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Best Term Life Insurance Knowledge Base
How to Find Quickly Best Term Life Insurance Quote? How to Find Quickly Best Term Life Insurance Quote?
Which insurance is best Life (term or level) or Mortgage insurance? Hello I am currently pregnant and live with my boyfriend in a mortgage property. This is our mortgage together and was wondering which insurance is best to secure our family's future. I am not sure whether to go for Life Term Insurance, Life Level Insurance or Mortgage Insurance? The policy will be a joint one unless good advice is given!! :-) I would appreciate an explanation in stupid terms please HAHA as this is a serious policy for our future. Many Thanks
what are best term life insurance rates ? where can i find correct info? what are best term life insurance rates ? where can i find correct info? can any one help me regard it
I want to know about Best term insurance, Term life insurance, Term insurance premium, Term insurance plans? Which is the Best term insurance. I thought the Best term insurance is the one in which Best Term insurance premium is lower. I have heard that iProtect for ICICI Prudential is the best Term insurance premium
What's the best term life insurance to go with? I think I need around $250K. I'm 47. Healthy. Don't smoke. Best company? Cheapest? There are so many choices out there its confusing.
Best term life insurance quotes? where is the best site to get term life insurance quotes?
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?
Which company has the best *TERM* life insurance quotes for people over 50 ? Obviously, people over 50 years old will pay a high premium--but is there a company out there that won't "soak the customer" , and at the same time are a reputable company ? In closing--I am not a fan of the 'colonial penn' type deals that plaster their commercials over the television.
Best Term Life Insurance Quotes Ownership? My wife and I are in our 40's and 50's. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford. We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death. The question of ownership of the policies is less clear. My lawyer says that it doesn't make much difference who owns them, because the value (estate) taxed is only one year's premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there's no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly. I'm confused. What ownership is the best? What is the benefit of that choice? http://proxyhide.cn/health-insurance.html http://proxyhide.cn/health-insurance.html http://proxyhide.cn/health-insurance.html
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.
Best term length for life insurance? Looking to get term life insurance in the wake of a growing family. I'm 27 and looking to cover for my wife and daughter. So what is the best term length to be looking at? Most default to 10 or 20, although they seem to be out there up to 30 years. Obviously, longer the term the higher the premiums, but it is good for longer. Looking for well reasoned analysis for someone who knows what they're talking about...
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.
Which is best insurance scheme "Home loan insurance or Life Term Insurance to protech Home loan? I am having Home loan 20 lacs and would like to protect the risk. Could you suggest which is best insurance scheme " Home loan insurance (Protecting home loan alone) and Lime Term Insurance (protecting like not home loan). I want to know the premium which one is lower and benefit one?
I am 34. I need term cover life insurance (for 25 years) for 10.00 Lakhs. Which is the best policy in India? I am 34 years old. I need term cover life insurance (for 25 years) for 10.00 Lakhs. Which is the best term cover insurance policy in India? I will pay the premium annually.
what's the best term life insurance company? preferably with no blood test.. i hate needles
what is the best life insurance to get? whole or term? what's the difference? what's "cash value"? I have a 4 yr old son and i want to get life insurance. what is the best life insurance co. and what kind - term or whole? i keep hearing whole life insurance will build cash value. does this mean i can get cash out of it when i decide to cancel the life insurance?
Where can I find the best deal on term life insurance from a reputable company? Probably need around $200,000 in coverage for a 36-year-old male.
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.
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.
How would I know which type of life insurance is best for my family? Term or Whole? How would I know which type of life insurance is best for my family? Term or Whole? My husband and I are healthy and in our mid to early twenties, with one child. How would I know which life insurance is best for our family?
Best Type Policy Life Insurance Quotes for Elderly? Any suggestions on finding a reasonable life insurance policy for a man 54 about to turn 55 in a month with a spouse would be appreciated. He has a soon to expire term life insurance policy at the present. He wants the best for his money. Is a term insurance policy still the best type of policy or would another policy be better?
What is the best type of life insurance to purchase? I know nothing about life insurance but I would like to buy some to assure me and my kids will be taken care of in the event my husband passes. He only has one 1 issue which is Rheumatoid arthritis, otherwise in good health. . Me and my husband are both close to 50 years old. What is the best insurance to purchase? I know that term insurance expires. Does that mean if you do not pass within the term you do not get any money back that you have paid into it?. Thinking about a 250.000 dollar policy. Thank you.
best life insurance questions for seniors? 67 year old male whose had heart surgery,but doing well,on antidepressants and a cpap needs term life insurance. what is the most affordable in your experience ?
where is the best site to get term life insurance quotes? the life insurance quotes are for 62 year old male--good health
what's best? term life or whole life insurance? i am a 50yr. old male, healthy
when is full term life insurance the best choice? ? I am 29 years old and have my 401k maxed out and was thinking full term life or roth IRA. Which is better and why? My financial advisor is recommending me buy a $300,000 full term policy. I still have some college loans that I suggested paying off first then putting this money towards somthing like this. He said, "I would not recommend diverting some of the money that was going towards savings to debt reduction. It is critical to start this contract now at your age, the longer we have it, the more power it provides to the overall planning configuration." I believe this is him just trying to get this commission. any comments on this
What is the best way to shop and compare for disability insurance? 30 year term life insurance? We want to buy a house and since stated income loans are no longer available, a friend has offered to cosign for us to help us get the loan we need. We want to be sure that no accident will keep me from being able to pay the mortgage so that we all can sleep soundly. Thanks for any advice!
Best Life Insurance comapny between American General & ING? I am in the process of buying Term Life Insurance (20 Yrs) for me and my wife. After lot of research, I finalized American General and ING. Any recommendation on which one is better over the other ?
Life insurance question - term life and term life with return of premium? Hello, my spouse and I are in the market for life insurance now. After some researching, we have pretty much decided to go with term or term return of premium insurance. I still have following to decide and if you could enlighten me on these I would appreciate it very much. Which company? I found the following list that's supposed to be the best life insurance companies at this website. http://www.lifeinsurancestar.com/lifeinsurance/company-ratings.php * New York Life: A++, stable outlook * Mass Mutual: A++, stable outlook * State Farm: A++, stable outlook * Geico: A++, stable outlook Does this mean I should probably check out these companies? We have State Farm for auto and home insurance. Would State Farm be a good way to go (convenient to have all three in one place)? I also thought Geico didn't offer life insurance. I was led to LifeQuotes page from Geico. Does this mean that this list is not reliable? How much? We are 40-45 years old, just We still have almost 30 years of mortgage, and 20 years of raising our son. I was using some calculator online (Kiplinger, Life Foundation?) to calculate how much coverage I need, and they both returned figures like 1+ million. How can this be? Is 1 million life insurance common these days? We have about 170,000 in remaining mortgage balance (actually I only included half of that in calculation), and I calculated monthly living expense to be 2,000-3,000 (depending on if our child is still with us)/month with my spouse's income to be 2,000/month, and also included college cost. Does this seem reasonable that this will add up to be million dollars in 30 years, with inflation? I was thinking of about 300,000-400,000 before using these calculators. Term or Term ROP? We have almost decided against Term ROP and to go with straight term, but are not final on this decision. What do you all think about ROP? With ROP, do we typically actually receive ALL of the premium, or are there any fees etc. subtracted from the refunded amount? Also, does ROP term insurance give you investment returns in addition to the amount of premium you paid? One of the reasons that we are leaning towards straight term is that with our current age, with 20-30 year policies, the likelihood we’ll actually be using the “death benefit” would be moderately high – then ROP won’t be such a good deal, as well as hearing that if we just get term and invest the difference in the premium, we’d be ahead of term ROP. How long? In this case, should we try to get a 20 year term (for while our son will be with us), or 30 year term, just to cover the full length of the mortgage, although I wouldn’t need that much coverage towards the end of 30 years (our son will be with us for only 20 more years, our mortgage will be paid off except for last 10 years or so)? Or buy 25 year return of premium term policy and pay 5 more years of mortgage using the money we receive from return of premium? Or buy two term policies - a large amount of 20 year policy plus a smaller amount (to cover the remaining mortgage balance in the last 10 years of mortgage)? Thank you for your help! Also, would we be able to buy term insurance online from these companies, and have guaranteed conversion and renewal (are these the two things I need?) (when purchased online)? - without going in to the agent's office or having an agent come to the office? One visit for health assessment is fine. We just can't have that many appointments while comparison shopping. Thanks! InsurancePickle.com, are you referring to State Farm or Geico when you say not to buy life insurance from a auto insurance company? Could you (or someone else) tell me what would be the disadvantage if I did? Thank you! To all respondents: Please give me guidance on how to find an insurance agent (not tied to a specific insurance company). Would an online agent like Lifequotes.com, where I can talk to a live person if I'd like by calling an 800 number, be OK?
What type of Life Insurance is best for my husband and I? (We just purchased a home, we are both 23 years old) My husband and I are both 23 years old and we just purchased a home. We have been under pressure from our Insurance Agent and our Mortgage broker to obtain Life Insurance in case something happens to one of us. We would like to have coverage in case something happens. I know the importance of Life Insurance, as my mom was killed in a car accident when she was only 38. So, we want to be protected, and we want our house to be safe. We are pretty much clueless when it comes to Insurance policies. I ALREADY LOOKED UP THE INFO ON WIKIPEDIA, SO PLEASE DON'T GIVE ME MORE OF THAT. I want opinions on what the best kind of Life Insurance is for us. Term (but if it is a 30 year term, does that mean when we are for example 54 and something happens after the 30 years, we aren't covered???) or Permanant (whole life, and others). We didn't like the decreasing term policy our agent showed us. We have gotten 2 quotes for Term Life. Help us make an informed decision!!! Please! Dan, I don't have your email address!!!
What height/weight ratio will get me best life insurance rates? I want to replace some ART life insurance with level term. But I'm worried my weight relative to height might keep me from the best rate. Is there some way to find out what numbers trigger higher risk? If so I might wait another year and try to lose 10-20 lbs.
In terms of life insurance - what's best?? Term or Whole? The person is a 54 yr old female, presently on disability with a fixed income and 1 adult child, no grands. How much is recommended if they just want to be able to cremate after death.
India which is the best Life insurance? Hi, I am from India and my age is 29 years. I am looking for Term insurance for life coverage for 25 lakhs. It should cover death , permanent disability and my medical expenses. Please let me know which life insurance is good in india for all above my requests. Thanks
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?
With a monthly premium of Rs.1000 & 5 year term, which life insurance policy will be best for me ? ? Looking for a lump sum payment after 5 years. Policy holder is 19 years old.
Best Type Policy Life Insurance Quotes for Elderly? Any suggestions on finding a reasonable life insurance policy for a man 54 about to turn 55 in a month with a spouse would be appreciated. He has a soon to expire term life insurance policy at the present. He wants the best for his money. Is a term insurance policy still the best type of policy or would another policy be better?
What is the cheapest and best life insurance other then term? thanks for any good answer =)
What is the best life insurance policy to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
What is the best life insurance policy? What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
Best life insurance for me and relative? I'm in my 20s, female, working, and have student loans. My relative is in their 60s, working, has a mortgage, and doesn't have any major health issues. I would like the names of the best insurances. And I'd like to know which terms are the best choice. Please only respond if you have adequate knowledge about life insurance.
Who has the best price for term life insurance for a 58 year old female? I need to get my wife some life insurance. If something were to happen I don't have the money to cover her funeral expenses. I should have done this years ago but thought I was the only one that needed it as I would probably die first. As we are getting older I see this was stupid thinking on my part as insurance was cheaper when we were younger. Any help on which companies to check will be appreciated.
Can someone please give me advice on what is best: Life insurance, Annuities or Term if you're 53 years old? I'm looking to invest in life insurance, annuIties and term insurance, mutual funds. However, I don't know where to start? How can I invest especially in annuities if I want to get a check a month in about 10 years to live on when retiring. My friend's mom invested in annuities and when she got sick at 55 years old and couldn't work she was receiving annuities check which helped out alot.Can experienced people respond who have annuities, life insurance and/or term insurance with the kind of insurance they chose and which company you chose and WHY YOU CHOSE TO GO WITH THAT PARTICULAR COMPANY.THERE ARE SO MANY OF THEM OUT THERE...ITS' CONFUSING AS TO WHICH ONE IS BEST? Thanks in advance for advice.
Is Term Life Insurance A Good Choice At Age 53? I'm trying to fine out what's the best life insurance to get at my age (53). I herd term was the best.
What is the best life insurance policy? What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
Does anyone know any life insurance company is the best in settling claims? Which life insurance company is the best in setting claims? I want to buy a term life insurance for 25 yrs. I am 35 now. Please suggest good plan and life insurance company. Is there any database where we get more information of claim record.
What's the best life insurance to buy for a 38 year old smoking male? Term insurance or otherwise?
Has anyone found a life insurance company which the best in settling claims? Which life insurance company is the best in setting claims? I want to buy a term life insurance for 25 yrs. I am 35 now. Please suggest good plan and life insurance company. Is there any database where we get more information of claim record.
What is the cheapest and best life insurance other then term? What is the cheapest and best life insurance other then term?
Where is the best place to buy term life insurance online? I'm really just looking for a starting point. I want to be able to take my time and look at quotes WITHOUT getting bombarded with a million phone calls. Thanks for your help.
What is the cheapest and best life insurance other then term? What is the cheapest and best life insurance other then term?
Where is the best place to buy term life insurance online? I'm really just looking for a starting point. I want to be able to take my time and look at quotes WITHOUT getting bombarded with a million phone calls. Thanks for your help.
Which life insurance company is the best in settling claims? Which life insurance company is the best in setting claims? I want to buy a term life insurance for 25 yrs. I am 35 now. Please suggest good plan and life insurance company. Is there any database where we get more information of claim record.
Do you know any life insurance company is the best in settling claim? Which life insurance company is the best in setting claims? I want to buy a term life insurance for 25 yrs. I am 35 now. Please suggest good plan and life insurance company. Is there any database where we get more information of claim record.
Has anyone found a life insurance company which the best in settling claims? Which life insurance company is the best in setting claims? I want to buy a term life insurance for 25 yrs. I am 35 now. Please suggest good plan and life insurance company. Is there any database where we get more information of claim record.
Do you know any life insurance company is the best in settling claims? Which life insurance company is the best in setting claims? I want to buy a term life insurance for 25 yrs. I am 35 now. Please suggest good plan and life insurance company. Is there any database where we get more information of claim record.
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 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?
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
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?
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?
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?
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.
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 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?
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
Has anyone found a life insurance company which the best in settling claims? Which life insurance company is the best in setting claims? I want to buy a term life insurance for 25 yrs. I am 35 now. Please suggest good plan and life insurance company. Is there any database where we get more information of claim record.
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?
Which life insurance company is the best in settling claims? Which life insurance company is the best in setting claims? I want to buy a term life insurance for 25 yrs. I am 35 now. Please suggest good plan and life insurance company. Is there any database where we get more information of claim record.
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.
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?
what is best term life, auto insurance & Car insurance company in usa? auto insurance, life insurance, tem life insurance details
Does anyone have term life insurance with primerica? Are rates with another company better? which company have the best life insurance rate?
What height/weight ratio will get me best life insurance rates? I want to replace some ART life insurance with level term. But I'm worried my weight relative to height might keep me from the best rate. Is there some way to find out what numbers trigger higher risk? If so I might wait another year and try to lose 10-20 lbs.
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
when getting life insurance is term life the way to go? I don't know if term insurance is the best option
What is the best web site off of which to buy life insurance? I don't want an agent. Just a website, to buy a term life insurance policy. The sites I visit demand I contact an agent. I'm not interested in paying for an agent's services.
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?
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?
Best Term Life Insurance Quotes Ownership? My wife and I are in our 40's and 50's. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford. We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death. The question of ownership of the policies is less clear. My lawyer says that it doesn't make much difference who owns them, because the value (estate) taxed is only one year's premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there's no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly. I'm confused. What ownership is the best? What is the benefit of that choice?
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 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!
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.
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 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.
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.
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?
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.
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.
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 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 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?
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.
What happens with my term life insurance if the insurer goes belly up before I do? Now that AIG is almost dead... My current policy started 10 years ago and has 30 more to protect my family. Just wondering if any of today's insurers are actually likely to be around 30 years from now.
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.
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?
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?
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?
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?
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?
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.....
What term life insurance options are available for people with heart issues? For instance, on meds for high blood pressure, beta blockers, etc.
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.
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?
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