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| im 17 years old and will be 18 in 4 months. i have a job and i am a 3.4 GPA student. i was in a car accident about 6 months ago and my mom persued a law suit on my behalf ( againt my wishes) she sued ... |
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 Total and permanent disability insurance? |
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I worked out I only see a dentist twice a year which is about 120 bucks, and optomitrist once a year which is about 80 bucks.
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 Can you have your hair insured against damage? |
What would such an insurance policy cover?
Additional Details
This is only a hypothetical ... |
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 life insurance question? |
| My dad is 68 years old and have been diagnosed with colon cancer. He notified me in May 2009 but I am unsure when he actually found out he had cancer. He has a pre need funeral policy for $5,000 ... |
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| I was wondering how long does it take to recieve the settlement money? |
| My father was walking i guess it was dark out and a car came speeding and it hit him. This happened on January 30, 2010 he was out for 2 hrs on the ground while it was snowing. He went to the ... |
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| any specific formula for life coverage ? |
| "how much life insurance coverage i need to buy" is a common question and I have found alot of discussion on this topic surfing the internet, But I am still looking for a pet formula ... |
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sssheryyy | Is $13.50/month a lot for a 5-yr term life insurance of $50,000? |
Is $13.50/month a lot for a 5-yr term life insurance of $50,000 for a healthy 22-yr old? This is for State Farm.... |
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Michael M
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If you are having to fill out a long application or go through medical underwriting, then you could probably get way more coverage for your $13 per month. Probably $250,000. State Farm is not known for their competitive life insurance rates. Find yourself an independent life insurance agent that can quote multiple companies or an online quote site like zanderins.com or insure.com.
If you are filling out a short application and there are no medical exams then this seems reasonable but probably not the lowest you could find. |
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Wendy S
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Not, it's not. But get a rate for $100,000. I'll bet it's very little (maybe $3?) more a month because the cost per $1,000 goes down at $100,000.
The Select policies are even cheaper. Get quoted for those, too. |
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car253
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That is really cheap. But I don't suggest this policy. Take a 10 or 20 year Select policy. It may be a couple dollars more but your rates will not increase for 10 or 20 years.
A 5 year renewable term policy will have the rates increase in 5 years. That's not good. I don't think State Farm even sells that policy anymore. Or, it may depend on your state.
Licensed Agent that sells for State Farm but not the State Farm Agent |
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Insurance Pickle.com
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First of all why would a 22 year old be buying a 5 year term policy? They won't need insurance after they're 27 why? So unless this is for a 5 year loan this policy would make no sense.
To answer your question it ridiculously expensive. For $12/month you could get a 30 year term policy at $100,000 (assuming great health). This policy would have the same premium until you were 52 years old...not just 27. Oh, and it's obviously twice the amount. I did see two company that sold a plan that size at $8/month.
I say it time and time again...State Farm is a car and homeowners insurance company. They are not competitive with life insurance. They sell it because people that already have their car and homeowners with them 'assume' that's a good place buy. They also buy because it's covenient, so the insurance company doesn't need to be competitive. This would include all of the genre of insurance company...Allstate, Erie, etc...
http://insurancepickle.com/life-insurance |
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Richie Rich
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Yes it is. For $2/mo more, you could get a policy 3 times the size for 4 times as long (20yr/$150k) at our best rates (assuming you would qualify).
If all you get was standard rates, it would be $150k for 10 years and only be 8 more per month.
Those are just examples.
In any case, you should talk with a local financial coach to decide what is the right amount and term for your needs. |
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