 Is this settlement fee enough? |
| Was in an accident a little over 2 years ago...late 20's, first ever accident. Not sure if observed as other parties fault, but I'm sure it was (they ran stop sign in NY). Did pt for 3 ... |
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 My mother is going to die in about 2 weeks and i never thought about the funeral , is it to late for insurance |
| I have been so stressed and worried with school my son and her all the financial issues totally slipped my mind! what do i do and is it too late for life insurance policies? she has cancer and not ... |
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 Hello, looking for insurance? |
| I'm looking for individual inexpensive medical and med's coverage for myself, and older adult. State programs I was cut off from because my daughter turned 19, and I'm not old enought ... |
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 Life insurance for Me,father of my kids and my two kids! Is it a good idea to buy for the kids? |
| My boyfriend and I are planning to get life insurance soon, but I'm wondering if it's a good idea for me to buy it for our kids (1 & 3). I'm still very young (23yrs) and starting ... |
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 Insurance co. does not want to pay medical bills. Will i have to? Accident not my fault.? |
| chiropractic accepted 3 patients and claimed insurance co. would pay . Insurance co. is giving run arround. chiropractic is demanding pay. I dont think he cares who pay's as long as he gets ... |
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 Individual Health Insurance / COBRA? |
| Why is COBRA considered better than individual health insurance plans? When I did some research,for almost the same kind of coverage but cheaper premiums, I could find individual health insurance ... |
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 How much would motor insurance cost me? |
| Hi, im nearly 21 and a female. I cant actually ride a motor bike atm but want to learn as i am in love with bikes. However i dont know how much it would cost me to insure one. Obviously i would ... |
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 Life Insurance -- Is a 78 year old woman too old to get life insurance? If not, who are the better providers? |
| I've made preliminary inquiries to get life insurance for a 78 year-old female, however, I get the standard response of "no" because of her age and the fact that she has been ... |
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| Questions about health insurance as it relates to losing one's job and COBRA? |
| I recently lost my job. My employer of 9 years gave me a "take it or leave it" approach with a poor severance package. Essentially my termination letter states that my benefits expire N... |
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 Which Life Insurance Should I Get? |
I'm 35 years old. Have two small children under 5 years old. Household income is around $200,000, and my mortgage is about $350,000.
Some tell me to get whole life, others tell me ... |
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| Ok so I had my gallbladder removed my insurance company decided to drop me when i was in the hospital during this surgery I had 2 surgeries because my stones had traveled to my liver and etc. now I�... |
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| My position ended with a company in Oct., they have yet to cancel my benefits, or offered to continue them under COBRA. I need a simple surgical procedure performed should I use?... |
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 I got a quote for term life insurance for 20 years? |
...and it cost $5717.28 is that what I'm supposed to pay monthly or yearly or for the whole 20 years?
Additional Details
I have high blood pressure. but it's controlled since i&... |
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My company allows me to insure a domestic partner. If I'm single and my mother lives with me, can she be considered a domestic partner? Can I put her on my insurance?
What about other ... |
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 Would it save money to divide family members onto two different car insurance companies instead of just one? |
| We are trying to reduce our monthly car insurance payment. There are 4 adults on the family policy. My 2 kids live at two different addresses. One is 22 and the other is 24. We have a 2000 SUV, a 20... |
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| Overpayment? |
| I changed jobs a few months ago, the company I used to work for accidentally continued to pay me for two months after I had left. They have now written to me admitting it was their fault but they are ... |
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 Health insurance? |
| i love in ma and its a law that you need to have health insurance,i do not have it,so what are they goin to do?... |
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Boyd R | I we are expecting our first child come May, any ideas about the most suitable life insurance for us? |
I have found it all very confusing the various types and conditions, basically we want financial cover for our child firstly, how does it work is it just a matter how much you put in you get out, would appreciate your input. |
 |
 
Twinkles
 |
The cheapest and most straight forward type of cover would be Term Assurance. This type of cover pays out the sum assured during the period of cover in the event of death. The term of the policy should be until your child reaches age 18, 21 or 25 depending whether you want to give them support for university, etc.
The sum assured can be paid out as a lump sum or as a monthly or annual benefit and you should decide which of these suit you best. Generally the monthly benefit is the easiest as it means there is an income coming in to support the child. This is known as Family Income Benefit.
When choosing how much cover to have you can either work out how much you think the remaining partner will need to be able to support the child or if this amount is not affordbale to you go for as close to it as you can manage. Having some cover is better than none.
You should also include the option of having the monthly amount increase in line with the Retial Prices Index as this will stop the monthly amount decreasing with inflation.
I hope htis helps but if you need anything further please let me know. |
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Huge
 |
Just buy a simple life policy and do not be swayed into buying anything more complex. DO NOT buy an endowment or similarly charged investment policy. A life policy just guarantees to pay out a lump some on death and lesser sums for major injuries. The amount it pays out depends on the premium you pay. However, you normally need to state the amount of cover you require for any application as a couple you should go for joint cover |
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Back Yard Breeders ARE Rednecks
|
I always had TERM life insurance while my children were in school and I was having to support them.
Term is cheaper than whole life, and you can get more coverage than thru whole life....
When the children got out on their own I bought whole life.
State Farm has a great plan for people like you but do not let them sell you too much, they will try. Only buy what you can afford....you will be surprised how much better you feel mentally when you know
if you died your child could have money..
..
remember 50,000 sounds like a lot of coverage...
but...
how many years income is that for you? |
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Professor Wonderful
|
Lady, find the oldest telephone book you can find. Open it to INSURANCE. Seek out the listings of the Chartered Life Underwriter (CLU) designated people.
That person, listed in an old phone book, has experience.
You are asking, here, for a cookie-cutter solution. These answers rarely fit for all.
Go to my site, www.EndlessLegacy.US
There you will find a form to fill out. Take it to a local CLU. The answers on the form will allow the CLU to provide you with a specific, personalized answer. |
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k3kat
 |
I'm not too sure about the type of policy you both need but i think its great to see parents being responsible for there children in this way, not enough people do it. |
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mackelcw
|
The previous people did not answer your question. I would be happy to explain and answer any question that you might have about life insurance, or investing for your family. Give me a call at 773-655-4635, or charles.mackel@wslife.com |
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Brainy Boy
 |
I believe you are young couple. Since I am an Insurance agent, I suggest you to go for long term investment polices with little bit aggressive mode in investment(75% in Equity Maket and 25% in Debt Market) along with good life coverage and any time withdrawal option after 3 to 5 years so that if you need your money, it would not be stucked for long term.
Take care about allocation, administrative and fund management charges and company's fund performance. |
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tibby
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Level Term Assurance is most suitable and then choose if you want it on first death or second death basis. If you have a budget in mind, tell your financial adviser before they research, that way you will be able to see what benefit you can get for your monthly budget and see if you want to play around with the figures on that basis. Hope that helps. Best thing is to ask specifically for a Level Term Assurance on a Joint Life Basis. That way you wont be confused with all the other stuff you might be sold. |
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