 I broken my nose at my friend house and he has house insurance hoe much should i get? |
| i broken my nose at my friend house it cause me to get two blackened eyes,a scare on my forehead and my nose, and it also caused me to crack two of my teeth and he has house insurance worth $300,00 ... |
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 Is it true about how you can avoid paying car insurance? |
| I was once told by one of my professors that the law allows you to not pay car insurance as long as you have a certain amount of money on reserve for paying the cost of the accident (if the judge ... |
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 My insurance got cancelled without them telling me. now i got stopped by police. what will happen to me? |
| I got stopped by police, and they told me i had no insurance, i was shocked, because i genually thowt i had insurance, but they said my insurance company cancelled my policy. now i didnt get no ... |
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 How to say no to an insurance agent? |
| So I spent a few hours with this life insurance agent last weekend discussing various options and she gave me lots of term and whole quotes and paperwork to take home. Did the same with an equally ... |
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 Looking for car insurance company? |
| i'm not us citizen, right now i'm still using my international license drive and my green card still on process. from the country i come, there's no 'driving history'. i need ... |
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 How can i get help on medical bills? have no insuracne.? |
| there telling me its going to collections even thou i send something every month, going thru divorce and have nothing got 6000$ in medical bills...there gonna ruin my credit. now they want 20% down. ... |
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 Can a condo association force its owners to remove barbeque pits from their balconies? |
| I own a condo in Louisiana. I was recently informed by the office manager that all the owners may be forced to remove their barbeque pits from their balconies due to insurance requirements. There ... |
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 No insurance on car. Can I drive it on my insurance policy? |
| I have just bought a new car and have a fully comprehensive insurance policy. I still have my old car and intend to sell in very soon. I have cancelled the insurance policy for this car as of today.<... |
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 Does a 1 year old child needs life insurance? |
| I f he needs life insurance, which is a better pick, a term life insurance or a participating whole life insurance since premiums are very cheap and he can have her plans paid up in a short period of ... |
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 Can you go after owner of car if driver is uninsured? |
| My wife was in a car accident, the driver was an uninsured motorist. He was an adult, and he was driving his father's car. So can you pursue the father through his insurance? It was his car, ... |
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 What is your current job responsibility? |
| working in insurance company, handling team of agents.... |
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 Need money?!!? |
| I found this amazingly good deal..a once and a life time opportunity for a car i have always wanted...will you pray for me that i get this money so i can buy this car (i am only 15) a i will be ... |
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| Is $7.50 enough to be an insurance customer sales rep? I don't think so, should I ask for a raise? |
I am single working mother who is trying to move out of my parents house with 2 kids. I love my job, and do not want to find another one. What should I do, and how should I go about it?
A... |
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 Insurance claim for tv??????help? |
| hubby had accident and dropped tv last week! rang insurance company and they sent engineer out today! he says it's non repairable so the insurance company will replace it! how does it work as we ... |
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 How do i fight with an insurance company and win? |
| I had surgery in June and my insurance has no deductible. The insurance company paid the doctor and the pathologist, but they wont pay the hospital. the insurance company says they havent gotten a ... |
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 Do you have life insurance or, is it wise to even have life insurance? |
| I don't have any life insurance. When I die, I want it to be a real ... |
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aristocrat1.0@sbcglo... | I'm 21. Should I get life insurance? |
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Cool G
|
yes, to protect yourself now against health problems in the future. buy a cheap, convertable (ask your agent what that means) policy - term 15 or 20 year. that way if in 10 years you get health problems, or get married you already have a policy with guaranteed rates, and you are guaranteed to be able to get perm coverage (if you select the conversion option) |
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insuranceguytx
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If you currently have all the money you will ever need, then no, you don't need life insurance.
If you have not yet achieved financial independence, and especially if you have children, a spouse, debts that you want to repay or other goals that you want to achieve with your life then look into insurance - life, disability etc.
The key word is "goals." What do you want to achieve in your life? What will get you there, financially and otherwise? Do you have a game plan to achieve those goals?
You can achieve a lot. It is very difficult to achieve all of it on your own. Learn to use coaches and other that can give you sage advice that works for you. You won't find those people here. |
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LilMiss
 |
Yes. |
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Debbie_in_Gold
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I am a life and Health agent in NC and I have a great policy that will not only cover your health but also help you save for your retirement and get most of your premium returned to you. Contact me and I will be glad to help you. It also has a life policy.debbieingold@yahoo.com |
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SafetyDancer
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Probably not. The question you need to ask is "What is the adverse financial impact of my death?" If the answer is "very little" or "not much", then you probably don't need life insurance.
Life insurance is really a hedge against dying prematurely and leaving people behind that rely on you for financial support. If you are single and can leave behind enough for final expenses (burial = $4000 - $6000, cremation much less) and you don't have any outstanding debt that someone would have to pick up, skip the life insurance for now.
Put what you would spend on life insurance into a savings or investment vehicle for personal emergencies. Keep your debt low, and pay off your credit cards monthly. At your age, debt reduction and avoidance is probably much more important than qualifying for a life policy. |
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Expert Realtor
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Do you own property? Are you currently employed full time?
If the answer is no, then there isn't a need, if you don't have any children. |
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Mark S
 |
Possibly not. Do you have a crap load of debt? Are you married? Do you have kids, married or not? If you answer yes to these questions, you should check into insurance. If you answer no, then wait to get until you can answer these questions. |
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Uncle Leo
 |
No, not unless you have dependents (like children). Life insurance doesn't provide you with anything tangible. It does some good for those who survive you, if they are the beneficiaries of your policy. Unless there's someone you want to take care of in case something happens to you, keep the money you'd otherwise pay out in premiums and use it for something else. Save it and invest it for: a downpayment on a house, retirement, overseas travel, the car you really want, etc. |
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butch
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actually inusrance is alot chleaper at 21 than at 41 - there are policies that grow in cash value - which as loan value |
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Michael R
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I agree with many of the answers. In general, if you have little debt and no one that needs financial support, you probably don't need much life insurance, enough to put you in the ground so someone else is not stuck with the bill. However, looking at your family history does not hurt. Buying life insurance now is CHEAP and it can protect your future insurability. Many term policies have conversion privileges that allow you to switch to a permanent policy while keeping the same rating you received when you applied for the term. This is nice if you have an event that makes you uninsurable. If you are looking at a permanent policy (whole life or UL), then now is the time. At 21, a $50,000 UL should only cost you around $35 / month, not a whole lot more than a term policy. But with permanent insurance, you get to keep that price for the rest of your life. There is a lot to consider. I would recommend finding an insurance agent to help explain the differences in policies. Make sure they sell both term and permanent policies. If they only sell one kind, they will likely lead you to what they sell, not what you need. If they sell both, they will lead you to what you need. |
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mbrcatz
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Why, just to say you have it?
Insurance - even life insurance - is a TOOL. BEFORE you buy a tool, DEFINE THE JOB. Buy the tool that fits the job.
Just buying something for the sake of buying it, is NOT a good financial decision - for ANYTHING. |
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â–ˆTNTâ–ˆ
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YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES, YES. |
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I_Rockzzz!!!
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Not a bad idea. You'll never knows what's going to happen in the future. |
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bionicgameplayer
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sure why not |
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Ice Cube
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Never hurts! |
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