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YPSILANTI, Mich. (AP) — On a damp Wednesday night with temperatures dipping into the 30s, fans in sparsely filled stands bundled up to watch Buffalo beat Eastern Michigan 37-30 on gray turf. The lopsided game was not particularly notable, but it was played on one of the nights the Mid-American Conference has made its own: A weeknight. “A lot of the general public thinks we play all of our games on Tuesdays and Wednesdays, not just some of them in November,” MAC Commissioner Jon Steinbrecher said in a telephone interview this week. “What it has done is help take what was a pretty darned good regional conference and has given it a national brand and made it a national conference.” When the conference has played football games on ESPN or ESPN2 over the last two seasons, the linear television audience has been 10 times larger than when conference schools meet on Saturdays and get lost in the shuffle when viewers have many more choices. The most-watched MAC game over the last two years was earlier this month on a Wednesday night when and there were 441,600 viewers, a total that doesn’t include streaming that isn’t captured by Nielsen company. During the same span, the linear TV audience has been no larger than 46,100 to watch two MAC teams play on Saturdays. “Having the whole nation watching on Tuesday and Wednesday night is a huge deal for the MAC,” Eastern Michigan tight end Jere Getzinger said. “Everybody wants to watch football so if you put it on TV on a Tuesday or Wednesday, people are going to watch.” ESPN has carried midweek MAC football games since the start of the century. ESPN and the conference signed a a decade ago that extends their relationship through at least the 2026-27 season. The conference has made the most of the opportunities, using MACtion as a tag on social media for more than a decade and it has become a catchy marketing term for the Group of Five football programs that usually operate under the radar in Michigan, Ohio, Indiana, Illinois and New York. Attendance does tend to go down with weeknight games, keeping some students out of stadiums because they have class or homework and leading to adults staying away home because they have to work the next morning. “The tradeoff is the national exposure,” Buffalo coach Pete Lembo said. “You know November nights midweek the average fan is going to park on the couch, have a bowl of chips and salsa out in front, and watch the game from there.” When the Bulls beat Ball State 51-48 in an overtime thriller on a Tuesday night earlier this month, the announced attendance was 12,708 and that appeared to be generous. There were many empty seats after halftime. “You watch the games on TV, the stadiums all look like this,” Buffalo fan Jeff Wojcicki said. “They are not packed, but it’s the only game on, and you know where to find it.” Sleep and practice schedules take a hit as well, creating another wave of challenges for students to attend class and coaches to prepare without the usual rhythm of preparing all week to play on Saturday. “Last week when we played at Ohio in Athens, we had a 4-four bus ride home and got home at about 3:30 a.m.,” Eastern Michigan center Broderick Roman said. “We still had to go to class and that was tough, but it’s part of what you commit to as an athlete.” That happens a lot in November when the MAC shifts its unique schedule. During the first two weeks of the month, the conference had 10 games on Tuesdays and Wednesdays exclusively. This week, there were five games on Tuesday and Wednesday while only one was left in the traditional Saturday slot with Ball State hosting Bowling Green. Next week, Toledo plays at Akron and Kent State visits Buffalo on Tuesday night before the MAC schedule wraps up with games next Friday and Saturday to determine which teams will meet in the conference title game on Dec. 7 in Detroit. In all, MAC teams will end up playing about 75% of their games on a Saturday and the rest on November weeknights. When the Eagles wrapped up practice earlier this week, two days before they played the Bulls, tight end Jere Getzinger provided some insight into the effects of the scheduling quirk. “It’s Monday, but for us it’s like a Thursday,” he said. Bowling Green coach Scot Loeffler said he frankly has a hard time remembering what day it is when the schedule shift hits in November. “The entire week gets turned upside down,” Loeffler said. “It’s wild, but it’s great for the league because there’s two days a week this time of year that people around the country will watch MAC games.” ___ AP freelance writer Jonah Bronstein contributed to this report. ___ Get poll alerts and updates on the AP Top 25 throughout the season. Sign up . AP college football: and
Virginia vs. Virginia Tech FREE LIVE STREAM (11/30/24): Watch college football, Week 14 online | Time, TV, channelHAUPPAUGE, N.Y., Nov. 26, 2024 (GLOBE NEWSWIRE) -- AmpliTech Group, Inc. (Nasdaq: AMPG, AMPGW) (the "Company”), a designer, developer, and manufacturer of state-of-the-art signal processing components for satellite, Public and Private 5G, and other communications networks, including the design of complete 5G/6G systems and a global distributor of packages and lids for integrated circuits assembly, today announced it has closed on its previously announced registered direct offering for the sale of 1,603,259 shares of common stock (or pre-funded warrants in lieu thereof) ("the Securities”) at an offering price of $0.92 per share. The gross proceeds to the Company from the registered direct offering were approximately $1,475,000 before deducting the placement agent's fees and other offering expenses. Maxim Group LLC acted as the sole placement agent in connection with the offering. The Securities were offered pursuant to a shelf registration statement on Form S-3 (File No. 333-278657), which was declared effective by the U.S. Securities and Exchange Commission (the "SEC”) on April 24, 2024. The offering was made only by means of a prospectus supplement that forms a part of such registration statement. This press release does not constitute an offer to sell or the solicitation of an offer to buy, nor will there be any sales of these Securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction. A prospectus supplement relating to the Securities offered in the registered direct offering was filed by the Company with the SEC. Copies of the prospectus supplement relating to the registered direct offering, together with the accompanying prospectus, can be obtained at the SEC's website at www.sec.gov or from Maxim Group LLC, 300 Park Avenue, New York, NY 10022, Attention: Syndicate Department, or via email at [email protected] or telephone at (212) 895-3500. About AmpliTech Group AmpliTech Group, Inc., comprising five divisions-AmpliTech Inc., Specialty Microwave, Spectrum Semiconductors Materials, AmpliTech Group Microwave Design Center, and AmpliTech Group True G Speed Services is a leading designer, developer, manufacturer, and distributor of cutting-edge radio frequency (RF) microwave components and 5G network solutions. Serving global markets, including satellite communications, telecommunications (5G & IoT), space exploration, defense, and quantum computing, AmpliTech Group is committed to advancing technology and innovation. Forward-Looking Statements All statements in this release that are not based on historical fact are "forward-looking statements” including within the meaning of the Private Securities Litigation Reform Act of 1995 and the provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. The information in this announcement may contain forward-looking statements and information related to, among other things, statements regarding the Company, its business plan and strategy, and its industry. Such forward statements include, but are not limited to, that the booking of orders and anticipation of booking of orders, including LNB and 5G products and Fujitsu Spain, will lead to sales of products, These statements reflect management's current views with respect to future events based on information currently available and are subject to risks and uncertainties that could cause the Company's actual results to differ materially from those contained in the forward-looking statements, including risks related to market conditions, and other risks described in the Company's filings with the SEC. Investors are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. The Company does not undertake any obligation to revise or update these forward-looking statements to reflect events or circumstances after such date or to reflect the occurrence of unanticipated events. Contacts: Corporate Social Media Twitter: @AmpliTechAMPG Instagram: @AmpliTechAMPG Facebook: AmpliTechInc Linked In: AmpliTech Group Inc Investor Social Media Twitter: @AMPG_IR StockTwits: @AMPG_IR Company Contact: Jorge Flores Tel: 631-521-7831 [email protected]Riding a 6-game win streak, the Eagles head to Hollywood again for a rematch with the young Rams
The Taconic State Parkway just got a whole lot friendlier
Sokoto State Governor, Ahmed Aliyu, has launched the distribution of cash grants to 9,700 beneficiaries under the Livelihood Grant and Social Cash Transfer Payment schemes, part of the Sokoto Community Action for Resilient and Economic Stimulus (SOSCARES) program. This initiative aims to improve living conditions, reduce poverty, and promote self-reliance among residents. Since assuming office, Governor Aliyu’s administration has disbursed financial support to thousands of beneficiaries under the Sokoto CARES program. Aliyu stated this at the flag-off payment of Livelihood and Social Cash Transfer Grants to beneficiaries under the Sokoto State CARES Programme. The programme is among many programmes being introduced by Governor Ahmed Aliyu’s administration to improve the living conditions of people, reduce poverty as well promote their self-dependency. Gov Aliyu said his administration on Assumption of leadership, disbursed several financial supports to thousands of beneficiaries under the Sokoto CARES programme. Under the Small and Medium Enterprises Scheme state government disbursed N1.5 billion to over 8,300 beneficiaries with the lowest grant size of One hundred thousand and a maximum size of Five hundred. Similarly, Under Fadama CARES a total of over 48,000 smallholder farmers received various agricultural inputs. ‘We have equally constructed many rural roads across the 3 senatorial zones across the state to facilitate transportation of farm produce to markets. This is in addition to the disbursement of grinding machines and small ruminants to hundreds of beneficiaries free of charge. ‘Today’s event is yet another ground-breaking one, we would insha Allah commence the disbursement of Livelihood Grant to Economically Active beneficiaries to support their livelihood. According to him, a total of 9,700 beneficiaries will start receiving their alert today, of N75,000, N100,000 and N150,000 each. This grant is to support and encourage your livelihood endeavours. Aliyu said his administration has equally inherited a payment backlog of 4 months of Social Cash Transfers of 40,000 each to 1,950 beneficiaries. A total of 640 beneficiaries have so far corrected their BVN with their NIN in line with the CBN provisions, and they will start receiving their alert today. He further said reconciliation of the remaining will continue simultaneously with their payment, No one will be left behind. The State government has already made funds available to the Delivery Platforms for the enrolment of a new set of beneficiaries. 3,000 new beneficiaries would be enrolled under Social Cash Transfers, 10,000 beneficiaries under Livelihood and over 13,000 new beneficiaries under Operational Grants to SMEs, all of these are with immediate effect. He reiterates his administration’s determination to continue to introduce poverty reduction initiatives to make teeming Populace productive and enterprising. He calls on the beneficiaries of the social cash transfer, Operational Grants and other forms of interventions to make the best use of the monies given to them by investing the money in the best way that it will generate income for them. While commending other partners in the poverty reduction interventions for their uncommon support towards making our programmes successful.Strictly Come Dancing fans have been left shocked after Tess Daly made an "embarrassing" comment to Chris McCausland. Chris and Dianne Buswell danced a Quickstep tonight to a track from Anything Goes for Musicals Week, but things turned slightly sour when fans noticed something Tess said to Chris and Dianne as they made their way over to her. Following their triumphant dance, Chris and Dianne celebrated - but then Tess could be heard telling Chris "can you see how happy she is with you", leaving fans fuming as Chris is blind due to a condition called retinitis pigmentosa. Angry fans took to social media to share their thoughts, with one writing: "No Tess, Chris can't see how happy he made Dianne...... #strictly ." Another penned: "Surely Tess didn’t just ask Chris ‘can you see how happy she is with you?’ #Strictly ." "Tess saying to Chris 'can you see how happy she is?'....um no Tess, he can't #Strictly ," a third shared, with a fourth writing: "Tess just asked Chris if he could see how happy Diane was...." A fifth added: "did tess actually just say “can you see how happy she is with you” to chris. a blind man." Another penned: "Did um...did Tess really just ask “can you see how happy she is with you?” Chris previously confessed he was "terrified" to be the first blind contestant on the show. "When you weigh that up, and you stop thinking about yourself so much, and the fact that you’re s***ting your pants, there becomes more benefit than risk," he explained to The Guardian. In a separate interview, he explained that his blindness is hereditary - but he is adamant to make it a part of his life. He told Big Issue: "Being blind wasn’t just something that happened to me, it was hereditary. Nan was blind, my mum was losing her sight. It was always treated as just part of life, so you get on with it. That’s fed into my way of viewing it. "But I did always think, things are moving so fast, we’ve got the internet now, surely there will be a cure and I’ll be able to see by the time I’m 30. I mean 40. I mean... and it just moves on and on." He added: "When you’re losing your sight gradually, there’s never a clear moment when you are forced to deal with it. I’d refuse to be associated with things connected to it, like, 'I’m not using a stick, I’m going to pretend I can see'. But you get into more trouble pretending there’s nothing wrong. It wasn’t until I lost my sight completely that I accepted it." *Strictly Come Dancing airs Sunday night on BBC One and BBC iPlayer.
Biden's Trip to Angola Throws Spotlight On Luanda's Multipolar Foreign Policy
‘Wicked’s’ Color Grading Is Intended to ‘Immerse People Into Oz, to Make It a Real Place,’ Says Director Jon M. Chu: If It Was ‘Fake,’ Then the Relationships and Stakes ‘Wouldn’t Feel Real’The Bharatiya Janata Party (BJP) is making notable gains in Jajpur following defections from the Biju Janata Dal (BJD). This development comes as the BJD commemorated its foundation day, overshadowed by controversies sparked by accusations from party organizational secretary Pranab Prakash Das, who lambasted former leaders who switched allegiance to the BJP. Under the circumstances, BJP representatives have asserted that the BJD might soon face challenges even in recruiting candidates for future elections. “BJD’s position is getting weaker in Jajpur district. I left BJD as the party didn’t pay proper attention towards me,” said BJP leader Jaladhar Sahu. Meanwhile, political analysts have predicted that BJD supremo Naveen Patnaik must address these defections to safeguard the party’s influence in Jajpur. Past trends in Ganjam, another BJD stronghold, exacerbate these anxieties. Insiders suggest that numerous local leaders including sarpanchs and samiti members are defecting to the BJP, raising questions about the causes behind this shift. Must Read: BJD foundation day scuffle: Party on verge of disintegration! “BJD workers have been joining BJP in large numbers in Jajpur for the last one month. Confidence of the people in the district has been bolstered by BJP and the government. If the situation continues like this, BJD will somehow become extinct in the district,” said political analyst Manas Ranjan Jena. BJP has strengthened its position by winning the four assembly constituencies of Jajpur in the 2024 General Elections. Additionally, BJP has also won the Lok Sabha seat. Leaders and workers from constituencies like Binjharpur, Korei, Sukinda, Dharmasala, and Barachana are reportedly distancing themselves from BJD, hinting at widespread dissatisfaction. In key constituencies such as Sukinda and Dharmasala, once considered BJD bastions, the decline raises concerns about administrative issues affecting residents during the BJD’s 24-year administration. As BJP’s prospects appear buoyant, a broader political transformation may be underway. Around 300 core leaders including more than 15 sarpanches and samiti members resigning from BJD in Korei highlight mounting challenges for the Opposition party. Despite these setbacks, BJD’s organising secretary Pranab Prakash Dass rapped the BJP by branding the defectors as mere ‘dealers’. “BJD workers have not gone anywhere and there is no chance for it. Only dealers have changed the party and BJD is getting rid of those dealers in Korei,” said Das, This elicited a response from BJP Minister Pradeep Bal Samant, who highlighted a broader trend of BJD defections across Odisha, posing potential difficulties for the party in fielding candidates in forthcoming elections. “BJD workers and leaders are joining BJP in large numbers in the State. BJD will not find leaders even to contest elections in coming days,” said Samanta. Notably, the defection wave, initiated in Ganjam, continues to spread across the State. All eyes now remain on Naveen Patnaik’s strategies to retain his party’s cadre.
Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate life insurance products to write unbiased product reviews. Founded in 1875, Prudential Life Insurance offers competitive and flexible options with features appealing to those looking for long-term retirement planning. Business Insider compared Prudential Life Insurance against the best life insurance companies and found it to offer intriguing and unique policies. However, the company is held back by its poor customer service. Prudential Life Insurance Review Prudential offers a wide range of life insurance policies including term life, indexed universal, variable universal, and burial insurance. It also provides an uncommon indexed variable universal life insurance option, allowing policyholders to choose from various investments or link their cash value growth to an index like the S&P 500. Prudential's aggressive financial plans may appeal to many younger buyers and those with a stable income. However, buyers with lower incomes or who aren't sure about the financial system may be more hesitant to engage with Prudential. While poor customer reviews are common in the life insurance industry, it's worth mentioning that a significant number of negative reviews say that Prudential agents are hard to reach and customers often encounter long hold times when calling the company. This is particularly noteworthy as many of Prudential's policy offerings require active management, meaning policyholders must maintain frequent contact with the company. Offers aggressive financial plans. 779 A+ Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans) Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can withdraw money to pay for nursing home bills due to severe illness or disability Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options con icon Two crossed lines that form an 'X'. Financial returns are limited con icon Two crossed lines that form an 'X'. Limited policy options for seniors and other groups who might struggle to find life insurance The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception. Prudential Life Insurance Pros and Cons Convertible term life insurance No medical exam life insurance options Unique universal policy blends aspects of variable and indexed insurance Variable universal life insurance with no-lapse guarantee Poor customer reviews No online quotes available Prudential Life Insurance Plans Available Prudential offers a wide array of term, final expense, universal, indexed universal, and variable universal life policies to fit your needs. Prudential focuses on higher-value life insurance products, but policies can be very affordable given the higher value. Prudential's EssentialTerm plans are term life insurance policies. Applicants under 60 may qualify for these policies without a medical exam, but you must answer a health questionnaire and may need to provide additional health-related information for underwriting. Prudential's Value and Plus plans differ in their conversion options. EssentialTerm Value allows policyholders to convert their policy to any of Prudential's permanent options within the first seven years of the policy's life or before the policyholder turns 70, whichever comes first. In the eighth year and beyond, until the policyholder turns 70, policyholders can convert their policy to a designated conversion product. On the other hand, EssentialTerm Plus allows policyholders to convert their policy to any of Prudential's permanent options while the fixed premium period is still active or to age 70, whichever comes first. Term lengths: 10, 15, 20, or 30 years Minimum coverage: $100,000 Maximum coverage: $249,999 Eligible ages: 18-75 (Value); 18-62 (Plus) With Prudential's Term Essential®, you'll pay a fixed insurance premium until your term ends or you turn 95 for a tax-favored death benefit. Then, you can convert your policy into a permanent life insurance policy without undergoing an additional medical exam. Always check with your Prudential agent regarding any challenges later converting to a permanent policy. You may need to add a rider to guarantee conversion. Remember that when you convert, your rates will increase and Prudential may decrease your death benefit. With this term life policy, accelerated benefits are built in, meaning you may receive a portion of your death benefit while alive if you become terminally ill. Term lengths for this policy include 10, 15, 20, or 30-year options. However, given the limited term, should you develop a qualifying illness, filing your claim early is critical. If you need short-term coverage, PruTerm One offers one-year life insurance protection. Coverage is renewable annually, but premiums may change at every renewal. You can convert your policy within the first five years of your PruTerm One policy without a medical exam. After that, the policy would be subject to the same adjustments in premiums and value. The PruTerm One policy may provide a way for hesitant buyers to test the water. If you need more time to commit to a whole life insurance policy, you can get on board for a year and commit once you feel more comfortable making it a long-term part of your budget. PruLife Essential is a universal life insurance policy that grows your cash value tax-deferred. The PruLife Essential policy will stay in force regardless of the performance of your cash value as long as you pay your scheduled premiums (no-lapse guarantee). In addition, Prudential protects investments against market fluctuations with a 2% guaranteed minimum crediting interest rate. You can upgrade PruLife Essential to a survivorship policy, which protects two people and pays out when both policyholders die. Known as the Prulife Essential SUL , this universal policy comes with a limited no-lapse guarantee for 10 years. After those 10 years, you can supplement your policy with the lapse protection rider to ensure your policy will stay in force. PruLife Founders Plus is an indexed universal life policy that builds cash value through three interest-crediting strategies. With one approach, the cash value grows based on fixed interest. This interest rate is guaranteed to never dip below 1% and currently sits at 3.95%. The second strategy tracks the S&P 500 for growth potential with a 0% growth floor and a growth cap, which can vary from month to month. The cap is currently set at 8.25%. The third strategy tracks the Goldman Sachs Voyager Index, which is exclusive to Prudential. It has a 0% growth floor and no growth cap. The participation rate is set at 100%, though Prudential does not guarantee that it will stay 100%. This option stays relatively stable as the market experiences volatility. The Prudential Momentum IUL is another indexed universal life insurance that offers four interest-crediting strategies. Fixed interest rate account: Guaranteed interest that never drops below 1%. One-Year S&P 500 capped account: Cash value growth is linked to the S&P 500 with a cap on the returns your account can receive. Six-Month S&P 500 capped account: Offers the same benefit as the one-year account, but you'll see returns faster. This option is better for compound interest, but its cap is lower than the one-year option. One-Year S&P 500 uncapped account: This account does not limit the interest your account can accrue in a segment, but it tempers growth by limiting the participation rate, meaning the interest you accrue will be a percentage of the actual growth of the index instead of growing at a 1:1 ratio. One-Year Nasdaq 100 capped account: Operates similarly to the one-year S&P 500 account, but tracks the Nasdaq 100. All accounts (excluding the fixed interest rate account) have a 0% floor. Prudential's variable life insurance offers a cash value benefit with an à la carte menu of over 50 investment options, meaning you take on more risk in pursuit of higher returns. But, like its indexed universal life insurance policy, the VUL Protector has a no-lapse guarantee. So your policy will remain effective even if your cash value reaches zero. This policy also has a survivorship option, so couples can be insured together, continuing to grow the policy after the death of the first. If you're interested in the survivorship option with any policy, we recommend talking to a Prudential life insurance agent to ensure you qualify. FlexGuard is Prudential's indexed variable universal life insurance policy, providing the benefits of indexed and variable policies. Under Prudential's IVUL policy, policyholders have three options for building cash value: 9 underlying variable investment options 3 index strategies Fixed-rate option (1% guaranteed) Prudential's PruLife® Custom Premier II is a variable life insurance policy. This policy allows you to choose over 50 underlying investment options based on risk tolerance and investment goals. It also has fixed-rate options for steady returns, equity, fixed-income investing, and asset allocation to diversify your portfolio . With the variable life insurance plan, you get flexible premium payments and flexibility in your death benefit. You can also pair the PruLife® Custom Premier II with the S&P500 account rider to offset market volatility and other risks. Prudential offers a burial insurance policy for applicants age 50 to 85 with no medical exams or lab work required, though you'll have to answer a health questionnaire. Death benefits ranging from $5,000 to $30,000 are guaranteed as long as you pay your premiums. Accidental death benefit: Supplement your policy with this additional death benefit rider if you're in a high-risk industry or engage in risky activities. Beneficiaries will get a higher death benefit if their death is caused by a covered accident. Terminal illness/living needs benefit: All Prudential policies include this rider at no extra cost. It allows terminally ill policyholders to access a portion of the death benefit. For policyholders and their families, this can alleviate the financial stress associated with a severe illness. Waiver of premium: This rider offers relief by waiving your premiums if you become fully disabled. Children's protection rider: You can provide life insurance for your children at an additional cost. As adults, children can buy a life insurance policy. BenefitsAccess: This rider offers early access to your death benefit if you become terminally or chronically ill. Enhanced cash value: This rider allows you to accumulate more cash value in the early years of your policy. Overloan protection rider: Overloan protection prevents a lapse in your coverage if you have an outstanding loan against your policy (i.e., you took out a loan to access your life insurance benefits early and chose not to repay). It applies under set conditions and has to be selected upfront, but Prudential specifies there's no additional cost if it's not exercised. Guaranteed policy split rider: This rider allows you to split the policy into two individual policies if the policyholders get divorced, or the unlimited marital deduction is repealed. S&P 500 Indexed account rider: This rider offers additional protection against volatility with a guaranteed 1% floor. It allows you to enjoy the benefits of high variable returns with less risk in a down market. It may subject you to an interest cap. Find affordable life insurance quotes online with Everyday Life Insurance . How Much Does Prudential Life Insurance Cost? The average cost of life insurance varies based on factors like age, health, policy type and limit, and more. As you can see in the charts below, the average term rates for 25, 35, and 45-year-old adults in good health are highly affordable for the average consumer. However, Prudential rates come in higher than the industry average. Profile Prudential Average monthly premium Industry average premiums 25-year-old female $29.56 $21.08 25-year-old male $40.73 $26.90 35-year-old female $34.35 $25.58 35-year-old male $43.80 $30.34 45-year-old female $58.02 $47.86 45-year-old male $67.89 $60.76 Source: Policygenius How Do I File a Claim with Prudential Life Insurance? You can file a claim with Prudential life insurance online or by calling your life insurance agent. You'll need details like the policyholder's name, date of birth, Social Security number, or policy number to begin the claims process. Prudential Life has a digital claims checklist to ensure you have the necessary documents to file a claim when the time comes. For further assistance, you can reach the team through the following: Virtual chat Phone (for policy numbers not beginning with "FE" ): 1-800-778-2255 Phone (for policy numbers beginning with "FE" ): 1-833-626-1865 Prudential Life Insurance Customer Reviews and Ratings Customer reviews of Prudential are overwhelmingly negative, receiving an average of 1.2 stars out of five on Trustpilot and one out of five on its Better Business Bureau page. Additionally, Prudential is not accredited with the BBB and received an F. Reviews mentioned a wide range of issues, from slow processing times, denied claims, unreachable agents, and long hold times on calls. Additionally, customers complained that their calls would be sent to offshore call centers. Life insurance companies with a large collection of negative reviews is not uncommon in the industry. Partially, this is because customers often only leave reviews when they have something to say, which is usually negative. However, Prudential placed 16th for customer satisfaction in JD Power's 2023 survey of 22 life insurance companies, receiving a 779/1,000 where the survey average was 790/1,000. For reference, State Farm placed first, scoring 843/1,000. The National Association of Insurance Commissioners' complaint index rates a company based on the number of complaints it receives against its share of the market. The average NAIC complaint index score is 1.00, meaning if a company scores below 1.00, it has fewer complaints than expected for a company of its size. If the company scores above 1.00, it has more complaints than the industry average. Prudential scored 0.66, indicating that it has fewer complaints than expected, given its market share. Compare Prudential Life Insurance Learn more about how Prudential Life Insurance compares with leading life insurance providers. Corebridge Direct offers term life, burial insurance, and indexed universal life insurance. Corebridge's term life insurance offers far higher maximum death benefits, which top out at $2 million compared to Prudential's $249,999 limit. That said, Prudential's term life does not require a medical exam, while Corebridge's does. Prudential has far more options for universal life insurance with its unique indexed variable universal life insurance option. However, Corebridge Direct offers up to $2 million in universal life insurance coverage without a medical exam for applicants 59 and under, which is uncommon. Corebridge scored 0.54 on the NAIC company complaint index compared to Prudential's 0.66. Prudential received an A+ (Superior) financial stability rating from AM Best, and Corebridge Direct received an A (Excellent). Both companies are financially stable, but it's worth noting that Corebridge has only been an operating since 2022. Ultimately, Prudential offers heftier permanent life insurance, but Corebridge is the better choice for permanent life insurance if you don't want to take a medical exam. While Corebridge offers higher max death benefits for term life coverage, Prudential is the better choice for term life insurance if you don't want to take a medical exam. Read our Corebridge Direct life insurance review . Lincoln Financial Group Life Insurance offers term and universal life insurance. It offers qualified applicants up to $2.5 million in term life coverage without a medical exam and up to $1.5 million in IUL coverage without a medical exam. Additionally, it offers a variable universal life insurance policy with over 75 investment options. Lincoln Financial scored 0.30 on the NAIC company complaint index, far lower than Prudential's 0.66. Additionally, Lincoln Financial ranked five places higher than Prudential in JD Power's life insurance customer satisfaction survey. Lincoln Financial scored 788/1,000, just two points under the survey average, while Prudential scored 779/1,000. Between Prudential and Lincoln Financial, Lincoln Financial is the better option, with its wider variety of investment options for variable life insurance. Read our Lincoln Financial life insurance review . Prudential Life Insurance FAQ Yes, Prudential life insurance offers no-exam policies for term life insurance. It also offers burial insurance that does not require a medical exam. You can get in touch with Prudential life insurance customer service by calling 1-833-626-1865 if your policy number begins with "FE" and 1-800-778-2255 if your policy number does not begin with "FE." Yes, Prudential offers guaranteed issue life insurance, which functions as burial expense insurance. However, it does not offer traditional whole life insurance . Why You Should Trust Us: How We Reviewed Prudential Life Insurance The four primary criteria we use to review life insurance providers are affordability, customer service, reliability, and company offerings. Companies receive five stars for cost when premiums are close to the industry average cost of life insurance. According to our article on the average cost of life insurance , a life insurance policy may run you about $40 to $55 a month. However, cheap life insurance doesn't mean you're getting quality coverage. So, we weigh affordability against the company's offerings, customer service, and other factors. We used the latest JD Power life insurance study to determine which company offers quality customer service. Approximately 3,000 life insurance customers score insurance companies yearly based on communication, interaction, price, product offerings, and statement satisfaction. Companies ranking above the industry average of 774 points have strong customer service. We also used AM Best, a renowned credit rating agency, and the NAIC's complaint index to evaluate a company's financial stability and trustworthiness. AM Best tells us a company's financial health, and the NAIC's complaint index scores a company based on the aggregate total of complaints it receives. Finally, we looked at what each company has to offer, including policy options, riders, and features like medical exam waivers. We also determined which demographic would most benefit from the company based on its products and prices. Read more about how Business Insider rates life insurance . Car insurance Life insurance Home insurance Travel insurance Pet insurance Credit Credit cards Retirement planningWintrust Financial ( NASDAQ:WTFC – Get Free Report ) and Republic Bancorp ( NASDAQ:RBCAA – Get Free Report ) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their dividends, profitability, valuation, institutional ownership, risk, earnings and analyst recommendations. Profitability This table compares Wintrust Financial and Republic Bancorp’s net margins, return on equity and return on assets. Dividends Wintrust Financial pays an annual dividend of $1.80 per share and has a dividend yield of 1.3%. Republic Bancorp pays an annual dividend of $1.62 per share and has a dividend yield of 2.1%. Wintrust Financial pays out 18.8% of its earnings in the form of a dividend. Republic Bancorp pays out 30.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Wintrust Financial has raised its dividend for 11 consecutive years and Republic Bancorp has raised its dividend for 26 consecutive years. Republic Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Analyst Recommendations Wintrust Financial currently has a consensus target price of $123.00, suggesting a potential downside of 10.27%. Republic Bancorp has a consensus target price of $80.00, suggesting a potential upside of 3.07%. Given Republic Bancorp’s higher probable upside, analysts clearly believe Republic Bancorp is more favorable than Wintrust Financial. Earnings & Valuation This table compares Wintrust Financial and Republic Bancorp”s gross revenue, earnings per share and valuation. Wintrust Financial has higher revenue and earnings than Republic Bancorp. Wintrust Financial is trading at a lower price-to-earnings ratio than Republic Bancorp, indicating that it is currently the more affordable of the two stocks. Institutional and Insider Ownership 93.5% of Wintrust Financial shares are held by institutional investors. Comparatively, 24.4% of Republic Bancorp shares are held by institutional investors. 1.5% of Wintrust Financial shares are held by insiders. Comparatively, 55.5% of Republic Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term. Risk & Volatility Wintrust Financial has a beta of 1.15, suggesting that its share price is 15% more volatile than the S&P 500. Comparatively, Republic Bancorp has a beta of 0.51, suggesting that its share price is 49% less volatile than the S&P 500. Summary Wintrust Financial beats Republic Bancorp on 10 of the 18 factors compared between the two stocks. About Wintrust Financial ( Get Free Report ) Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty premium financing; as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides wealth management services, such as trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois. About Republic Bancorp ( Get Free Report ) Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in six segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit; and retail and commercial mortgage, construction and land development, consumer, aircraft, and marine loans. It also provides credit cards; title insurance and other financial products and services; and private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it offers short-term and revolving credit facilities to mortgage bankers through mortgage warehouse lines of credit; mortgage banking; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; payments-related products and services to consumers through third party service providers; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky. 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NAIROBI, Kenya, Nov 30 – Tech firm Zoho has entered into a strategic partnership with the Kenya Network Information Centre (KeNIC), the registry managing Kenya’s .ke domains, to offer enhanced value to local businesses. Click here to connect with us on WhatsApp Under the agreement, Zoho will provide wallet credits worth KSh 50,000 to individuals or organizations owning or purchasing a .ke domain, whether directly from KeNIC or through its registrars. The partnership also includes training programs to help .ke domain users leverage cloud technology for accelerated growth. Zoho Kenya Country Head Veerakumar Natarajan said the initiative supports Kenya’s push towards a digital-first economy by empowering local businesses to embrace digital transformation and e-commerce. “This initiative aligns with Zoho’s commitment to serve local communities as part of its transnational localism strategy of being locally rooted while staying globally connected,” he said. Andrew Lewela Mwanyota, CEO of KeNIC, emphasized that Zoho’s comprehensive portfolio will enable businesses to kickstart their digital journeys, harness automation, and gain real-time access to critical business data. “Through our partnership with Zoho, we provide access to over 55 products designed to meet virtually every business need, streamlining processes across departments on a unified platform,” Mwanyota said. Users of .ke domains will be able to utilize Zoho Wallet Credits to purchase Zoho’s suite of products, including Zoho One, an integrated platform of over 50 apps, and Zoho Workplace, a collaboration and productivity platform. Built on a unified technology stack, Zoho applications ensure seamless integration and data flow between tools, enhancing operational efficiency. Zoho also owns and operates its own data centers, ensuring robust customer data privacy and security, with all products offered at locally adapted pricing. This collaboration aims to bolster Kenyan businesses in their digital transformation journeys, driving growth and competitiveness. 0 SHARES Share TweetNone
A peculiar Vancouver home listing shared on social media has garnered attention thanks to some interesting details and digitally decorated pictures. Located in East Vancouver’s Collingwood neighbourhood, the home is up for sale for a decent amount compared to its assessed value. The home, located at 5530 College Street, is for sale for $1,599,000, thanks to a price drop from the original asking price of $1,999,000. It was most recently assessed for $1,835,600 and features six bedrooms, two bathrooms, and 1,819 sq ft of space. The listing begins with a splash, with a simple: “WOW!!!” “Investors, developers, money printing machine!” It adds that the home, which received some upgrades in 2020, is in a five-star location “of the Heart of East Vancouver” and is “very solid and livable.” We’ve never seen a listing quite like this one from Royal Pacific Realty. The magic of the listing is when you look at the pictures. Most have a dream-like filter over them, and most are digitally decorated with flowers and other goodies. The real estate watcher who shared the listing on X asked, “ ?” A picture of one of the bedrooms has a bow on a chair next to a bed that reads, “bad hot girl.” The home has been up for sale since November 2022, and the price has changed numerous times. The listing also promises a bonus for fast transaction completion. The listing says, “Only one chance in your lifetime,” adding, “Action now if you are smart buyer.” Some who responded to the social media post about the listing actually liked it, with one X user saying, “That’s awesome!” Others found it strange, with one X user saying, “This is sure something.” Share your thoughts about this peculiar listing in the comments.Malique Ewin finished with team highs of 17 points and seven rebounds to lead the Florida State Seminoles to a 92-59 victory over the Massachusetts Minutemen in each team's final game of the Naismith Hall of Fame Tip-Off on Sunday afternoon in Uncasville, Conn. The Seminoles (6-1) won their third consecutive game and went 2-0 in the event as they pulled away in the second half, leading by as many as 36 points. It's Florida State's best start since the 2019-20 season when it went 7-1. UMass (1-5) dropped its fifth in a row following a season-opening win over New Hampshire despite a strong game on Sunday from Jaylen Curry, who scored 17 points. Curry, with six free throws, helped propel the Minutemen on a 10-0 run over a four-plus minute span in the first half to take a 24-23 lead with 4:22 left. FSU closed the half on a 13-3 run to lead 37-27 at halftime. A 15-4 surge to open the second half helped the Seminoles break the game open. Florida State's defense frustrated UMass shooters throughout the contest, especially on the perimeter, limiting the Minutemen to 3-for-24 shooting (12.5 percent) from 3-point range and 18-for-58 (31 percent) overall. The Seminoles finished with 22 points off 17 UMass turnovers. On the flipside, Florida State had one of its best shooting games of the season. The Seminoles moved the ball well throughout the game and finished with 25 assists while only turning the ball over 10 times. The Seminoles shot 33 for 58 (57 percent) from the field and made 9 of 18 three-pointers to put together a season-high scoring output. Once again, Florida State shined thanks to its depth as 10 players scored and four scored in double figures. The Seminoles were able to have 16 players participate in the game as well. Jamir Watkins finished with 14 points while Jerry Deng and Justin Thomas each had 10 points. For UMass, Daniel Rivera finished with 12 points and six rebounds while Nate Guerengomba had 10 points. Daniel Hankins-Sanford collected a game-high 13 rebounds. --Field Level MediaNEW YORK (AP) — U.S. stocks closed at more records after Donald Trump’s latest talk about tariffs created only some ripples on Wall Street. The S&P 500 rose 0.6% to reach another all-time high. The Dow Jones Industrial Average added 0.3% to its own record set the day before, while the Nasdaq composite rose 0.6% as Big Tech stocks helped lead the way. Stock markets abroad saw mostly modest losses, after President-elect Trump said he plans to impose sweeping tariffs on Mexico, Canada and China as soon as he takes office. U.S. automakers and other companies that could be hurt particularly by such tariffs fell. THIS IS A BREAKING NEWS UPDATE. AP’s earlier story follows below.