atives to this type of coverage.
In most cases, employers subsidize group life insurance. You are guaranteed coverage regardless of your age or health status. The rates are usually much lower than for an individual policy and might even be free.
However, the coverage available usually isn’t enough to fully provide for your family should you pass away. The policy also stays with the company, so you’ll lose coverage if you get fired or leave your job.
If you sign up for a group life insurance plan and get fired or leave your job, you might be able to convert it into an individual policy. However, the rates will likely be higher after the conversion.
Several factors go into determining life insurance rates. Understanding what companies consider when determining rates will help you find cheap life insurance for family members.
A life insurance company for low-income families is primarily concerned about your life expectancy, so rates largely depend on your health and habits.
Because your life insurance rates will depend on your life expectancy, buying life insurance coverage while you’re young is the easiest way to secure affordable life insurance rates for low-income families.
Smoking significantly lowers your life expectancy. For this reason, smokers will always see higher life insurance rates than non-smokers. 
Life insurance rates often depend on the amount of coverage you buy. Less coverage usually results in lower rates. Buying the minimum amount of coverage needed for your family will help you obtain lower rates.
Life insurance companies weigh factors differently, potentially impacting your rates. Comparing quotes from different companies will help you find the best coverage and rates for your family and lifestyle.
As previously mentioned, term life insurance is the cheapest type of coverage. If your income increases or you desire more coverage, you can usually convert a term life policy into a permanent life policy, such as whole life or universal life insurance.
The rates for group life insurance are lower than individual plans. Asking your employer if they offer group life insurance plans will help you find cheaper coverage.
There are two primary types of life insurance policies. The cheapest type of life insurance is a term life plan. These policies are available in five-year intervals, usually ranging from 10- to 30-year terms.
Another low-cost life insurance option is a final expense plan. These policies pay for final expenses, such as funeral and burial costs. The death benefit for these whole life policies is usually up to $25,000.
When looking to buy life insurance for low-income families, you should find a policy with enough coverage that is within your budget.
When considering affordable life insurance, term life and group life policies offer the lowest rates. Understanding the personal factors that impact life insurance rates for low-income families will help you find the best coverage.
Now that you know about life insurance for low-income families, enter your ZIP code below to get free life insurance quotes in your area.Resina Podophylli (U. S. P.)—Resin of Podophyllum.
SYNONYMS: Podophyllin, Resin of mandrake, Resin of May-apple.
Preparation.—The U. S. P. process for preparing podophyllin is as follows: "Podophyllum, in No. 60 powder, one thousand grammes (1000 Gm.) [2 lbs. av., 3 ozs., 120 grs.]; hydrochloric acid, ten cubic centimeters (10 Cc.) [162♏]; alcohol, water, each, a sufficient quantity. Moisten the powder with four hundred and eighty cubic centimeters (480 Cc.) [16 fl℥, 111♏] of alcohol, and pack it firmly in a cylindrical percolator; then add enough alcohol to saturate the powder and leave a stratum above it. When the liquid begins to drop from the percolator, close the lower orifice, and, having closely covered the percolator, macerate for 48 hours. Then allow the percolation to proceed, gradually adding alcohol, until sixteen hundred cubic centimeters (1600 Cc.) [54 fl℥, 49♏] of tincture are obtained, or until the tincture ceases to produce more than a slight turbidity when dropped into water. Distill off the alcohol, by means of a water-bath, until the tincture is reduced to a syrupy consistence, and pour it slowly, with constant stirring, into one thousand cubic centimeters (1000 Cc.) [33 fl℥, 391♏] of water, previously cooled to a temperature below 10° C. (50° F.), and mixed with the hydrochloric acid. When the precipitate has subsided, decant the supernatant liquid, and wash the precipitate twice, by decantation, with fresh portions of cold water. Spread it, in a thin layer, upon a strainer, and dry the resin by exposure to the air in a cool place. Should it coalesce during the drying, or aggregate into lumps having a varnish-like surface, it should be removed, broken in pieces, and rubbed in a mortar. As this is liable to happen during warm weather, resin of podophyllum is preferably made during the cold season"—(U. S. P.).
The original process of this Dispensatory directs us to take of strong tincture of mandrake root (see Resinae), 1 pint; water, acidulated with 18 fluid drachms of hydrochloric acid, 1 gallon. Mix the tincture and the acidulated water together, allow the mixture to stand for 24 hours, or until there is no further precipitate, collect the precipitate on a filter, wash it with water, and then allow it to dry in a warm place not exceeding 26.6° or 29.4° C. (80° or 85° F.). Or, the alcohol may first be removed by evaporation in a warm bath, and the resin then be allowed to precipitate. The resin has also been obtained by precipitation without heat, by adding a solution of alum to a saturated tincture of the root. This makes a yellow alum lake. Podophyllin prepared by means of alum has never been popular with Eclectic physicians.
History.—The resin of podophyllum has enjoyed a far more extensive use in medicine than the crude drug from which it is prepared. Though official in the U. S. P., and, strange to say, now more extensively used by members of the regular school of medicine than by our own practitioners, podophyllin is an Eclectic drug, having been first discovered and introduced to the profession by Prof. John King. (Podophyllin was the first of the" Eclectic" resinoids, being discovered by Prof. John King, in 1835, and quickly followed by him with cimicifugin and the oleoresins of iris and aletris. These substances were introduced to commerce by the late W. S. Merrell, who took pains to at once bring them before the commercial world. The firm of B. Keith & Co., of New York, followed, and made a specialty of "resinoids." Grover Coe contributed to the movement by his widely-distributed book—Concentrated Organic Medicines. But the history of "American resinoids" would make a volume, and can not be undertaken herein. We have, therefore, carried from former editions of this work, Prof. King's remarks verbatim, and append this note only.) The practitioners of the old school employ this resin in nearly all of their vegetable cathartic pills. Of its introduction, Prof. John King says: "This valuable agent I had the honor of introducing to the profession 26 years since. In 1835, Iwas first led to an examination of the resinous principle of this plant, as well as of the iris, cimicifuga, aletris, and several other plants, in consequence of some information given me by Prof. Tully, of Yale College, New Haven, Conn., relative to the resinous constituent of the Cimicifuga racemosa. And since August, 1835, I have prepared and used, more or less in my practice, in the treatment of various forms of disease, the resins of podophyllum, iris, cimicifuga, alcoholic extract of aletris, and several other medicinal plants. In July, 1844, I first called public attention to the resins of podophyllum and iris, in the New York Philosophical Medical Journal, Vol. I, No. 7, pp. 157-161, in which I recommended the mandrake resin in combination with an alkali, for hepatic diseases, scrofula, dropsy, leucorrhoea, syphilis, gonorrhoea, gleet, obstructed menstruation, etc., but of which it appears but little notice was taken by the profession. In April, 1846, I again called the attention of the profession to this, as well as many other concentrated preparations, in the Western Medical Reformer, Vol. V, No. 12, pp. 175-178. Now, as dates are the only reliable source of correct information in such matters, unless some one can show an earlier notice of these articles, and of their practical utility, than the above, their claims will naturally be considered doubtful. The credit of first preparing resin of podophyllum, and other concentrated preparations, for the use of the profession generally, it being part of his avocation, belongs to Mr. W. S. Merrell, druggist and chemist, of Cincinnati, who first manufactured it in June, 1847, since which time it has become an indispensable and highly important American remedy, and is used by all classes of physicians, being generally preferred to mercurials by those who have fairly tested it" (J. King, in College Journal, 1857