/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
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		<h1 class="post-title entry-title">Life Insurance: Companies, Quotes &#038; Buying Guide</h1>

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<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Shopping for a life insurance coverage coverage might be fast and straightforward. Uncertain of the place to start out? We’ll stroll you thru the entire course of, so you possibly can examine life insurance coverage quotes and select the appropriate protection for you and your loved ones.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">What&#8217;s life insurance coverage?</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">A life insurance coverage coverage is a contract between you and an insurance coverage firm. In alternate for normal funds, referred to as premiums, the insurer pays out cash after you die. This cost goes to the folks you select as beneficiaries — often kids, a partner or different members of the family. It may be an necessary security web if anybody depends upon you financially. Beneficiaries can use the cash to repay money owed, change your revenue, or present funds for future bills like faculty tuition.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">What sort of life insurance coverage do I would like?</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">There are two primary</span><span class="_2GMChG _3-to_p"> kinds of life insurance coverage</span><span class="_2GMChG _3-to_p">: time period and everlasting. Inside these two classes there are numerous kinds of insurance policies. Understanding which one is best for you will help you construct a sturdy life insurance coverage plan.</span></p>
</div>
<p><h4 class="_2HGwPY _3ZRnke _2GMChG _34qbNm" data-currency="Text"><span class="_2HGwPY _3ZRnke _2GMChG _3-to_p">Time period life insurance coverage</span></h4>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Time period life insurance coverage works</span><span class="_2GMChG _3-to_p"> by protecting you for a restricted time frame, akin to 10 or 20 years. You possibly can </span><span class="_2GMChG _3-to_p">select a time period size</span><span class="_2GMChG _3-to_p"> that matches your wants, and in the event you die inside the time period, your beneficiaries obtain the payout. </span><span class="_2GMChG _3-to_p">When your time period life insurance coverage expires</span><span class="_2GMChG _3-to_p">, you should purchase a brand new coverage or reassess your choices. Ideally, by the point the time period ends, you now not want life insurance coverage: Your own home will probably be paid down, your children will probably be grown and also you’ll have some cash within the financial institution.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Cons: </span></span><span class="_2GMChG _3-to_p">It’s solely legitimate for a set time frame, and it doesn’t construct money worth.</span></p>
</div>
<p><h4 class="_2HGwPY _3ZRnke _2GMChG _34qbNm" data-currency="Text"><span class="_2HGwPY _3ZRnke _2GMChG _3-to_p">Everlasting life insurance coverage</span></h4>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Professionals:</span></span><span class="_2GMChG _3-to_p"> Everlasting protection can present cash in your heirs no matter whenever you die. Any such insurance coverage may also be helpful if you wish to spend your retirement financial savings however nonetheless go away cash for </span><span class="_2GMChG _3-to_p">remaining bills</span><span class="_2GMChG _3-to_p">, akin to funeral prices.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Cons:</span></span><span class="_2GMChG _3-to_p"> Everlasting insurance policies are dearer than time period life merchandise as a consequence of their lifelong protection and money worth accounts.</span></p>
</div>
<div class="FTDQoV">
<div>
<div>
<div class="OE0NEO fyWLSM _3RCofZ _1OhVVZ _2wSwha XiPtYB _2FF6h5 _3Y_A7d _2XSCxY g5tmaz">
<div class="OE0NEO fyWLSM _2vFBK3 _2mSzhe _2dvJJ7">
<div class="OE0NEO fyWLSM">
<p><span class="_2HGwPY _3ZRnke _2GMChG _34qbNm" data-currency="Text">Discover the appropriate life insurance coverage plan for you</span></p>
<p><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _34qbNm" data-currency="Text">Ensure you and your family members are lined &#8211; examine custom-made life insurance coverage quotes from our companions.</span></p>
</div>
<div class="OE0NEO fyWLSM _2vFBK3 _3zTr2E _1iGWeE FTDQoV">
<div class="OE0NEO fyWLSM" style="width:104px;height:104px">
<figure class="uw0rbR">
<div class="_1HYyMh" style="background-color:transparent">
<div class="_2iCcdi _1hOZ19"><img decoding="async" alt="Life Insurance illustration of mother with young child" class="_1v82kl _8WxXZs" src="https://www.nerdwallet.com/assets/blog/wp-content/uploads/2021/11/Life-Insurance_Illustration%402x-480x480.png" style="object-position:center;object-fit:contain"/></div>
</div>
</figure>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">How a lot protection ought to I purchase?</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">To determine </span><span class="_2GMChG _3-to_p">how a lot life insurance coverage you want</span><span class="_2GMChG _3-to_p">, take into consideration your monetary obligations. Then, purpose to take out a coverage to match them. Debt and revenue substitute calculators will help you resolve earlier than you get quotes.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Listed here are some bills to think about:</span></p>
</div>
<div class="FTDQoV">
<ul data-currency="List" class="_33E9q6">
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Excellent money owed</span></span><span class="_2GMChG _3-to_p">, akin to a mortgage, private mortgage or bank card stability.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">On a regular basis dwelling bills</span></span><span class="_2GMChG _3-to_p">, together with little one care, utility payments, groceries and automobile insurance coverage.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Future bills</span></span><span class="_2GMChG _3-to_p">, like funeral prices and faculty tuition.</span></p>
</div>
</li>
</ul>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">One other method to crunch the numbers is to multiply your annual revenue by 10, and use that as a tough estimate.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Though you&#8217;ll have some life insurance coverage via your job, it’s usually a good suggestion to have your personal coverage along with the </span><span class="_2GMChG _3-to_p">life insurance coverage offered by your employer</span><span class="_2GMChG _3-to_p">. The coverage via your office possible isn’t sufficient to satisfy your loved ones’s monetary wants and might finish in the event you go away the job.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">How a lot does life insurance coverage value?</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">It’s cheaper than you may suppose. The </span><span class="_2GMChG _3-to_p">common life insurance coverage charge</span><span class="_2GMChG _3-to_p"> for a 40-year-old in glorious well being might be as little as $27 a month for a 20-year time period coverage with $500,000 in protection, in line with Quotacy, a life insurance coverage brokerage. Charges can fluctuate amongst insurers — generally considerably. When setting your charge, every life insurance coverage firm weighs elements like your well being, way of life and driving file in another way. Some are extra lenient than others, which is why it’s necessary to match quotes from a number of insurers.</span></p>
</div>
<p><h4 class="_2HGwPY _3ZRnke _2GMChG _34qbNm" data-currency="Text"><span class="_2HGwPY _3ZRnke _2GMChG _3-to_p">Common value of time period life insurance coverage</span></h4>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Listed here are common annual life insurance coverage charges for a $500,000, 20-year time period life insurance coverage coverage for wholesome candidates.</span></p>
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<div class="Xf86xh">
<table class="_2S4ADF _1Kjn6m" tabindex="0">
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<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Common annual charge for males</span></span></p>
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</div>
</th>
<th class="_1mBbOm" scope="col">
<div class="_1GNWAN">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Common annual charge for ladies</span></span></p>
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</thead>
<tbody>
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<td class="_1ipZd2"/>
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<td class="_1ipZd2 _1XLQp5" colspan="3">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> </span><span class="_24lkfo _2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Quotacy, lowest three charges for every age averaged, as of Sept. 13, 2021.</span></span></span></p>
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<p><h4 class="_2HGwPY _3ZRnke _2GMChG _34qbNm" data-currency="Text"><span class="_2HGwPY _3ZRnke _2GMChG _3-to_p">Common value of entire life insurance coverage</span></h4>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Listed here are common annual life insurance coverage charges for a $500,000 entire life coverage for wholesome candidates.</span></p>
</div>
<div class="FTDQoV">
<div>
<div>
<div>
<div class="_6DpZVa">
<div class="Xf86xh">
<table class="_2S4ADF _1Kjn6m" tabindex="0">
<thead>
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<th class="_1mBbOm" scope="col"/>
<th class="_1mBbOm" scope="col">
<div class="_1GNWAN">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Common annual charge for males</span></span></p>
</div>
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</div>
</th>
<th class="_1mBbOm" scope="col">
<div class="_1GNWAN">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Common annual charge for ladies</span></span></p>
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</div>
</div>
</th>
</tr>
</thead>
<tbody>
<tr class="_9psIBS">
<td class="_1ipZd2"/>
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<tr class="_9psIBS _1XLQp5">
<td class="_1ipZd2 _1XLQp5"/>
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<td class="_1ipZd2 _1XLQp5" colspan="3">
<div class="OE0NEO fyWLSM _2gpzlo">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_24lkfo _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Supply:</span></span><span class="_2GMChG _3-to_p"> </span><span class="_24lkfo _2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Quotacy, lowest three charges for every age averaged, as of Sept. 13, 2021.</span></span></span></p>
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</tbody>
</table>
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</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The sooner you apply, the higher. Irrespective of which insurer you go together with, two of the principle </span><span class="_2GMChG _3-to_p">elements that have an effect on your life insurance coverage premium</span><span class="_2GMChG _3-to_p"> are your age and well being. So the youthful and more healthy you might be, the higher your charge is more likely to be.</span></p>
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<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">You possibly can nonetheless </span><span class="_2GMChG _3-to_p">get life insurance coverage if in case you have a medical situation</span><span class="_2GMChG _3-to_p">, however insurers fluctuate in how they view preexisting situations. Some insurance policies, akin to assured situation and simplified situation life insurance coverage, don’t require an examination. Some of these insurance policies are sometimes referred to as </span><span class="_2GMChG _3-to_p">no medical examination life insurance coverage</span><span class="_2GMChG _3-to_p">. However, in the event you’re wholesome, saying sure to a medical examination may really decrease your charge. That’s as a result of the insurer has an entire image of your well being.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">The place to purchase life insurance coverage</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">There are a number of methods to purchase a life insurance coverage coverage:</span></p>
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<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Immediately from the insurer. </span></span><span class="_2GMChG _3-to_p">If you happen to’ve completed your personal analysis and know precisely which coverage you need, you possibly can typically purchase immediately from the insurer.</span></p>
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<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">By an agent or dealer.</span></span><span class="_2GMChG _3-to_p"> Want just a little assist selecting a coverage? That’s the place a </span><span class="_2GMChG _3-to_p">life insurance coverage agent or dealer</span><span class="_2GMChG _3-to_p"> is available in. An agent or dealer will help you navigate your choices, discover a coverage that fits your funds and collect all of the paperwork it is advisable to apply for protection.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Evaluate insurance policies on-line.</span></span><span class="_2GMChG _3-to_p"> Most insurance coverage corporations help on-line quotes. This makes it straightforward to buy round for the very best protection on the proper worth.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Be taught extra about among the high insurers by studying our life insurance coverage evaluations.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">If you’re assessing life insurance coverage corporations, take a look at these three elements:</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Monetary energy scores.</span></span><span class="_2GMChG _3-to_p"> These decide an insurer’s skill to pay out claims sooner or later. You possibly can try insurers’ monetary energy via scores businesses akin to A.M. Greatest or Normal &amp; Poor’s. BaghdadTime recommends avoiding insurers with an A.M. Greatest score of B or decrease, if attainable.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Grievance ratios.</span></span><span class="_2GMChG _3-to_p"> Ideally, you wish to select an organization with a robust monitor file for customer support. BaghdadTime’s rating of the </span><span class="_2GMChG _3-to_p">greatest life insurance coverage corporations</span><span class="_2GMChG _3-to_p"> favors corporations which have fewer complaints to state regulators.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Coverage choices.</span></span><span class="_2GMChG _3-to_p"> Not all corporations promote the identical kinds of insurance policies, and a few deal with particular merchandise, akin to life insurance coverage insurance policies for youngsters. Slender your selections by studying </span><span class="_2GMChG _3-to_p">life insurance coverage evaluations</span><span class="_2GMChG _3-to_p"> and understanding the kind of protection you need earlier than you start evaluating life insurance coverage quotes.</span></p>
</div>
<div class="FTDQoV">
<div>
<div>
<div class="OE0NEO fyWLSM _3RCofZ _1OhVVZ _2wSwha XiPtYB _2FF6h5 _3Y_A7d _2XSCxY g5tmaz">
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<div class="OE0NEO fyWLSM">
<p><span class="_2HGwPY _3ZRnke _2GMChG _34qbNm" data-currency="Text">Discover the appropriate life insurance coverage plan for you</span></p>
<p><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _34qbNm" data-currency="Text">Ensure you and your family members are lined &#8211; examine custom-made life insurance coverage quotes from our companions.</span></p>
</div>
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<div class="OE0NEO fyWLSM" style="width:104px;height:104px">
<figure class="uw0rbR">
<div class="_1HYyMh" style="background-color:transparent">
<div class="_2iCcdi _1hOZ19"><img decoding="async" alt="Life Insurance illustration of mother with young child" class="_1v82kl _8WxXZs" src="https://www.nerdwallet.com/assets/blog/wp-content/uploads/2021/11/Life-Insurance_Illustration%402x-480x480.png" style="object-position:center;object-fit:contain"/></div>
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</figure>
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<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">The right way to apply for all times insurance coverage</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Gather the data you want earlier than you begin the </span><span class="_2GMChG _3-to_p">life insurance coverage software</span><span class="_2GMChG _3-to_p"> course of. You’ll possible want to supply particulars about your present and previous well being situations, in addition to your loved ones’s well being historical past. The insurer may have your consent to get medical information and ask you to take a </span><span class="_2GMChG _3-to_p">life insurance coverage medical examination</span><span class="_2GMChG _3-to_p">. Insurers additionally verify different sources, akin to </span><span class="_2GMChG _3-to_p">MIB Group</span><span class="_2GMChG _3-to_p">, which collects information on medical situations, your driving file and unsafe hobbies.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">If you </span><span class="_2GMChG _3-to_p">select life insurance coverage beneficiaries</span><span class="_2GMChG _3-to_p"> — the individuals who will obtain the payout whenever you die — make sure you&#8217;ve got their Social Safety numbers and dates of delivery. You might also should reply questions on prison convictions and driving violations, akin to a suspended driver’s license or DUI, notably in the event that they occurred inside the previous few years.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">With some insurers, you possibly can apply on-line and get </span><span class="_2GMChG _3-to_p">prompt life insurance coverage</span><span class="_2GMChG _3-to_p">. If authorised, your protection may go into impact the identical day.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Frequent life insurance coverage phrases</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">You may come throughout these phrases whenever you’re purchasing for life insurance coverage. Right here’s what they imply.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Beneficiary: </span></span><span class="_2GMChG _3-to_p">The individual or folks you choose to get the life insurance coverage payout whenever you die.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Provider: </span></span><span class="_2GMChG _3-to_p">One other identify for a life insurance coverage firm.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Money worth:</span></span><span class="_2GMChG _3-to_p"> Everlasting life insurance coverage insurance policies sometimes have an funding portion that will increase in worth over time. This is named the money worth account, and when you’ve amassed sufficient money worth, you might be able to borrow towards your coverage.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Dying profit: </span></span><span class="_2GMChG _3-to_p">The amount of cash the insurer can pay out to your beneficiaries, usually tax-free, whenever you die.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Dividend: </span></span><span class="_2GMChG _3-to_p">Some insurers are mutual corporations, which implies they’re partly owned by their policyholders. They could pay out a sum of cash to some policyholders every year primarily based on the corporate’s monetary efficiency. These funds are dividends.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Exclusions: </span></span><span class="_2GMChG _3-to_p">The circumstances wherein your life insurance coverage coverage received’t pay out, akin to loss of life from a dangerous exercise like skydiving. Exclusions fluctuate amongst insurers and are listed within the coverage paperwork.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Face worth:</span></span><span class="_2GMChG _3-to_p"> The fundamental loss of life advantage of the coverage. For instance, if you buy a $500,000 coverage, its face worth is $500,000.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Policyholder: </span></span><span class="_2GMChG _3-to_p">The one that owns the life insurance coverage coverage.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Premium:</span></span><span class="_2GMChG _3-to_p"> The amount of cash you’ll pay to maintain your life insurance coverage coverage lively. With most insurance policies, you&#8217;ve got the choice to pay month-to-month, quarterly, semiannually or yearly.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Underwriting:</span></span><span class="_2GMChG _3-to_p"> The method an insurer makes use of to assemble details about you and set your life insurance coverage charge.</span></p>
</div>
</div>
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		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2021-12-07T22:46:40+00:00","datePublished":"2021-12-07T22:46:40+00:00","dateModified":"2021-12-07T22:46:40+00:00","headline":"Life Insurance: Companies, Quotes &#038; Buying Guide","name":"Life Insurance: Companies, Quotes &#038; Buying Guide","keywords":"Buying,Companies,Guide,Insurance,Life,Quotes","url":"https:\/\/baghdadtime.com\/life-insurance-companies-quotes-buying-guide\/","description":"Shopping for a life insurance coverage coverage might be fast and straightforward. Uncertain of the place to start out? We\u2019ll stroll you thru the entire course of, so you possibly can examine life ins","copyrightYear":"2021","articleSection":"Finance","articleBody":"Shopping for a life insurance coverage coverage might be fast and straightforward. Uncertain of the place to start out? We\u2019ll stroll you thru the entire course of, so you possibly can examine life insurance coverage quotes and select the appropriate protection for you and your loved ones.What's life insurance coverage?A life insurance coverage coverage is a contract between you and an insurance coverage firm. In alternate for normal funds, referred to as premiums, the insurer pays out cash after you die. This cost goes to the folks you select as beneficiaries \u2014 often kids, a partner or different members of the family. It may be an necessary security web if anybody depends upon you financially.\u00a0Beneficiaries can use the cash to repay money owed, change your revenue, or present funds for future bills like faculty tuition.What sort of life insurance coverage do I would like?There are two primary\u00a0kinds of life insurance coverage: time period and everlasting. Inside these two classes there are numerous kinds of insurance policies. Understanding which one is best for you will help you construct a sturdy life insurance coverage plan.Time period life insurance coverageTime period life insurance coverage works\u00a0by protecting you for a restricted time frame, akin to 10 or 20 years. You possibly can\u00a0select a time period size\u00a0that matches your wants, and in the event you die inside the time period, your beneficiaries obtain the payout.\u00a0When your time period life insurance coverage expires, you should purchase a brand new coverage or reassess your choices. Ideally, by the point the time period ends, you now not want life insurance coverage: Your own home will probably be paid down, your children will probably be grown and also you\u2019ll have some cash within the financial institution.Cons:\u00a0It\u2019s solely legitimate for a set time frame, and it doesn\u2019t construct money worth.Everlasting life insurance coverageProfessionals:\u00a0Everlasting protection can present cash in your heirs no matter whenever you die. Any such insurance coverage may also be helpful if you wish to spend your retirement financial savings however nonetheless go away cash for\u00a0remaining bills, akin to funeral prices.Cons: Everlasting insurance policies are dearer than time period life merchandise as a consequence of their lifelong protection and money worth accounts.Discover the appropriate life insurance coverage plan for youEnsure you and your family members are lined - examine custom-made life insurance coverage quotes from our companions.How a lot protection ought to I purchase?To determine how a lot life insurance coverage you want, take into consideration your monetary obligations. Then, purpose to take out a coverage to match them. Debt and revenue substitute calculators will help you resolve earlier than you get quotes.Listed here are some bills to think about:Excellent money owed, akin to a mortgage, private mortgage or bank card stability.On a regular basis dwelling bills, together with little one care, utility payments, groceries and automobile insurance coverage.Future bills, like funeral prices and faculty tuition.One other method to crunch the numbers is to multiply your annual revenue by 10, and use that as a tough estimate.Though you'll have some life insurance coverage via your job, it\u2019s usually a good suggestion to have your personal coverage along with the life insurance coverage offered by your employer. The coverage via your office possible isn\u2019t sufficient to satisfy your loved ones\u2019s monetary wants and might finish in the event you go away the job.How a lot does life insurance coverage value?It\u2019s cheaper than you may suppose. The common life insurance coverage charge for a 40-year-old in glorious well being might be as little as $27 a month for a 20-year time period coverage with $500,000 in protection, in line with Quotacy, a life insurance coverage brokerage. Charges can fluctuate amongst insurers \u2014 generally considerably. When setting your charge, every life insurance coverage firm weighs elements like your well being, way of life and driving file in another way. Some are extra lenient than others, which is why it\u2019s necessary to match quotes from a number of insurers.Common value of time period life insurance coverageListed here are common annual life insurance coverage charges for a $500,000, 20-year time period life insurance coverage coverage for wholesome candidates.Common annual charge for malesCommon annual charge for ladiesSupply: Quotacy, lowest three charges for every age averaged, as of Sept. 13, 2021.Common value of entire life insurance coverageListed here are common annual life insurance coverage charges for a $500,000 entire life coverage for wholesome candidates.Common annual charge for malesCommon annual charge for ladiesSupply: Quotacy, lowest three charges for every age averaged, as of Sept. 13, 2021.The sooner you apply, the higher. Irrespective of which insurer you go together with, two of the principle elements that have an effect on your life insurance coverage premium are your age and well being. So the youthful and more healthy you might be, the higher your charge is more likely to be.You possibly can nonetheless get life insurance coverage if in case you have a medical situation, however insurers fluctuate in how they view preexisting situations. Some insurance policies, akin to assured situation and simplified situation life insurance coverage, don\u2019t require an examination. Some of these insurance policies are sometimes referred to as no medical examination life insurance coverage. However, in the event you\u2019re wholesome, saying sure to a medical examination may really decrease your charge. That\u2019s as a result of the insurer has an entire image of your well being.The place to purchase life insurance coverageThere are a number of methods to purchase a life insurance coverage coverage:Immediately from the insurer. If you happen to\u2019ve completed your personal analysis and know precisely which coverage you need, you possibly can typically purchase immediately from the insurer.By an agent or dealer. Want just a little assist selecting a coverage? That\u2019s the place a life insurance coverage agent or dealer is available in. An agent or dealer will help you navigate your choices, discover a coverage that fits your funds and collect all of the paperwork it is advisable to apply for protection.Evaluate insurance policies on-line. Most insurance coverage corporations help on-line quotes. This makes it straightforward to buy round for the very best protection on the proper worth.Be taught extra about among the high insurers by studying our life insurance coverage evaluations.If you\u2019re assessing life insurance coverage corporations, take a look at these three elements:Monetary energy scores. These decide an insurer\u2019s skill to pay out claims sooner or later. You possibly can try insurers\u2019 monetary energy via scores businesses akin to A.M. Greatest or Normal &amp; Poor\u2019s. BaghdadTime recommends avoiding insurers with an A.M. Greatest score of B or decrease, if attainable.Grievance ratios. Ideally, you wish to select an organization with a robust monitor file for customer support. BaghdadTime\u2019s rating of the greatest life insurance coverage corporations favors corporations which have fewer complaints to state regulators.Coverage choices. Not all corporations promote the identical kinds of insurance policies, and a few deal with particular merchandise, akin to life insurance coverage insurance policies for youngsters. Slender your selections by studying life insurance coverage evaluations and understanding the kind of protection you need earlier than you start evaluating life insurance coverage quotes.Discover the appropriate life insurance coverage plan for youEnsure you and your family members are lined - examine custom-made life insurance coverage quotes from our companions.The right way to apply for all times insurance coverageGather the data you want earlier than you begin the life insurance coverage software course of. You\u2019ll possible want to supply particulars about your present and previous well being situations, in addition to your loved ones\u2019s well being historical past. The insurer may have your consent to get medical information and ask you to take a life insurance coverage medical examination. Insurers additionally verify different sources, akin to MIB Group, which collects information on medical situations, your driving file and unsafe hobbies.If you select life insurance coverage beneficiaries \u2014 the individuals who will obtain the payout whenever you die \u2014 make sure you've got their Social Safety numbers and dates of delivery. You might also should reply questions on prison convictions and driving violations, akin to a suspended driver\u2019s license or DUI, notably in the event that they occurred inside the previous few years.With some insurers, you possibly can apply on-line and get prompt life insurance coverage. If authorised, your protection may go into impact the identical day.Frequent life insurance coverage phrasesYou may come throughout these phrases whenever you\u2019re purchasing for life insurance coverage. Right here\u2019s what they imply.Beneficiary: The individual or folks you choose to get the life insurance coverage payout whenever you die.Provider: One other identify for a life insurance coverage firm.Money worth: Everlasting life insurance coverage insurance policies sometimes have an funding portion that will increase in worth over time. This is named the money worth account, and when you\u2019ve amassed sufficient money worth, you might be able to borrow towards your coverage.Dying profit: The amount of cash the insurer can pay out to your beneficiaries, usually tax-free, whenever you die.Dividend: Some insurers are mutual corporations, which implies they\u2019re partly owned by their policyholders. They could pay out a sum of cash to some policyholders every year primarily based on the corporate\u2019s monetary efficiency. These funds are dividends.Exclusions: The circumstances wherein your life insurance coverage coverage received\u2019t pay out, akin to loss of life from a dangerous exercise like skydiving. Exclusions fluctuate amongst insurers and are listed within the coverage paperwork.Face worth:\u00a0The fundamental loss of life advantage of the coverage. For instance, if you buy a $500,000 coverage, its face worth is $500,000.Policyholder: The one that owns the life insurance coverage coverage.Premium: The amount of cash you\u2019ll pay to maintain your life insurance coverage coverage lively. With most insurance policies, you've got the choice to pay month-to-month, quarterly, semiannually or yearly.Underwriting: The method an insurer makes use of to assemble details about you and set your life insurance coverage charge.\r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/life-insurance-companies-quotes-buying-guide\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/12\/GettyImages-1171688861.png","width":1200,"height":800}}</script>
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			<a aria-label="What Is a Mortgage Broker? 4 Questions to Ask Before Using One" href="https://baghdadtime.com/what-is-a-mortgage-broker-4-questions-to-ask-before-using-one/" class="post-thumb"><span class="post-cat-wrap"><span class="post-cat tie-cat-27">Finance</span></span><img width="390" height="220" src="https://baghdadtime.com/wp-content/uploads/2024/04/GettyImages-1218141687.jpg-working-with-mortgage-broker-1440x864-390x220.jpg" class="attachment-jannah-image-large size-jannah-image-large wp-post-image" alt="" decoding="async" loading="lazy" /></a>		</div><!-- post-alignleft /-->
	
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		<a class="post-title the-subtitle" href="https://baghdadtime.com/what-is-a-mortgage-broker-4-questions-to-ask-before-using-one/">What Is a Mortgage Broker? 4 Questions to Ask Before Using One</a>

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			<span class="date meta-item tie-icon">April 7, 2024</span>		</div>
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