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Term Life Insurance Knowledge Base
Should Keep or Look into term Life Insurance Quotes? I have a whole life policy which I have been paying 45.00 per month for 16 yrs. I have to pay this amount until age 99 so they say. The amount it was for when I bought it was 50,000. It builds cash value. I am now 62. Should I keep this policy or look into term insurance?
How long should I get a term life insurance policy for? I'm researching term policies to cover the shortfall for life insurance from my work. How long is reasonable to get a term policy for? Term to 60, 75 or 100 years?
Who offers cheaper and better term life insurance than Primerica? We just had a Primerica representative come in our house and try to tell us why we need life insurance. I do agree my wife and I would like a term life insurance plan, but am not sure if I want to go with Primerica. They are not the cheapest and I read some good and bad things about them. Can anyone recommend some alternative companies? How is Transamerica? They seem to pop up in the top 10 insurance company list a lot.
What is the best company to buy term life insurance? I'm trying to find a company to purchase term life insurance. I want a good brand and not some scam. Thanks to anyone that replies.
What is the difference between term life insurance and cash value life insurance.? which one is better if you are starting your own business. also how much time you need to have to cash it out all the money from the term life insurance. Moreover, what are the advantages and disadvantages of both of these options?
What is the cheapest term life insurance and what do you have to go thru in order to get it? ? What is the cheapest term life insurance and what do you have to go thru in order to get it? ?
Does term life insurance take into account the combined income of a married couple? I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that take into account the combined household income. If a husband and wife both make $40,000 a year, are they entitled to a policy that is based on $80,000 of combined income, or are all policies handled on an individual basis?
Can my term life insurance rates go up? If I have already bought a term life insurance plan for 20 years a year ago, and I get a new job which is a higher risk job, will my insurance rate go up? If so how much could it go up by?
Who offers cheaper and better term life insurance? We just had a Primerica representative come in our house and try to tell us why we need life insurance. I do agree and I would like a term life insurance plan, but am not sure if I want to go with Primerica. They are not the cheapest and I read some good and bad things about them. Can anyone recommend some alternative companies? How is Transamerica? They seem to pop up in the top 10 insurance company list a lot.
What's the point of paying my premium if my term life insurance is expiring next month? i have term life insurance that i signed up about ten years ago that is going to expire soon. what's the benefit of paying my balance if the policy is going to expire?
Exactley how does term life insurance work? Whats the difference between regular life insurance and term?How does term work?
What would be the cheapest term life insurance policy available? What would be the cheapest term life insurance policy available?
Should I get private term life insurance? I'm 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate. Is it wise to get non-employer term life insurance now (before I'm 40)? I may not stick with my current employer for another ten or twenty years, but I'll probably be here for a few years. Is there any downside to waiting to obtain term life insurance elsewhere? Solution243--Looks like you have no real answers but send everyone garbage links (for scam, perhaps?). Or maybe the same link (from you) really does answer both this question AND someone else's question about how much he should be paid for working at a deli in New Jersey. I work for the federal government. The rate is decent, though I might be able to get a little better.
What does Term Life Insurance mean with no surrender value? If I had a 15 year Term Life Insurance at $100,000. with no surrender value. What would it be at the end of 15 years. Can I collect the full amount on this type of insurance?
Usually what is the typical premium for Term Life Insurance? I am planning to go for Term insurance. Usually what is the premuim? (I know it will vary across different insurance companies, but I guess there wil only be a small varition across) Say I need a cover of 25 lakhs for 25 years
Can people in Vegetative States get Term Life Insurance? My aunt isnt really in a vegetative state. She is aware of her surroundings and can tell when family comes in. However, she's had 6 or 7 strokes which have left her unable to move or talk. I am wondering if she is still eligible for term life insurance - which would cover the funeral costs when she passes.
Difference between term life insurance and permanent policies? My insurance company is offering a term conversion credit if I switch to permanent insurance. What's in it for them, and what is permanent insurance? Whole life? Any benefits for me to change?
Can I convert a Northwest Mutual Variable Life Insurance policy to a Term Life Insurance Policy? I signed up for the expensive Variable Life Insurance policy when I was making lots of money. Now that my earnings have dropped, the Variable plan is too expensive. I have some health issues which will prevent me from getting a reasonable rate on a new term life policy. Is it likely that NW Life will allow me to convert to term at the "health standard" that they used to sign me up 15 years ago?
when the term is up on term life insurance, what happens to the money you paid? do you get it back? im in my early twenties and im looking for life insurance outside of my job. i want to know if you sign up for term life insurance and the term is up what happens with the money you've paid? or is it just better to sign up for whole life insurance?
Where can I buy Term Life Insurance if I had a bout with Cancer? Does AARP Offer Term Life Insurance? For persons who were diagnosed with cancer but have no reoccurrence?
Where can I find term life insurance that doesnt penalize me for participating in hiking(risky sports)? I like to do day hikes and some snow climbing with no technical equipment, and overnites. I recently attempted to get term life insurance only to find extra charges because of my sport of choice.
Is 22 dollars a month with American General Life Insurance Company Term 30 Years too much? I am very healthy mom of tree seeking term life insurance and I got this quote. It is for 300 000 dollars, 30 years, term, I am healthy, family healthy no smoke,no driving problems, any extreme, no sick relatives, no overweight. I am looking for the best price and I got this quote for 22 dollars a month. Is there any better price? Thank you
what is the difference between direct term insurance and term life insurance? should you get direct term and what is thebest price you should pay for a non smoker age 35-39?
How to Find Quickly Best Term Life Insurance Quote? How to Find Quickly Best Term Life Insurance Quote?
Best Strategy for a basic Level Term Life Insurance? Anyone have a good source or strategy for getting level term life insurance from a good solid company? I've had several agents quote me but they seem high compared to prices that my colleagues have attained. They all seem to shy away from the basic level term life insurance and push multiple riders...its obvious they are trying to maximize their commissions. I've considered using a fee-only insurance advisor but the only local one I've found is $300 an hour.
I have term life insurance through my job and i want to know does govt. take out taxes on life ins. policies? I have a term life insurance policy through my job and i wanted to know if the irs will be taking taxes out if and when the policy is paid by insurance company.
Does anyone know if whole life insurance is better than term life? Say your in your late 30's and completely healthy, have a term life insurance for 250k for 20 years and you dont die in 20 yrs, your now close to 60 and have to start over dont you? Any advice would be helpful! Thanks!
Do I need both term life insurance and universal life insurance? My Statefarm rep is suggesting I transfer my 5 year term insurance (which is over at the end of July) to two different life insurances - a 20 year term insurance and a universal life insurance policy - does anyone else have both? I don't see why I can't just get the universal life insurance, since I'll get money back from it later and you get nothing from the term life insurance. I don't necessarily want the universal life insurance because I may be able to get money back on it later - I just want what I'll need in case something happens to my husband or myself while our children are under 18. This may sound like a dumb question, how do I find an independent insurance agent?
Is a whole term life insurance with a retirement plan a good idea? I had a meeting with and finace agent about geting my retiriment ready and he tried to sell me whole insurance with retirirment I have term insurance right now
How to find good term life insurance? Looking to get life insurance on myself. Need to replace 70K per year income in the event of my death. Need to support my wife and 4 year old son. What type of insurance would be best, and what type of investment advice could be given for my family to invest the money and live off the interest, leaving the principal untouched?
Is it better to have term life insurance or whole life insurance? I am 26 years old and just had a baby and want to know which insurance is better whole or term. How do I determine how much to get? Who besides my daughter if anyone should be the beneficiary? Note: Her father and I aren't married but I was considering leaving him a percentage so that he could have extra $ to provide for or daughter if neccessary - Is this a good idea?
Two business partners carry 15 year term life insurance. The insurer pays 100, 000 for each partner who dies? Two business partners carry 15 year term life insurance. The insurer pays 100, 000 for each partner who dies within 15 years, and 0 for each partner who does not die within 15 years. The remaining lifetimes of the two partners are independent and each are uniformly distributed on [0, 15]. Determine the moment generating function of the total amount the insurer pays for the partners.
Why do financial experts say term life insurance is better than whole life? I've heard it from Suze Orman, I've read it in Personal Finance for Dummies, but why do these life insurance agents keep telling me that Cash Value is better at protection than Term?
Can I buy term life insurance for my aunt who lives in CA? I live in Florida and was just wondering if I can purchase a term life insurance policy for my aunt in California? Will the term life insurance policy be in my name or her name, because I will be paying for the policy?
question about term life insurance trying to figure out something,? If a person brought a 400,00 term life insurance policy how much would the family get upon death. How exactly does this work. I know the insurance company just give the family 400,000 upon death, if that was the case everyone would have insurance. So, how exactly does this work?
Canceling a Term Life Insurance Quotes Policy? Dear Sir, Due to being out of work I am considering canceling a term life insurance policy as well as a disability policy.When I'm working again I can see about replacement policy.Is there usally a penalty for canceling a policy?How would I go about canceling these policies?
Can someone please explain the diff. between term life insurance and regular life? Also is it better to just by a plot burial and lock in the rates today, my job does not offer life insurance and i would like some type of reassurance for my family if i were to die. I'm in the 25-35 yr range group, can anyone suggest polices or explain them altogether!
what companies that buy term life insurance ? I have a extra term life insurance policy on me and I am wanting to get out of debt and have money too. I have seen some commercials in the passed that buy Insurance policies from people for a part of the face amount of the policy but I can not remember what company that do's that. so that is my question. companies that buy term life insurance
Can I convert my Adjustable Life Insurance policy to Term Insurance? I currently have a $300,000 Adjustable Life Insurance policy and want to convert it to a $300,000 20 Year Term. Can I do this or will I have to surrender the policy and start a new policy? I checked my life policy and there is nothing mentioned about any type of conversion. Just curious about everyone's thoughts.
Is there anything such as free term life insurance policy? I came across an offer of Free $100,000.00 Term Life Insurance Policy just for registering to try a new Free FOREX trading system. It requires medical exam, but at my age it would save a few thousand dollars, so I registered at www.FreedomFOREX.IntelaTRADER.com to see if it is for real or not. Anyone else see an incentive like this before?
Question about purchasing term life insurance while awaiting a universal policy..? I recently applied for univeral life insurance. Can I purchase term in the meantime..? ..In other words, can I purchase term life insurance while awaiting confirmation of my universal policy - with the same insurance company (I know I will be approved for universal because of my good health). Please, informed answers only. Thanks everyone.
Can someone tell me the difference between Whole Life and Term Life insurance? Help? I'm not sure if this is the right catagory, but I need some answers before I change insurance companies, so any help here is greatly appreciated.
What happens to the dividend option term rider on a whole life insurance policy? If the cost of insurance on the dividend option term rider is higher then the monthly premium being paid. What happens to the term insurance portion of the whole life policy at that time? I have this rider now on my whole life policy to maximize my death benefit at the lowest cost but I'm thinking that either I will have to pay more premium if the cost goes up or I have to drop the rider.
Bank Term Life Insurance vs Term Life from Major Insurance Company? What is the difference between buying a term life policy from let's say Metlife or HSBC bank. If the policy were to be for the same coverage.
I have a a term life insurance calculator? I have a term life insurance calculator, i want to place the link in to other sites which are relevant to term life insurance. Can any one please suggest me list of those sites which are relevant to term life insurance or any article or blogs site which belongs to an individual person and is relevant to life insurance. Please provide me only US site. thanks
After a 10 year term life insurance expires, should the premiums double for the next 10 years? When we got our policies I was 24 and my wife was 29. We got our renewal notice for the next 10 years and they are now over twice as much. Is that common or just our insurance figuring they already have us so they will charge more?
Have the term life insurance premiums have been reduced drastically for HNIs with no specified diseases? The conditions quoted in the news item were as follows. The sum assured should be Rs 1 crore and above. The insured should have have specified diseases like BP etc, and have a good health record. The parents of the insured should not have specified diseases. Have any insurance companies reduced their premiums?
How important is it to get the best rates Term Life Insurance company? I am looking at these options: http://www.zanderins.com/term/instantquote.aspx Is there really a huge difference from top to bottom? Can I go with the more affordable option?
Two business partners carry 15 year term life insurance. The insurer pays 100, 000 for each partner who dies w Two business partners carry 15 year term life insurance. The insurer pays 100, 000 for each partner who dies within 15 years, and 0 for each partner who does not die within 15 years. The remaining lifetimes of the two partners are independent and each are uniformly distributed on [0, 15]. Determine the moment generating function of the total amount the insurer pays for the partners.
I have term life insurance with AIG purchased 5 yrs ago. Should I cancel it and buy from another company? I am concerned about having to pay more now that five years have passed and I am in a different age range (associated with higher rates). Is my insurance policy secure? What if AIG goes under?
Is Long Term Care Insurance combined with Life insurance is good or better separate policy? It's a difficult to get started to buy Long Term Insurance , it's expensive and maybe will never use it. Life Insurance at least you know you will die sooner or later. I was offered a combined insurance with Nationwide Ins... now confused if that is a good idea. BTW I am 60.. Anybody has any suggestion or information about Nationwide? Thanks.
How many term life insurance policies can you have? Wanted to know if you could have multiple without it being a problem upon a claim.
Should Keep or Look into term Life Insurance Quotes? I have a whole life policy which I have been paying 45.00 per month for 16 yrs. I have to pay this amount until age 99 so they say. The amount it was for when I bought it was 50,000. It builds cash value. I am now 62. Should I keep this policy or look into term insurance?
Does term life insurance take into account the combined income of a married couple? I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that take into account the combined household income. If a husband and wife both make $40,000 a year, are they entitled to a policy that is based on $80,000 of combined income, or are all policies handled on an individual basis?
Can I convert my Adjustable Life Insurance policy to Term Insurance? I currently have a $300,000 Adjustable Life Insurance policy and want to convert it to a $300,000 20 Year Term. Can I do this or will I have to surrender the policy and start a new policy? I checked my life policy and there is nothing mentioned about any type of conversion. Just curious about everyone's thoughts.
When applying for term life insurance; What do they look for in the blood and urine test exactly? I'm just curious, we have a nurse who is coming to draw blood. I've been told its for pre-exhisting conditions but what does that mean exactley?
What type of income is group term life insurance, when doing an income tax return? There are so many types of income, but under which one does it go?
extending an existing term life insurance policy? can i extend an existing term life insurance policy if i am now terminally ill ?
Primerica Term Life insurance - Is it any good? I have been hearing mostly bad things about Primerca as a company as a whole and only a few good things but mostly bad. However i am more interested in their Term life insurance policies. Is anybody farmiliar whit it that can offer me some guidance. http://politics-government.cn/health-insurance.html
Does any company offer "Annual renewable term" life insurance in India? Isnt it a better option than Level term? I wish to go in for a pure-risk poicy only, as i believe that insurance and investment should not be mixed up. Any suggestions regarding the same. It seems to me that LIC and SBI are the ones offering the lowest quotes for level term insurance plans. Which plan and which term is best to go for, for a 28 year old..
What is the difference between whole and term life insurance? Which one is better to provide for your families needs if something happed to you?
Short term life insurance for flight? I am flying to India in a couple of months. What's the cheapest way to get life insurance for that particular flight?
What is the difference between a whole life and a 10 or 20 year term life insurance policy? And what company has the best price available? In the USA...
I have No Life Insurance And would like to know about Term life Insurance? We are having our 3rd child (Ripper) and I would like to know about life insurance policies. Is term life insurance affordable? Can I get A free term life insurance quote online. Thanks
What is the cheapest term life insurance and what do you have to go thru in order to get it? ? What is the cheapest term life insurance and what do you have to go thru in order to get it? Any help on that would be appreciated thanks; i am 33 years old; i am in ok health i tried to get life insurance before and was turned down; i have this pain in my groin that noone can figure out its not lethal; i take lortab for the pain and xanax for the stress; what would cause them to turn you down for insurance; thanks in advance
How to Quickly Find the Best Term Life Insurance Quote? i want to know how to find the best term life insurance quote without get scammed
What is the best online term life insurance finder? there seems to be a million of them on the net; which is considered areliable finder of good term products from good life ins companies?
Term life insurance with sleep apnea? Can you still get term life insurance if you have been diagnosed with sleep apnea? If so, will this increase the cost of the insurance?
How to Find Quickly Best Term Life Insurance Quote? How to Find Quickly Best Term Life Insurance Quote?
when getting life insurance is term life the way to go? I don't know if term insurance is the best option
is it true that a term life insurance plan doesnt pay out tthe full policy amount when you die? example...my term ploicy is worth 30000. when i die, will the whole 30000 be given to me? term type - renewable and convertible also, which company has the best term plans?
Should Keep or Look into term Life Insurance Quotes? I have a whole life policy which I have been paying 45.00 per month for 16 yrs. I have to pay this amount until age 99 so they say. The amount it was for when I bought it was 50,000. It builds cash value. I am now 62. Should I keep this policy or look into term insurance?
When the term is up on term life insurance, what happens to the money you paid? do you get it back? im in my early twenties and im looking for life insurance outside of my job. i want to know if you sign up for term life insurance and the term is up what happens with the money you've paid? or is it just better to sign up for whole life insurance?
What is decreasing Term life insurance policy? What is decreasing Term life insurance policy?
Can you purchase term life insurance with no job? Can you purchase term life insurance with no job?
I've just had a baby boy, and my girlfriend and I need term life insurance, can you help me find a great deal? I live in Texas-San Antonio, I am 19 and she is 19 and we are both non-smokers in good health, we are full time college students, we have a very limited income, and even more so with our new baby boy! I am really stressing for him and I need some coverage for about 15 years or 10 yrs in term coverage, I want his future to be more secure if something happens to me or his mother. We are not married yet and decided this was very important for our baby. Please help us find an inexpensive term life coverage that is at least 150,000 or more.
Does term life insurance take into account the combined income of a married couple? I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that take into account the combined household income. If a husband and wife both make $40,000 a year, are they entitled to a policy that is based on $80,000 of combined income, or are all policies handled on an individual basis?
Can I convert a Northwest Mutual Variable Life Insurance policy to a Term Life Insurance Policy? I signed up for the expensive Variable Life Insurance policy when I was making lots of money. Now that my earnings have dropped, the Variable plan is too expensive. I have some health issues which will prevent me from getting a reasonable rate on a new term life policy. Is it likely that NW Life will allow me to convert to term at the "health standard" that they used to sign me up 15 years ago?
Where can I buy Term Life Insurance if I had a bout with Cancer? Does AARP Offer Term Life Insurance? For persons who were diagnosed with cancer but have no reoccurrence?
Can I convert my Adjustable Life Insurance policy to Term Insurance? I currently have a $300,000 Adjustable Life Insurance policy and want to convert it to a $300,000 20 Year Term. Can I do this or will I have to surrender the policy and start a new policy? I checked my life policy and there is nothing mentioned about any type of conversion. Just curious about everyone's thoughts.
What term life insurance options are available for people with heart issues? For instance, on meds for high blood pressure, beta blockers, etc.
Term Life Insurance Qoutes Duration Advances? I'm thinking about taking out a Term Life Insurance policy on my ex, for $250,000; for ten (10) years. Is there any advantage in taking out a Term Life policy for $250,000; for five (5) years? Thanking you in advance for your expert assistance in this matter.
what is the best online term life insurance finder? there seems to be a million of them on the net; which is considered areliable finder of good term products from good life ins companies? what is a .bs extension in a URL? what country is BS?
Any disadvantages to having two (20 & 30 yr) term life insurance policies for half the amount each? This is in place of one 30 yr term life policy for the entire amount. We have quotes that show a lower combined premium when we split the policies; by about $200 a year. Insurance is for 41 year old male, preferred plus category.
What is the term life insurance for someone 50 years old? Looking for about $300k for 20 years. -- Thanks. Should be --> What is the 'best' term life insurance for someone 50 years old? Financial Answer Guy - Male - 50 - Never Smoked - Excellent Health - Pittsburgh, PA Can I ask who (what company) has the $56 per month policy? Thanks for all the answers so far...... Financial Answer Guy - Is there an email address I can reach you at? Thanks.....
Why is it cheaper to get term life insurance as a business or through a business than as an individual? It seems much more costly to buy direct as an individual than thru my company. Is my company getting a tax credit/discount? Should I form an LLC to get the same discounted value?
Is it true that term life insurance rates will be decreasing in 2008? Will it happen right away or gradually throughout the year if so? I was ready to buy our policies a couple of weeks ago until I saw a large article published about the probability of this happening...
Should I keep term life insurance on myself after the spouse has passed away? I have no kids or any benficiaries at this moment.
How should I go about choosing a term life insurance broker/company? I'm married with two children and have one more on the way (very early on in the pregnancy). I'm 29yo, but my father passed away of a heart attack when he was 39. I'm having trouble going the easy route... ie, online, and need some advice on how to choose someone.
Which of the following best describes term life insurance? A. The insured is covered during his or her entire lifetime. B. The insured pays the premium until his or her death. C. The insured pays a premium for a specified number of years. D. The insured can borrow or collect the cash value of the policy.
Which term life insurance policy should i choose? I am 29 and deciding between 20 year and 30 year policies..? I am 29 years old, in good health and a non-smoker. We just added a new baby boy to our family and I wanted to get a good life insurance plan. I can't decide between 20 year and 30 year policies- the 30 year is about 1.5 times more expensive a year than the 20 year plan. Any advice?
For how long should I get my term life insurance? My husband and I are 30 and looking at term life insurance. He's healthy as a horse with no illness in his family history and is the only source of income. I on the other hand have Crohn's disease. My dad died at 49 of pancreatic cancer. My mom had breast cancer at 38 and now at 55 has secondary bone cancer and diabetes . So I'm going to cost a fortune to insure. Since he's the only financial provider so his will be much higher than mine. Should I maybe make his 10yr and my smaller one 20? Also what is a good company to go through?
If a company pays the premium on a term life insurance policy, can the beneficiary be anyone? $1,000,000 policy The company is owned by the policyholder. It's not a group policy.
Does anyone know anything about long term life insurance? The kind that you can take money out when you are older and is like a retirement fund? What kind are the best?
Can you buy additional term life insurance policies? We each bought a term life insurance policy about four years ago (they last 30 years) but are now thinking the amount we chose is not enough. Can we get additional term life insurance for higher amounts to "add on" to the first policy?
Should I continue to pay my term life insurance premium? I am a 51 year old female. My policy date of issue was 6/16/96. Years payable: 15. Benefits: $250,000. Annual premium (billed quarterly at $80.16) is $302.50. I have already prearranged my cremation worldwide through Neptune Society. I have twins in their first year of college.
Is employee paid voluntary term life insurance covered under cobra laws in PA? If an employee pays for additional term life insurance and is terminated, is that employee entitled to keep that term insurance? The state in question is Pennsylvania. I know that health insurance is covered under Cobra, but is term life insurance covered under any laws?
Term or Whole life insurance which is best for 18 yr old female and what is the difference? Is $12 per month a good premium for a 30k term life policy for the 18 yr old female? Everyone should have some life insurance coverage to pay for funeral expenses. I believe this is what she wants it for that and a little something to pay off any bills she may have. I thought it was a bit too high for only 30k.
What factors help you pick one life insurance company over another, that offer similar quotes on term life.? I have 2 life insurance companies that are offering me very similar quotes (annual premium) on term life insurance. What factors do I need to keep in mind, when deciding which one of them to go with.
Why you would be better off buying a 20 year term life insurance policy at age 25......? Why you would be better off buying a 20 year term life insurance policy at age 25 rather that buying a one-year renewable policy?
What does a term life insurance medical exam consist of? And what companies do people recommend.
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