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?Quesion&AnswerMan! | I'm 21 years old and thinking about buying life insurance? |
should i buy life insurance or shouldn't and why |
 |
 
Doing the Right Thing
 |
I bought life insurance when I was 23. The main reason I bought it was to lock into the low rate. As you get older, the cost to cover you gets more expensive. Second reason was that if I were to die, my parents would have money to use toward retirement. Of course, my reasons will change when I get married some day. For now, my parents are my beneficiary.
Anyway, you don't buy life insurance. You have to qualify for it. You will be subjected to medical testing such as urine test and blood test and HIVs.
If you want to know the two main types of life insurance, read this: http://obe231.blogspot.com |
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mandymay
 |
Even if you don't have any dependents that would need to be taken care of if you died you should still go ahead and purchase life insurance. The younger you are when you buy the policy the cheaper it will be. If you wait until you need it who knows how old you'll be or what kind of health conditions you may have developed by then, and those are the two biggest things that life insurance premiums are based on--helath and age. |
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Emperor Norton II
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You don't give enough information to get an accurate answer.
However, in general, if you are married, with children or an expectant wife, then you should have life insurance.
If you are single, or married with a working spouse, and using birth control, then you don't really need life insurance.(at this time)
People who can't do simple math seem to think it costs less to buy more of what you don't need at a lower price, rather than to buy the proper amount of life insurance at the time you might actually need it.
Personally I don't care what you do, but I hate to see people throw away good money, on the basis of "it isn't much". Life insurance, for non-parents is a waste of resources.
Good luck. |
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Ron@InsureMe
 |
There is a rather common sentiment amongst younger individuals that they are too young to opt for life insurance or that you may simply not need it. But it might be a good idea to just take a small one for a start. For one reason, the premium is lesser, if you are young. This can give individuals the opportunity to purchase a product at a much lower rate than is available for older individuals. It also gives individuals the opportunity to familiarize themselves with the terms used in the insurance world. That will help individuals to be better prepared when dealing with an agents or with the documents when extending or entering into a larger policy at a later stage in life.
As a new buyer, it is important to check on the company and its record of paying off policies. After you decide on the type of policy you want, make sure you can afford the periodic payments. A review of your current financial situation and possible future income might be a good idea.
To get instant quotes go to: http://www.insureme.com/landing.aspx?Refby=614505&Type=life After you get the quotes back go to Ambest.com and you can check out their financial ratings to make sure that they will be around when you need them.
Take care,
Ron @ InsureMe |
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Morpheous
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Hi,
I am 25 and I had a life insurance policy for 2 years. It's not expensive, but still a waste of money. Get it when you are married and ready to have children. |
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Nuthouse 4456
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It is a good investment. It helps your family if something happens to you and when you marry it will protect you and your spouse and kids.Life Insurance provides financial support for burial, senior, mortgage, rent, auto loans, unpaid credit cards, hospital and doctor bills, funeral expenses and cemetery costs, plus other financial expenses. You can buy a inexpensive policy to start and add later on. My son is 18 and bought one. He pays $1.60 a month thru his bank. |
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OU812
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You should buy enough life insurance to pay off your debts and to get buried the way you would like to be buried.
If you have a wife and or children you need enough insurance for the above and enough to provide for your family in your absence.
Don't waste your money on anything other than term life insurance. And shop around for price and positive customer service. |
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aout
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I'm 24 and still haven't purchased life insurance. The only thing I have is an extra insurance for my car so that if anything does happen to me, my parents won't have to finish paying off my car. I'm only going to purchase insurance when I have more assets and debts. |
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mukesh_mehta56
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go to lic office and meet to lic devlopment officer so many plan in lic policy |
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ron_0365
|
hi
see except market link product insurance is not a investment, its a security against future uncertainty( to cover up the monetary loss), its always better to buy insurance like tr em plan only
if Ur looking for investment part also then plz opt for other mutual fund and ETF and others investment option |
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mkulda
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The ONLY and I mean ONLY reason why you should have insurance now is if you have somebody who depends on your income for their survival.....a spouse, parents or any children you may have.
Yes, its true that life insurance right now is very cheap for you.
But its also true that your chance of dying right now is very, very slim.
Wait until you have a spouse and children who will depend on your income....then buy as much term insurance as you need.
Don't buy whole life insurance unless you are doing it to try to leave some sort of legacy for them......whole life is much more expensive and you can do better investing the savings yourself.
The only people who recommend something other than term are like the agents in the posting above. They profit enormously off the policies they sell you.
There are only very limited circumstances where you would ever need something other than a term policy....and a true objective consumer advocate would tell you that.
For almost everyone, a good high dollar value term policy protects your loved ones and gives you the additional money (in money you didn't give to the insurer through fees and charges and to agents in commissions) to use for other good uses like college education funds, etc. But you must be diligent...don't spend your extra money....save it yourself. |
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Kat
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I would buy a $25,000 whole life policy. Go with a company that pays dividends. I know Auto-Owners doesn't but Farm Bureau does. They can either be sent to you in check form or used to buy paid up additions. Also purchase the guaranteed purchase option so if you need more later, you will have the option to purchase it without having to go through underwriting.
You need this type of policy to pay for final expenses, funeral, etc. These expenses don't go away with time so a whole life policy would be better than going with term.
At your age it should be super cheap. As you get older, the cost for the same policy will cost more. Also, you may not be eligible for a policy in the future due to health issues. Buy it now while you are young and healthy!
As you get older, get married, and have children you may need more life insurance. Buy term at that time because those needs go away with time. And term is so much cheaper than whole life. |
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blb
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It is a good idea to take it out at a young age. I made my husband take it out when he was 23 and his premium is dirt cheap for a whole life policy.
If an agent ever tells you the only thing to take out is strictly term they are not working with you. An agent needs to listen to what your needs are, the reason you are taking out life insurance and how long you plan to keep the policy. A good agent will not make any suggestions without knowing all the facts. If the agent seems to be pushing you in one direction without all the facts make sure to leave.
There are so many different types of policies out there that you need to speak with someone who specializes in life insurance. |
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agnes E
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If you're interested in learning more about life insurance policies and procedures, I could recommend a good source for your queries. Here's a site http://www.upkb.com/lifeinsurance.php where you'll get to know more about insurance tips and contract details. It helped me a lot with my decision. |
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mbrcatz
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On the one hand, term life would be super cheap right now. On the other, you don't really have a need for it at 21, ya know?
If you do decide to buy, do NOT buy whole or universal life. It's a major ripoff. Most agents will try to sell you that, rather than term, because they make a TON of money off of it. But term is pure insurance, so that's all I'll ever sell.
Anything else is for people who are really, really bad at math. |
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tallmochagirl
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It's a great idea. The older you get the more expensive it gets. I bought a large policy at 26 and the rates can never go up. Get a whole life policy so it has other advantages as well. Whole Life doubles as a retirement investment, you can borrow against it, and usually you can miss a payment if you have a financial emergency. The policy dividends can make the payment for you. |
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kca
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you dont buy life insurance for your self, but for loved one
who depend on you (your income) if some thing happens to
you they will have financial support.
If there is no one financially dependent of your income there
is no need to buy a life insurance. |
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roy40372
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INSURANCE IS NEVER A BAD INVESTMENT. BETTER TO GET IT NOW THAN WAIT UNTIL IT GETS SO EXPENSIVE YOU CAN'T AFFORD IT |
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