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lasm97 | Could you explain about life insurance, I am a bit clueless? |
I receive some life insurance from my employer and so does my husband but that is not near half of what we would need to cover our needs if any of us died. We have small children, a mortgage and debts (cars, credit cards, etc). I have received offers through the mail to get life insurance, but many are for no more than 50K or 100K that's just not enough. I also get some offers through the AFT (teachers). What should I know about life insurance. What are the terms used and what do they mean. Where could I read more about this to help me make decisions such as where to buy, what kind, and how much? |
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Steve S
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contact any insurance company and they would be happy to answer. I will leave for you my suggestion. Its a DIMES worth of insurance
D Death enough to cover funeral expenses usually 10-15,000
I Income replacement Your income times 3-10 years You decide
M Mortgage (Enough to cover Mortgage) I usually don't recommend paying it off
E Expenses other debts, car loans credit cards student loans
S Savings 3-6 months of savings, Money to mourn or don't have to worry about work right away.
Add them up and subtract what you have in place
Insurance rates are banded so you find discounted rates as cross over 100,000- 250,000- 500,000- 750,000.
So choose appropriately.
If you are young I would take out a 30 year term. Also but money into another retirement vehicle so if you out life the policy you have final expense money available. If you purchase through work you generally end up with Group term that changes rates annually. I hope this helps. |
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mbrcatz
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Don't buy your life insurance over the internet or through a mail flyer. Start with the guy that writes your house/car insurance, and if he can't do it, ask him for a LOCAL referral. That guy can sit down with you for a few hours, and explain all the different terms and policy types.
Hint: Decide in advance, BEFORE you talk to this guy, what exactly you want the insurance to accomplish for you. That way, you won't be buying any extra (read expensive) add ons that don't meet your goals. |
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Sharron G
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There are quite a few websites that you can turn to for reliable information.
I used to be in the insurance business, and one of my favorite sites at the time to help clients learn about insurance was:
http://www.insurance.com/FAQs/LifeFAQs.aspx
It's been years since I went out there, I can't imagine that they are any less reliable.
I do NOT suggest that you buy additional life insurance on line or that you buy from an envelope in your mailbox. You should go to a reliable person that will come to your home and sit down with the two of you, going over your bills and your estimated upcoming bills (new home, kids in school, braces, etc) and help you figure out how much you actually need.
Where do you have your house or renters insurance? That may be a good place to start, because at least you feel comfortable with that person/company. If you aren't comfortable with that thought, go to your HR representative and they probably have some cards or names of people they can turn you on to.
Good luck. It's tough to talk about, but an important thing that you have to do! |
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Hadley
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Here are a few things you may want to consider before you buy life insurance:
1. How much do you need?
2. Why do you want the life insurance - to meet what financial goals?
3. How long do you need the life insurance?
4. How much can you afford to pay for life insurance?
5. Do you need life insurance for you and your husband?
Now, in order to learn more about life insurance you can visit http://www.term-life-online.com/how-term-life-insurance-works.html to learn how term life insurance works.
Always compare rates and plans from several insurance companies on your own before you buy, that way you have done the research without being pressured by a life insurance agent to choose a certain plan, or buy a higher premium life insurance policy.
If you want to compare free term life insurance quotes online for you and your husband with no obligation visit https://www.efinancial.com/smartquoteefc.aspx?source=389-707 They will give you up to 12 Instant Quotes for term life insurance from top-rated insurance companies.
I hope that helps! Best of luck to you. |
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Bradley S
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The link in “Sources” takes you to an article that introduces some concepts and terms. All life insurance pays an amount of money, known as death benefit, when the policyholder dies. The death benefit is intended to replace the lost income of the deceased, allowing the survivors to maintain the lifestyle they enjoyed before the love one’s passing—at least for a period of time. To receive a free quote for additional life insurance, log on to http://www.lifeinsurancewiz.com and complete the form. |
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rajan_4u_only2002
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i have all insurance plans and above 50k so please mail me or contact me on 9825573289 for taking insurance or mail me on Rajan_4u_only2002@yahoo.com |
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Dale B
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None of the answers recommended that you purchase term insurance instead of whole or universal life insurance. I supspect they are posted by insurance agents who would rather sell the overpriced whole policies than affordable term insurance. They make a much higher commission on those policies. I suggest that you buy term insurance if you are cash strapped, instead of whole/universal life because the coverage is much greater per dollar spent. Although term life does not build cash value it does what you need insurance to do PROTECT YOU AGAINST A CATOSTROPHIC EVENT for a specified period of time. The cash value builds in a whole life policy at a snails pace since it cannot be fully amortized until your age is 100! Often the first two years of premiums go towards the agent's commission. The difference between the cost of a term life policy and a whole life policy can instead be invested at a much greater rate of return. This difference is significant you can afford much more coverage when you buy term. Assuming you are disciplined enough to save it. An aggressive agent may try to convince you that because a term life policy expires worthless if you don't die during the term it is a bad product. Don't listen! Everyone has car insurance and I don't know of any car insurance policies that build cash value. Chances are the same agent that tells you term life is not worth it, also sells car insurance. Just ask him why you would buy car insurance? Good Luck! |
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