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Binance Review 2018: Comprehensive Crypto Coin Exchange Binance is a Chinese cryptocurrency exchange. Binance was created after attracting funds via an ICO (Initial Coin Offering – creating a new digital asset, backed by the project. Changpeng Zhao, former CTO at OKCoin is currently at the helm of Binance. They are known for fast processing speeds coupled with an ability to process enormous numbers of transactions (1.4 million) each second. It’s been quickly gaining ground in market share cementing a place as a top 20 exchange in terms of volume. Binance transaction has reached a new level and currently score tenth place in the world. Binance offers a generous daily withdrawal limit. They don’t need identity confirmation when the per day remittance is within limit of 2 BTC. Binance Features Binance’s trading platform is web-based. Furthermore it offers two distinct trading layouts, a more simple one and a “Pro” version. Their ICO has created tokens named BNB that are traded on the exchange. They can also be used as a method of paying your trading fees, which will reduce them by 50%. Binance offers their own startup incubator platform as well. The trading functionality of the platform was of more interest so we focused on that for the purposes of this Binance review. Below is the “standard platform” look: Below is the advanced display: BINANCE Advantages Large Cryptocurrency Pairings Supported The competitive advantage of Binance’s platform is the ability to trade every major cryptocurrency pairing in existence. Coinbase and Gemini only offer trading of a handful of the larger market capitalization cryptos, whereas Binance allows users access to trade over 100 crypto coins. Low Fees AND LIMITS The fee structure is simple as well as being priced. There is a flat 0.10% fee on all trading. The 0.10% fee on trades is one basis point. If you were to buy a cryptocoin at 100 you’d have to sell it higher for 101 to profit. Ease of Setup Setting up an account is straight forward, similar to signing up for an account with other service providers. Another advantage is there is no lengthy waiting time, users are able to get setup and running within minutes. This is due to the fact that fiat is not accepted on the exchange. Binance Provides Significant Trading Volume Binance is currently the third largest exchange by cryptocurrency trading volume, according to coinmarketcap. At the time of writing, Binance’s volume was an astounding $5,441,711,452 in the last 24 hours! This volume demonstrates their users clear trust in the exchange, as well as the accessibility of the exchange and ease of transacting. This type of volume requires substantial servers and computational power. Wide Support of Cryptocurrencies No Verification Requirements Binance doesn’t require identity confirmation in instances when the per day remittance is within the limit of 2 BTC. The attractiveness of setting up an account with Binance may be greater for a user in a jurisdiction where certain exchanges choose not to allow new users because of restrictions imposed by that location’s governing regulatory bodies. Ease of Use You’re able to buy and sell crypto pairings with market or limit orders while specifying the amount or percentage you wish to trade for each transaction. BINANCE Disadvantages No Leveraged Margin Trading Margin trading is not available at Binance. Margin trading is a system which allows you to trade with more money than you actually have in your account. Your balance is then used as a guarantee to maintain your position open. No Fiat Functionality This has both advantages and disadvantages. Government fiat deposits are not currently enabled in Binance, instead this exchange focuses only on the digital side of things. Clients can deposit and withdraw the coins supported at the exchange. This means that you’re not able to deposit or withdraw in fiat currency, only cryptocurrency is supported. Relatively New Binance was started in only July 2017, according to this Reddit post. This is a major concern, as they don’t have a history. Despite all the good things people are saying on Reddit. it’s worth mentioning as many exchanges have come and gone. Binance appears to have a visible co-founder, unlike BTC-E. Conclusion Accessible option for obtaining Different Cryptocoins Binance is the most rapidly-growing and communally praised cryptocurrency exchange available. It’s China based location may spell issues in the future due to rumors of a “crackdown“. that currently accounts for a large amount of volume. Although Binance targets high frequency traders, it is quite useful for those getting beginning with altcoin trading. Their lack of fiat money deposits may be difficult to swallow for beginners, only supported cryptocurrencies may be deposited. Binance boasts a large number of various cryptocoins for trading. The main benefit is the ability convert between cryptocurrencies. For instance exchanges such as Coinbase and Gemini are more limited in the number of cryptocurrencies offered. The interface is also conducive to support shorter duration hold time day trading of cryptocurrencies if one were so inclined to deploy that strategy. Binance is an exchange worth looking into and integrating into crypto trading just for their large amount of supported crypto coins.


Gerber Life has a wide variety of life insurance products, and its whole life insurance policies for adults and seniors provide good rates for coverage with limited underwriting. However, Gerber Life’s Grow-Up Plans and College Plans are not recommended as investments, as they both grow in value very slowly and provide limited death benefits. Similarly, Gerber’s term life insurance is limited in coverage, and has high premiums compared with other no medical exam policies. Products Grow-Up Plan College Plan Whole Life Insurance Term Life Insurance Guaranteed Life Insurance AD&D Insurance Customer Reviews & Complaints Payments Gerber Life Insurance Products Gerber offers several life insurance policies that are designed to cover children, adults and seniors. The majority of Gerber’s insurance offerings are a form of whole life insurance, and these are their best policies. They also provide term life insurance, although we would recommend other insurers over Gerber for term policies. Gerber Life Grow-Up Plan Gerber Life’s Grow-Up Plan is a whole life insurance policy that you can purchase on your kids, or your grandchild, if they’re between the ages of 14 days and 14 years old. The Grow-Up Plan is a fairly typical whole life insurance policy, as it has level premiums and builds cash value, but there are a few key differences: Until the child turns 21, you’re the policyowner. When they turn 21, they become the policyowner and have the option to purchase additional coverage without any health assessment. You can purchase only between $5,000 to $50,000 of Grow-Up Plan insurance for the child. However, the policy’s death benefit will double when the child turns 18. A $25,000 policy would turn into a $50,000 policy, then, without any rise in premiums. The Grow-Up Plan’s cash value grows at a guaranteed rate over time so that, after 25 years, it should equal or be greater than the amount you’ve paid in premiums. The downside is that, since child life insurance is quite inexpensive, the policy’s cash value does not accumulate much money. In addition, the Grow-Up Plan is similar to other whole life insurance policies in that it will often take three to four years before you have any cash value, as early premium payments are dedicated to paying the insurer’s fees. As a result, should you wish to surrender your policy within the first few years of coverage, you would receive little to no money back. Further, even if your child held on to the policy for 25 years, say, the cash value would still likely be too small to cover large expenses, such as paying for a wedding. To illustrate, we compared quotes and guaranteed cash values for the Gerber Grow-Up Plan, assuming you bought coverage for a male baby who was born recently. Initial Death Benefit Monthly Premium Guaranteed Cash Value After 25 Years $5,000 $3.27 $981 $10,000 $6.53 $1,959 $15,000 $9.80 $2,940 $25,000 $15.70 $4,710 $35,000 $21.98 $6,594 $50,000 $31.40 $9,420 As these figures show, the cash value in a Gerber Grow-Up Plan takes decades to become sizable, and even after it doubles in size, the death benefit is much smaller than an adult would typically need. Therefore, the primary value of a Gerber Life Grow-Up Plan is its initial death benefit, since it’s sufficient to easily cover the costs of a funeral and counseling for family should your child pass away. That said, if you do want this sort of coverage for your children, you might do better by buying a child rider on your own life insurance policy. A child rider is likely to be less expensive and will cover all your children with a single premium. By contrast, you would have to purchase multiple Grow-Up Plans if you had more than one child for whom you wanted coverage. Gerber Life Young Adult Plan Gerber Life’s Young Adult Plan is identical to its Grow-Up Plan, except that it’s available for teens between the ages of 15 to 17. The only real difference between the plans is their pricing, with the Young Adult life insurance coverage being more expensive. Gerber Life College Plan Gerber Life’s College Plan is not a traditional college savings fund, like a 529 plan, but is rather an endowment life insurance policy. An endowment policy builds cash value at a guaranteed rate and has level premiums, similar to a whole life insurance policy. However, unlike a whole life policy, coverage with an endowment policy lasts only for a fixed number of years. If you pass away during the period of coverage, your beneficiaries would receive the entire face value of the policy. If, however you live longer than the period of coverage, you receive the policy’s face value which, at that point, would equal its cash value. Gerber College Plans come with face values between $10,000 to $150,000, and are priced according to your health, since you’re the one who’s insured for the length of coverage. Gerber’s endowment life insurance policy is called a College Plan, on the assumption that you’ll use the policy’s proceeds to pay for your child’s education. As an endowment life insurance policy, however, Gerber’s College Plan has several key differences compared with other college savings alternatives, such as 529 plans. Here’s how it’s different: The premiums are not considered state tax-deductible. You cannot choose how your cash value is invested; rather, the policy’s value at maturity is guaranteed. Endowment life insurance isn’t considered by colleges in their financial-aid calculations. You’re free to use the proceeds however you choose, not just for educational expenses. While the College Plan provides life insurance coverage, it doesn’t have all the benefits of other life insurance policies. The biggest distinction is that your cash value investment gains are not tax-free, which reduces the policy’s overall benefits. Considering the policy’s returns are fairly low, simply buying term coverage and investing in an alternative college savings account would probably be more lucrative. To illustrate, say you’re a 35-year old father who just had a child and wanted enough money to pay your kid’s college costs 20 years from now. Gerber’s College Plan would charge $436.02 per month for a guaranteed coverage amount of $131,000. Over a period of 20 years, you would have paid $104,645 in premiums. Subtracting those premiums paid from the policy’s coverage amount yields a gain of only $26,355 before taxes. That figure represents an average rate of return over that period of only 2.1%, and even that yield would be further reduced after taxes are included. Gerber’s College Plan might be a good option only if you’re concerned about your ability to consistently contribute to a college savings plan or are extremely risk-averse. Returns are guaranteed and, in the event you have an emergency and need access to money, you can either access the policy’s cash value through a loan or by surrendering the policy. Policy loans come with an 8% interest rate, but you’re free to keep the money as long as is needed. Surrenders come with large fees initially, and typically no cash value is accumulated for the first three years of coverage. That said, once you pass the policy’s midway point, you are able to recoup the sum of all premiums paid. Gerber Whole Life Insurance Gerber Life also provides whole life insurance for adults, with policy death benefits ranging from $25,000 to $150,000. Gerber’s whole life insurance is similar to their child insurance, in that it has level premiums and builds cash value. However, their adult policies also allow you to add a waiver of premium rider. This rider costs more but allows you the option to maintain coverage without paying premiums should you be totally disabled for more than 6 months. Gerber’s whole life insurance policies also can be purchased without undergoing a medical exam, so long as you are under 51 and are seeking less than $100,000 in coverage. If you aren’t in good health and don’t need a large amount of coverage, Gerber Life is a fairly good alternative for simplified issue whole life insurance. Most insurers who sell such policies offer a maximum of $50,000 of whole life coverage without a medical exam. In addition, Gerber’s rates are actually lower than those you might get with fully underwritten coverage, if you have a poor health rating. You should, however, consider if you might be better served by purchasing a term life insurance policy; this option may be less costly, since whole life insurance is comparatively expensive. And, if you’re not able to purchase as large a policy as you actually need, you can spend a lot of money on an insufficient solution. Gerber Term Life Insurance Gerber’s term life insurance also provides between $25,000 to $150,000 of coverage, and doesn’t require a medical exam if you’re under 50 or want a death benefit of up to $100,000. Term lengths can extend for 10,15, 20 or 30 years and, should your financial needs change, you can convert your policy to a whole life insurance one. Alternatively, should you get to the end of your term and require only a few more years of coverage, you can renew for a 5-year term at the same health rating. However, you will no longer be able to renew once you reach the age of 65. We don’t recommend Gerber Life if you’re looking for fully underwritten or simplified issue term life insurance. Even if you have health issues and would have difficulty passing a medical exam, a large number of insurers offer no medical exam term policies that provide higher maximum death benefits. In addition, Gerber’s rates for term life insurance are significantly higher than those available elsewhere for simplified issue policies. Gerber Term Life Insurance Rates Gerber Guaranteed Acceptance Life Insurance For seniors between the ages of 50 and 80, Gerber also offers guaranteed acceptance whole life insurance. This type of policy builds cash value and has level premiums, but the death benefits are limited to between $5,000 and $25,000. In addition, there’s a two-year waiting period after you purchase coverage during which, if you pass away for any reason besides an accident, the full death benefit would not be paid. Instead, your beneficiaries would receive only the sum of premiums paid, plus 10% in interest. For example, then, if you died from a heart attack or other medical issue, your family would receive little money in life insurance proceeds. All guaranteed acceptance policies have a small maximum death benefit and waiting period, making Gerber’s coverage fairly standard. However, Gerber has better rates than most other insurers for this product. Just keep in mind that guaranteed acceptance insurance is significantly more expensive than other types of life insurances, since the insurer collects no health information and therefore assumes you’re a high insurance risk. This insurance is typically worth considering only if you have a significant pre-existing condition, such as kidney failure that requires dialysis, or you can’t perform normal activities without assistance. Gerber Accidental Death & Dismemberment Insurance Accidental death and dismemberment insurance provides benefits to your family if you pass away or become disabled in an accident. It’s typically less expensive than traditional life insurance, since you’re unlikely to actually die due to an accident (since mishaps account for only about 5% of deaths). Gerber Life’s rates for accidental death and dismemberment insurance are relatively low compared with other insurers, particularly if you’re older or have any health issues. Their AD&D insurance they offer has guaranteed acceptance, which means no medical exams or health questions are required, and premiums aren’t determined based upon your age. However, policies are restricted to $100,000 in death benefit and are only available if you’re between the ages of 19 and 69. Death Benefit Monthly Premium $20,000 $1.92 $35,000 $3.36 $50,000 $4.80 $75,000 $7.19 $100,000 $9.59 Sample monthly premiums include a discount for making automated payments. Depending on the severity of your injuries from an accident, Gerber Life would pay out differing amounts of money, which is standard procedure for AD&D insurance. Here’s the breakdown: If you pass away, your beneficiaries will receive the policy’s entire death benefit. If you lose only one eye, one foot or one hand, Gerber Life will pay out 50% of the death benefit. If you lose two limbs, both eyes or an eye and a limb, Gerber will pay 100% of the death benefit. Note, however, that Gerber Life does not provide any compensation if you lose your hearing, speech or ability to move due to an accident. If you want broader coverage, some insurers offer coverage for these sorts of disabilities in addition to covering the loss of limbs. Gerber Life Customer Reviews & Complaints The Gerber Life Insurance Company’s NAIC complaint ratio is 0.68, meaning they receive a proportionately low number of negative reviews as compared to the amount of business they write. Also, many policyholders give Gerber Life glowing reviews for enrollment, praising how simple it is to sign up for a policy and to qualify for coverage. However, the company does have some negative reviews, too. These are primarily focused on difficulties that some customers have experienced in receiving payment from Gerber Life. Customers complain of problems receiving money from Gerber, whether in trying to surrender a policy, take out a policy loan or file a claim after the death of a family member. Gerber Life also has a number of negative reviews for its marketing communications. In some cases, customers thought they were increasing their coverage but were in fact purchasing an entirely new policy. Other reviewers were confused between Gerber’s Grow-Up Plan and College Plan, since the company has featured the Grow-Up Plan’s cash value as a way to help pay for college. If you’re considering coverage from Gerber Life, or any insurer, make sure that you clearly understand exactly what you’re paying for. The costs of cancelling coverage, and the associated challenges, make it well worth the time to double-check these details. Gerber Life Payments You can make payments for Gerber Life insurance via check or through the company’s online portal. While many insurers offer the option of billing directly from a checking or savings account, Gerber Life also offers the option to make payments using your credit card. In addition, if you choose to set up automatic billing, you receive discounted premiums for some products, such as accidental death insurance.
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