going to need and who all needs to be covered before you begin looking around. This step-by-step process can save money on all ends of the spectrum. Evaluate the value and expenses of your current mortgage, as well as tuition payments, taxes, and the retirement that yourself or your spouse are planning.

As you have seen in the above tips, there is a lot of knowledge you can acquire before choosing and purchasing a life insurance policy and it’s this knowledge that can help you with your future. Do everything you must to find out what policy is best for your needs.

Make The Most Out Of Your Life Insurance Experience

Although an integral and unavoidable part of practical living, insurance isn’t necessarily something people love to discuss. You must get over the hurdle of coming to terms with life insurance and acknowledge that it is a vital part of estate planning. The tips that follow are only a sampling of the useful tools and ideas that will help you to make a wise decision.

You will want to assess your family’s needs and the lifestyle they are used to when calculating how much life insurance you will need to purchase. Each member of your family will have their own particular needs that will have to be taken care of if a death in the family occurs. The coverage of your life insurance policy should be enough to cover those you love.

Term policies, just as their name suggests, are limited as to how long they will stay in effect. The key selling tactic with term life insurance is in the fact that it is cheaper than traditional policies. Traditional life insurance is permanent and can be borrowed against. Actually, term policies are valid only during the time that you are making your payments.

Calculate your actual life insurance needs, and let the result guide how much you purchase. You don’t want to pay extra premium for a policy you don’t need. However, you also do not want to leave your family wanting either. Make educated decisions to get the best out of life insurance.

Take in consideration ongoing and fixed expenses when choosing a policy. Your life insurance benefits will also likely be needed to cover your funeral costs.

Obtain life insurance from financial professionals, not through brokers. An insurance broker earns a large commission from any insurance policy you purchase. Conversely, many financial advisers only get paid one flat fee. Because of this, a financial adviser will be far less driven to make a sale, and is more likely to be honest with you.

You should work to become healthier before you look into purchasing life insurance. Life insurance is something that is quite costly. It can cost even more if you are in poor health. Prior to buying coverage, be sure to improve your health. Start eating right, get thin, and do anything else that is required. Being in good shape will save a lot of money on your premiums.

Make sure that you land the proper levels and limits of coverage for your life insurance before you make the final commitment. Figuring out how much you need can be a confusing process, but it will save you a great deal of grief in the end. Think about how much you spend on mortgage, tuition, taxes and retirement, to determine how much coverage you need.

Save Money

You can save money by choosing a more extensive coverage. With many companies, you’ll end up paying less if you purchase a bigger amount of coverage. That means you’ll save money while getting a broader array of coverage for you and your family.

Decide how you’d like to buy a policy. You can buy it yourself or buy it through the company that you work for. Likewise, you can even consult a commissioned financial planner who can make an informed purchase for you.

Watch for any warning signs from an insurer when you are shopping for life insurance. For example, agents should not claim to have more knowledge than ratings agencies do about insurance companies. Neither should an agent dismiss ratings as unimportant, or claim that ratings are not available. If any of these things happen, make a complaint with the company’s customer service department.

When you are seeking life insurance, it is more beneficial for you to utilize the services of an independent broker over those of a firm that specializes in life insurance. A good broker will offer you different options and help you compare policies and prices from different companies. An insurance company will let you know only about their products. Since life insurance is a long term obligation, shop around before making your choice.

Life insurance can provide you with a soundness of mind that other types of insurance cannot. By planning for this event, you make it possible for your loved ones to go about their lives as comfortably as possible. Buying the right policy for a price you can afford will be easy if you use the tips you’ve read in this article.

Several Tips For Choosing Life Insurance Wisely

After you pass on, your family will need some kind of financial protection, and that is the main goal of life insurance. Read through this article and see what it has to offer for you.

Remember that the reason it is inexpensive, is that term life insurance does not cover your whole life. In comparison to other life insurance options, term policies are relatively inexpensive. However, a traditional policy will be a financial asset forever. You can even borrow against it. A term life policy will only last for the time period agreed upon.

Make sure that you are adequately covered in the sum insured before you make your purchase. Purchasing a larger policy than you need can be expensive, while buying too little can cause financial strain for your family if something happens to you. When you make the best decisions about life insurance, you will be more at ease.

You do not have to enroll in a policy that gives you a huge amount. This can make your current life extremely stressful. Just get an insurance policy that gives your family enough money to get by in the event of your death.

Make sure you don’t get too much or too little life insurance. It can be overwhelming to consider all of the options and terms, but in the end, it will cost you less and better protect your family. You need to consider your mortgage cost, property taxes, college tuition and your spouse’s retirement along with inflation, when figuring out how much coverage to get.

Improve your health for a cheaper life insurance policy. In general, insurers give healthier people better deals since they have a greater life expectancy.

To save money when buying a life insurance plan, try to get away from paying high commissions. These fees are contribute to higher premiums, and are charged to pay insurance brokers or agents. Policies such as “no load” policies might save you money, because they are bought directly from the insurance company, so the commission to an agent is eliminated.

Use the power of the web when you are looking for the right insurance policy. To look at all options, go to various websites and compare prices. Also, view the ratings for each company. Use Insure.com and Accuquote as your starting point.

Purchase additional life insurance for family members to save more money. You may actually find that some companies will charge you a smaller amount of money for a bigger amount of coverage, thereby both saving you money and providing your loved ones with more protection.

Determine how you want to obtain your policy. You may be able to purchase insurance through your employer. You can hire a financial planner or an agent if you can afford to.

Keep an eye out for any red flags coming from advisers, or anybody you plan on hiring or purchasing products from. If an agent tells you the ratings available for the company they work for are not relevant, you should file a complaint right away.

When you take out a life insurance policy, be sure you know what the options are for cancelling it. Remember that you might have to cancel your insurance if you cannot afford it anymore. Some companies out there will charge a form of penalty for cancelling out of the policy. You should be aware of what fees you might have to pay should you decide to cancel the policy.

If you are shopping for a new life insurance policy, conducting research is very helpful. However, you should also consult an experienced professional. A professional can help you determine what your needs are, and what kind of policy would be best for you.

Before purchasing life insurance, compare all of the policies available to you. While many policies have similar features, some policies last longer than others. In another case, if several policies offer the coverage you have decided on, one may be preferable because of cost. Finding the best possible option will require you to spend some time researching companies and policies.

The questions you ask should be pertinent and very detailed. If your agent cannot answer these questions in full confidence, you need to find someone who can. Ask about cancellation, or possibilities to renew your policy. This is all extremely important information if you are looking for the greatest deal.

Because it is so important, staying informed will help you make the best decision when purchasing life insurance. And you can utilize these tips to do just that.

Life Insurance Policy: What Do You Need?

There are many considerations that are important to address when you are shopping around for life insurance. You will find plenty of useful information here that encourages you to quickly and easily discover more about the overwhelming topic of life insurance.

Take into consideration your family’s financial obligations when you are determining the proper amount of coverage. Each family has unique requirements that you need to consider when planning for an unforeseen loss. Your goal is to make sure that your family is covered the way you see it fit, should anything happen to you in the near future, you want to feel secure if you leave them behind.

Your premiums will go up if you practice a dangerous hobby or have a hazardous job. If you are paying too much for insurance, consider giving up risky hobbies such as bungee jumping, scuba diving or skydiving. Traveling to risky areas around the world could also make you ineligible for discounts.

It is a good idea to investigate the company which underwrites your policy for life insurance. They need to be reputable and large enough to handle any claims. While a smaller firm may be able to offer more attractive and affordable rates, this means absolutely nothing if the company is incapable of delivering results.

Whenever you submit data online in connection with a potential purchase of life insurance, be sure to limit the type of data you reveal. Scammers often hide under the cover of selling insurance, but really, they want your information for nefarious purposes. Keep in mind, your zip code is all that is needed for the first stage of getting an insurance quote.

If you have financial dependents, you should purchase life insurance. If you drop dead one day, the life insurance will pay any large expenses you leave behind, such as a mortgage or your kids’ college education.

Don’t pay higher commissions when buying life insurance. Commissions are paid to your insurance agent or broker, but the cost of commission is a part of the price that you pay. Look for a “no load” policy, as these policies won’t include annual fees. No load policies are usually bought directly from a life insurance company.

Decide how you are going to find and purchase a life insurance policy. You can buy it yourself or buy it through the company that you work for. You can also purchase a policy using a financial planner, or a local insurance agent.

Avoid signing up for “guaranteed issue” life insurance policies. These polices are intended to provide coverage for those with existing health problems. Unlike other kinds of life insurance, this variety typically does not necessitate a medical exam, although premiums are much higher and coverage is generally only available in limited amounts.

Independent Broker

Purchasing your life insurance policy through an independent broker has many advantages that dealing with a firm would not pose. The independent broker is most likely to offer a suite of different products, whereas an insurance firm will only offer the products from their own company. Take the time to shop around before you engage in a lifelong obligation.

Thoroughly inspect your insurance policy’s cancellation procedures to be sure that they meet your expectations before you purchase. Remember that you might have to cancel your insurance if you cannot afford it anymore. However, many companies make customers who cancel their policies pay a hefty penalty fee. You want to know exactly what is going to happen when you change up a policy, what fees or anything else might apply, so you aren’t shocked.

The information laid out here should boost your confidence, so you feel confident about making the right decisions about the life insurance you need. You should now be better prepared to purchase affordable life insurance that meets your and your family’s needs.

Saving Money Has Never Been Easier With These Life Insurance Tips

The main reason people get life insurance is that they want to make sure their family is well cared for in their absence. Read the tips in this article for great advice on finding the right policy for you.

While term life insurance is less expensive than other coverages, it will not last. The main advantage of a term life policies is the savings you can keep. But traditional life insurance policies are a permanent investment, as well as an asset that can be borrowed against. Actually, term policies are valid only during the time that you are making your payments.

Calculate your actual life insurance needs, and let the result guide how much you purchase. It can be quite costly to over buy any insurance, while having too little insurance may leave your family members with needless financial problems. You and your family will have peace of mind if you make solid decisions when it comes to buying insurance.

When you’re choosing a policy, you need to make sure to calculate the coverage for both ongoing and fixed expenses. The funds from life insurance are often used for large expenses that are one time only, such as funeral expenses and estate taxes.

If you are a member of a profession or pursue hobbies with a higher risk of death, your life insurance premiums will increase. If you are paying too much for insurance, consider giving up risky hobbies such as bungee jumping, scuba diving or skydiving. Traveling to risky areas around the world could also make you ineligible for discounts.

Fully disclose any job or hobby-related dangers to your health. Although it will increase your premiums, this will prevent you from not being eligible for coverage if it was discovered by the insurance company before you could disclose it. If you do decide to withhold this information, it could be considered fraud and thus, you will subject to stiff penalties.

Get a policy from a large company with a great reputation. Skimping on your insurance by buying a bare-bones policy from some fly-by-night firm won’t protect your family much if they fold or turn out to be a scam.

Some insurers might offer premiums up to 40% lower than the others. Search on the Internet for competitive rates from a number of providers, taking care to find one who will take your personal medical conditions into account.

Look for the lowest possible commission when you buy a life insurance policy. Premiums can rise significantly if agents and brokers fold their fees into premiums that you will be paying. One way to get around this is to seek out “no load” policies sold directly by an insurance company rather than through a broker.

When you are looking to purchase life insurance, always check on the Internet. To view the highest number of options, check out sites that provide information gleaned from several different companies, especially if they also provide price comparisons and insurer ratings. Three excellent starting places are Accuquote, Insweb, and Insure.com.

Save Money

Buy more life insurance to save money. With many companies, you’ll end up paying less if you purchase a bigger amount of coverage. That means you’ll save money while getting a broader array of coverage for you and your family.

Due to its importance, make sure you have all the information you need to select the policy you want. To do exactly that, employ the ideas you have just learned.

Tips On Choosing The Life Insurance Policy That Fits Your Needs

Life insurance is a relatively unpopular topic of conversation, but it is nonetheless very important. Even though it may be the last thing you want to think about, life insurance is important in estate planning. With the tips presented in this article, you should have the information necessary to find the best insurance possible for a good price.

Ensure that you disclosure any job or extracurricular activity that might be thought of as high risk. While it could cost more money for you, it will keep you from making yourself ineligible when an insurance companies find out for themselves. Not telling an insurer certain facts may be construed as insurance fraud, which may be a crime or tort.

If you’re filling out life insurance online, don’t give out too many personal details. Scammers will use the false pretense of selling life insurance to get your information and steal your identity. Your zip code is the only information that you need to share in order to get a basic quote.

The cost of premiums with different companies may vary up to forty percent. Comparison shopping is made easier by the variety of online resources for reviewing different insurance providers. Ideally, any quote should include considerations for medical conditions and history.

You should know that a good way to get less expensive life insurance is to improve your health. Since healthier people tend to live longer, they often get better deals from insurance companies.

How do you want to purchase an insurance policy? You may do it through your work employer or by yourself. You can hire a financial planner or an agent if you can afford to.

When searching for life insurance, it’s a sound strategy to do you your homework but also hedge your bet by consulting a professional. This can help you make a better decision about the coverage you need since they can give you answers to your questions, or even help make some changes to your chosen policy.

Try to get a policy for two if you’re married. This is a joint policy, versus two separate policies. This can save couples money, with the premiums much lower than two separate insurance policies. You’ll still be able to get the same amount of coverage. You just won’t have to pay as much for it.

Be cautious of brokers who give the impression that they have all the answers about what policy you need. You want an agent that will be honest and sincere, not one that is willing to say anything just to make a sale.

Life insurance can provide you with a soundness of mind that other types of insurance cannot. By thinking about this situation in advance, you will make the lives of your friends and family that much easier when the time comes. While this may seem a rather confusing subject, use the advice in this article and you can obtain what you need in a cost effective manner.

The Pros And Cons Of Owning Life Insurance

Most people don’t spend too much time discussing life insurance. Nonetheless, it’s very important to make a wise choice, and this article gives you some ways of doing just that. It is common for individuals to seek methods for reducing their expenses, including the amount they pay for life insurance. In the following paragraphs, you’ll find tips that will help you make the right choices when it comes to life insurance.

When trying to determine how much life insurance to buy, consider your family’s lifestyle. Each person will have different individual needs that need to be taken into consideration in case of a family member’s death. You need to be certain the level of coverage you have will be adequate to take care of your family should something happen.

Getting enough coverage is important when you are purchasing life insurance. You need to consider your financial obligations such as mortgage, outstanding debts, schooling for your children, and other things that you would not want your family to do without in the event of your death.

Financial Advisers

Get your life insurance policy through a financial adviser rather than a broker. Be aware that most brokers are earning a commission off the insurance policies they sell, so they may push a policy on you that isn’t the best choice for you. But, financial advisers get paid a set fee. For this reason, financial advisers are more highly motivated to help you find the policy you need, rather than the one that will pay the highest commission.

As you research life insurance carriers, make sure you choose a firm that has a stable, respectable history. While a smaller firm may be able to offer more attractive and affordable rates, this means absolutely nothing if the company is incapable of delivering results.

Never reveal too much of your personal information when you are shopping for insurance quotes online. There are some scammers online that claim they offer insurance, but just want to take over your identity. Try to remember that the only initial info you should need to give for a quote is a zip code.

The most obvious and yet frequently ignored way to get a more affordable insurance policy is to get into shape. Usually, healthier people will get a better deal on insurance because their life expectancy is greater.

Life insurance is an investment in the future of those you love, as well as protecting all that you have spent your life working for. It helps give you and the ones you love peace of mind.

Solid Advice On Life Insurance To Boost Your Protection

Insurance isn’t an exciting topic to talk about, but it’s necessary in life. You have to know that a life insurance represents an important aspect of your estate. In this article, you will find advice on how to purchase the best insurance policy at the best price.

Term life insurance is easy on your wallet, but you should always keep in mind that it won’t last. The lower price is the main benefit of term life insurance over a traditional policy. A whole life insurance policy counts as a financial asset, and you can even borrow money against it. However, term life insurance will only be effective for a certain period of time. After that, it must be renewed at a new rate.

You will need to estimate your approximate life insurance needs, and purchase a policy that reflects your unique situation. Buying too much coverage is a common mistake. This can cost you money. Not buying enough, though, will leave your family financially stressed. You and your family will have peace of mind if you make solid decisions when it comes to buying insurance.

Financial Advisers

Obtain life insurance from financial professionals, not through brokers. When you purchase a policy from an insurance broker, the broker will earn a commission. On the other hand, financial advisers are paid a flat fee. For this reason, financial advisers are more highly motivated to help you find the policy you need, rather than the one that will pay the highest commission.

Careers considered to be dangerous will cause the cost of life insurance to go up. Extreme sports like skydiving can send your rates very high. It may be better to give up the sport. Traveling to risky places can also increase your premiums.

It is in your best interest to pay premiums once yearly instead of once per month. By choosing to pay the premium annually, you can save a bit of money.

Stay away from insurance policies that claim to have a “guaranteed issue” unless there are no other choices to take. This type of policy is essentially put together for individuals with pre-existing medical conditions. Such policies do not have compulsory health exams, though they are always far costlier then other policies, and provide only for restrictive face value coverage limits.

Prior to buying life insurance coverage, it is important to do some comparison shopping. It is possible for policies to be renewable, though it is important to know which options last longer than others. Similarly, you may find two policies that offer all of the benefits you require, but one could be less expensive. That is why it is important to do your research on different policies to ensure you get the most for your money.

It’s not wise to ingest any caffeine before attending your medical examination for life insurance. There’s nothing inherently wrong with moderate amounts of caffeine, but it can affect your vital signs, which can make an accurate reading of your actual health difficult.

You have heard it before, but that makes it no less true: when you buy life insurance, you are essentially buying peace of mind. By preparing for the worst case scenario, you reduce the burden that an unexpected death could put on your family. While this may seem a rather confusing subject, use the advice in this article and you can obtain what you need in a cost effective manner.