Coliforms are a broad class of bacteria found in our environment, including the feces of man and other warm-blooded animals. The presence of coliform bacteria in drinking water may indicate a possible presence of harmful, disease-causing organisms. Drinking water must be free of disease-causing organisms called pathogens.
Below you'll find the average cost of life insurance broken out by number of years on the policy. Unsurprisingly so, the longer the policy term the more expensive it is. Average policy costs range from $568 per year for a 10 year term policy to $1,528 for a 30 year term policy.
Mortgage lenders consider cash value life insurance an asset. Mortgage underwriters count life insurance as an asset for your mortgage application if the policy has a cash value that exceeds the surrender cost. Generally, permanent life insurance products -- including whole, variable and universal life insurance -- contain a cash value. A term life policy does not have a cash value that is considered an asset by underwriters. Permanent life insurance includes a face amount, which is the death benefit that is paid out when the policyholder dies. The policy also accumulates a cash value that continues to grow during the policyholder's lifetime.