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treasure575 | I have group life insurance. Do I need individual life insurance? |
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sweet sue
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Your group life insurance only covers you as long as you work for the company and the benefits are ususaly 1 years pay without bonus's and overtime. You may be able to increase it for a small amount of money but then you still run into this problem. Very few people are actually suddenly killed while they are employed. This does not mean killed at work but while you are under the group insurance. Heaven forbid you are in a serious car accident and die 2 months later your group life would have been canceled most likely. You need to have some on your on that doesn't end when your working ends. |
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mbrcatz
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Do you want life insurance if you get disabled, hurt on the job, are fired, or quit??
The big problem with group life is that 1. the limits tend to be low and 2. it usually terminates when your job terminates. |
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Dee
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Circumstances will determine the answer to this question. Most group life insurance, if my understanding is correct, is through a place of employment - and is equal to one years salary. Some places offer more or less.
If you are married - or you have dependents - you need more life insurance. You can go here to figure out how much insurance you would need:
http://www.smartmoney.com/insurance/life/index.cfm?story=intro&hpadref=1
or here (I like fool.com)
http://www.fool.com/insurancecenter/life/life02.htm
In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance.
If you do need it - go for term life - not whole life. The goal (for most) is that when you are young, you will be working, and need to be prepared if you die - thus the need for life insurance. The older you get - the less you need the insurance as you become less in debt, and more wealthy due to all your hard work - thus you don't need as much insurance.
Good luck! |
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Melissa
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If your employer pays for the coverage, then you probably have a minimal amount of coverage. If you pay for additional coverage, then it's probably 5 year term insurance meaining that the premium will increase every 5 years and will become very expensive in later years. The idea behind this is that it's cheaper when you are young and need more insurance and gets expensive as you get older and need less (kids are grown, house gets paid for, etc). It's designed to cover only your working income during your working years.
Employer life insurance usually doesn't require good health (unless you buy alot of additional coverage), so it's a great option if you have an existing health condition.
If you purchase individual life insurance, the premium is usually more but fixed for life (unless you buy individual term coverage) and can accrue cash value. It's a good investment if you can afford the difference and can provide coverage for your entire life span, not just your working years. It is also not tied to your job and will always be with you if premium is paid on time. |
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Common Sense
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There is no absolute answer for everyone, but, in general;
yes..... Group insurance ends once you leave the organization. Usually the insurance is a minimal amount.
Go to a top rated company. Best best is to buy a term "life certain" policy. DON'T DO ANYTHING UNTIL YOU'VE SHOPED & INVESIGATED MANY OPTIONS. TRY NOT TO USE AN "AGENT".... it adds a lot of cost to the policy. |
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mackelcw
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If you live in illinois, I can help you (mackelcw@yahoo.com). If not, go to wslife.com, and click on find an agent near you. |
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rosa b
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yes, very much for your life protection to your family. |
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nithya s
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hi check this link its good
http://insuranceadviceforyou.blogspot.com/
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