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bg | I want to decide between AllState, Nationwide and StateFarm for 30-year Life Term Insurance. Please help.? |
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michael76049
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this is a little off subject to the original poster. i wanted to address some issues (that are related) but specific to sad soul.
first off sad, sorry about the loss of your spouse. unfortunately, i see from your situation you misunderstand the cash value that was in your life policy. the cash value that accrues inside the policy offsets the increasing term costs. in other words, when you had 50K cash in your 100K policy you were only paying for 50K of insurance coverage but you still received 100K when your spounse died.
in the long run, cash value insurance polices are true "Life Insurance" while straight term is "death insurance". if a person knows they will die early (prior to 60) it is probably best to go for the term. if they will die later, then whole life is wonderful. you should also look at years you plan on paying. for example, if you pay for 15 years with whole life, you can have a paid up policy and never pay again. however, on term you would have to pay for the full term (20 or 30 years) and then the policy is terminated and you have no insurance.
finally, why would you want to take a loan from your policy??? how about this. in your case, your spouse is quite ill but you want to spend some very special time with him. take 30K in loan (which is tax FREE) and then when he passes, you still get the full remainder as an insurance payout. some loans run 0%!!!
finally, primerica DID NOT come up with the buy term and invest the rest concept. however, this sounds like them. why? becuase they offer nothing BUT term! if you were going to a furniture shopping, would you only go to a place that sold one kind of chair? no loveseats, no couches, lamps, dining room or bedroom furniture, etc? of course not - even if all you wanted was a chair! this is primerica - coupled with the fact that their term while rated kinda good is about the most expensive term you can find!!!
hope this puts into perspective your situation a little more. |
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529s.com
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Allstate's new term insurance has very good rates for non-smokers and very bad rates for smokers. Nationwide is pretty high in general. Not sure about Statefarm. |
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mbrcatz
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If all the terms and conditions are the same, I'd buy this strictly based on price. The PROBLEM with your options, is you're going to have to do the coverage term comparison yourself, as all of these policies are ONLY available through direct writers.
Is there a reason you won't buy from any other insurance company? If it were me, I'd ALSO get 4-5 quotes from a local, independent agent, who would compare coverage terms and conditions in addition to pricing. |
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The Rabbi
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I've never heard of a death claim not being paid because the company is insolvent, regardless of their rating. Term insurance is rarely ever used, that is why it is so affordable. It is too easy to shop life insurance since they all do the same thing. There is only one claim to be paid on the policy. You may want to consider a rider called 'return of premium'. If you don't die, you get back all the money you paid. |
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alcoh71
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You should make sure the amount of the life insurance policies you are comparing is the same and then pick the one with the lowest premium or annual price of insurance. If you plan to pay in installments, find out how much each charges for this service. Maybe one is cheaper than the other. You might also look at their rating by AM Best or another of the insurance rating companies and pick the one with the top rating though these three have been in business a long time and shouldn't go out of business anytime soon. Make sure the premium will not rise for the 30-years you have the policy. |
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tewodros2
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If to buy term, theyare good companies. For term insure, price is decision. Policy is same each company. Just get best price for period decided.
But underwrite may be different, so if one company not issue lowest price for health, then other may be best. But price will be close each one, so just go for price if it is term and for same years. |
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Nate W
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I'd shop on price and the financial stability of the company. Check the company ratings from Standard & Poor's, Moody's, and A. M. Best. These agencies act as watchdogs in evaluating an insurance company's financial strength and their ability to pay claims. |
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Reenie
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Personally, I cannot stand AllState because they do a lot of telemarketing calls and this drives me crazy. This site might have some helpful comparison information for you. http://insurance.divinfo.com/ |
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Sunidaze
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I went with State Farm myself - the whole multiple line discount deal - I've had car insurance with them for half my life so why not. I sat down with my agent, discussed my needs, risks, etc. and they formulated a plan specifically for me. I currently have a bit higher rates than some people as I was diagnosed with melanoma a few years ago but that will go down once I've been five years without. |
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mike1942f
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You should at least consider New York Life and other competitors of its ilk with a long term reputation. Check that you are buying from a company that sells the same policy in New York, which has the strongest reputation and not something set up and operating under state regularion. After all, paying for 20 years and dying an having no payout because the company is gone is poor news. You are good in selecting Term, but remember that 30 year level term means you are paying MORE at the beginning than a person your age would pay for 1, 5, or 10 year level and less at the end as those others would go up on each renewal. Thus, once you are in, it costs to drop it. |
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aghost2u
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All the above answers are good. The only other factor I use is the companies reputation. One of those companies has come close to losing its license to sell insurance in several states over how they handle claims. |
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Financial JUSTICE
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Neither. They are all overrated. Buy it from a company that started the "buy term and invest the difference" crusade, which is Primerica. They have more knowledge of term insurance than any other company and never sold a cash value life insurance ever! |
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bernard
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Check with Primerica. They have the best insurance in the market. |
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