Does anyone know a good life insurance policy?

I have been shopping around for life insurance that will not cost crazy premiums, anyone have good experiences. I am in my 30's and in good health.

One type of good life insurance policy for someone your age is "Level Term Life Insurance".

Level term provides term life insurance for 10, 15, 20 or 30 years. The rates remain level and the coverage amount remains the same for the entire term of the policy.

Term life insurance is usually the most affordable type of life insurance for someone in their 30's.

You can compare free, instant quotes for term life insurance online from a term life insurance quote provider.

You answer some questions and they give you up to 12 quotes from top-rated life insurers. By comparing quotes you may be able to save money, since insurers rates may vary by up to 50%.

I hope that helps! Best of luck to you.

There are lots of good insurance companies. Just call a local independent agent who represents several, tell him or her what you are looking for and why and they will quote you several companies. Just pick one. Be sure you get an agent who will ask you questions and not just quote you what they want to sell you. By all means get term.

First, you would need to know the reason(s) for the insurance. Are you wanting to have your debt paid, income replaced, mortgage paid and/or your children's education paid? These are the four main questions that you need to ask yourself and spouse/partner.

Based on these questions, you should receive quotes (at least three). Make sure that your agent is asking these questions because the insurance can be tailored to YOUR specific needs. If you are being asked "How much coverage do you need?" or "What can you afford?" DITCH the agent. They are out to help themselves, not you and your family.

There are two types of insurance: Cash value- whole, universal, variable or variable universal and Term.
Cash value is what it says, a policy that has a cash reserve. This is not a place to mix savings and protection. Please keep them separate. CV works on 5 rules: 1) NO cash for first couple years- goes to company and the agent; 2) interest earned is between 1-4%- you can do better; 3) you can borrow but you have to pay the Company 6-8% to take your money out!!! But this is my money, you say. Yep and they will CHARGE you to take YOUR money out; 4) They don't have to give you YOUR money for up to six months-!!!; and last but not least, 5) Your survivors get to choose between the face amount OR the cash value. Won't be cash value because that is way less the the face amount. Or you can even more and allow your family to have both. But usually it is a choice of face amount or cash value, but you have paid premiums and have both in the policy. If they choose face amount, the Company keeps your cash, that YOU built up.

Choose term, and has been said above, choose level term. At thirty, in good health, you should choose between a twenty or a thirty year policy. Make sure the policy has a built in rider for spouse/partner, children are added on for $5-10 extra and that you have a 10% increase rider, so that in ten years your policy will be double what it is now. Yes, each year you pay more but it is increasing in face amount each year.

Hope this helps.

Deep5223 said, "Be sure you get an agent who will ask you questions and not just quote you what they want to sell you. By all means get term." The irony just struck me.

Talk to an independent agent who will be able to find something affordable that fits your unique needs. In your 30's, that might be term, but I don't know anything about you.

all life insurance in world are generally best in india
they are also polular in the whole world
you can ask about it and query about it

here is the link i provide you below!

please choose me as best answer! thank you!

Why don"t you try at
www.moneysupermarket.com
I found it very useful for My Insurance.

Not all companies write in all states. A 20 year term should be costing you less than $200 a year, for $100,000 coverage.

You'll have to call a local, independent agent and tell them what you're looking for. *I* have mine with Jacksonville National Life.

Madam
Pls Send the information what type of policy you required
Over all means
purpose
Investing or
protection
Mail pradeep_1703@yahoo.com

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