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?
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.
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.
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.
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.
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?
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.
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?
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?
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?
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.
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.
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
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.
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 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
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?
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?
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.
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 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.....
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.
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?
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.
Powered by Yahoo! Answers